It depends on how much you are paying. If its a high amount, then PayPal fraud models don't allow you to make instant transfer. Instead you have to choose CC or eCheck etc. Choosing Credit Card would also send money instantly. Each account would have its own limit for Instant transfer. One of my accounts has a limit of 1000 USD and anything over that and my Instant transfer (Bank) will be greyed out and on my other account I have about 3500 USD. Depends on how much you use the account I guess. Hope this helps
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