The most that I have ever payed is 1€. I have been paying 0€ for the last 5 years or so. Is that still a fee? "Oh lultimouomo", you say, "the were transfer mig

The most that I have ever payed is 1€. I have been paying 0€ for the last 5 years or so. Is that still a fee? "Oh lultimouomo", you say, "the were transfer might be nominally free but sure having a bank has other costs involved". No fixed cost, yrgulation, so by the very fact of having a bank account, depositing money in it and taking it back by wire transfer or ATM you are never paying a fee. Also, cash has a cost. You risk being mugged, you risk getting a wrong change by the cashier, the store risks a robbery / break in (and most often pays expensive insurance to protect itself against this)