The grandparent comment is using ACH but he means the EU equivalent (whatever it's called, I'm not sure). Paying for things in EU with a direct bank transfer is

The grandparent comment is using ACH but he means the EU equivalent (whatever it's called, I'm not sure). Paying for things in EU with a direct bank transfer is very common. Almost every online shop takes it, every bill you might need to pay, even when just sending money to a friend - direct bank transfer is common. For me with my German bank account, sending money this way always requires a one time use code. The code is not digital, the bank sends you a list of 100+ codes printed on a piece of paper. So, I'm not really worried at all because there is no possible way for a scammer to get my codes.