I'm building a house, and throughout the process have kept petty cash of €10k for when we receive a bill. Most people will accept a bank transfer, but you need

I'm building a house, and throughout the process have kept petty cash of €10k for when we receive a bill. Most people will accept a bank transfer, but you need to pay extra - suspiciously the extra amount is always equal to the amount of income tax they'd need to pay ;-) The government have tried to crack down on this by increasing ATM fees and imposing daily limits, but I don't think it will really change anything.