There are several Spiders that are called "banana spiders." The one with highly toxic venom is the Brazilian Wandering Spider. There are also a couple of species of large web-weaving spiders that may be called banana spiders. All of these spiders have venoms that affect the nervous system in some way, so their painful effects would probably be experienced immediately. Brazilian Wandering Spiders have venom that is especially painful in addition to being potentially deadly when a human receives a sufficient envenomation. It definitely causes immediate pain.
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