SEPA 3 days? When I send a SEPA on a working day by 14:45, it appears in the other bank the next working day in the afternoon. So "3 days" is only if I make a transfer on Friday, then it appears on Monday. Otherwise just 1 day.
It depends on the banks involved. The three days are maximum. Often I can see transfers completed within hours, but I cannot count on that.
Luckily this will change the next years, but until the banks move Bitcoin has a even graeter chance to spread.