It's interesting that this works seamlessly and without issues in Germany. With an account number basically anyone can draw money from the account here. But the

It's interesting that this works seamlessly and without issues in Germany. With an account number basically anyone can draw money from the account here. But the account owner can return the money for 6 weeks without limitation. The bank issuing the initial request is responsible and liable. So they are highly incentivized to ensure it's all legitimate.