A “time”-covariant Schrödinger equation is defined for the minisuperspace model of the Reissner–Nordström (RN) black hole, as a “hybrid” between the “intrinsic time” Schrödinger and Wheeler–DeWitt (WDW) equations. To do so, a reduced, regular, and “time(r)”-dependent Hamiltonian density was constructed, without “breaking” the re-parametrization covariance r→f(r˜). As a result, the evolution of states with respect to the parameter r and the probabilistic interpretation of the resulting quantum description is possible, while quantum schemes for different gauge choices are equivalent by construction. The solutions are found for Dirac’s delta and Gaussian initial states. A geometrical interpretation of the wavefunctions is presented via Bohm analysis. Alongside this, a criterion is presented to adjudicate which, between two singular spacetimes, is “more” or “less” singular. Two ways to adjudicate the existence of singularities are compared (vanishing of the probability density at the classical singularity and semi-classical spacetime singularity). Finally, an equivalence of the reduced equations with those of a 3D electromagnetic pp-wave spacetime is revealed.