I don't see anything in PSD2 that prevents direct person-to-person transfers between banks. SEPA (https://en.wikipedia.org/wiki/Single_Euro_Payments_Area#Charge

I don't see anything in PSD2 that prevents direct person-to-person transfers between banks. SEPA (https://en.wikipedia.org/wiki/Single_Euro_Payments_Area#Charges https://en.wikipedia.org/wiki/Single_Euro_Payments_Area#Char... ) already requires banks to allow free transfers (with a few rare exceptions).