Even without SEPA in full swing, your banking situation is still miles ahead of anyone in North America. A nice web interface is one thing, a $25 wire transfer

Even without SEPA in full swing, your banking situation is still miles ahead of anyone in North America. A nice web interface is one thing, a $25 wire transfer or relying on external, often slow payment processors like Paypal or Certapay/e-Transfer quite another.