For transfers under 500$ (roughly) the fees from a proper bank transfer will be more expensive. SEPA has basically no fee and is usually next day, with SEPA SC

For transfers under 500$ (roughly) the fees from a proper bank transfer will be more expensive. SEPA has basically no fee and is usually next day, with SEPA SCT Inst it'll soon be 15 seconds (and no more than 20 seconds) with the same fees, after which bitcoin can't compete on that anymore.