I've been doing online banking with German banks since at least 2002, and never payed a single cent in fees for transfers. Funnily enough when I spent some tim

I've been doing online banking with German banks since at least 2002, and never payed a single cent in fees for transfers. Funnily enough when I spent some time in Scotland in 2007 I opened a local bank account there, and OMG: * they charged a fee for receiving a SEPA transfer from Germany * they didn't give me a debit card or credit card, all I could do was withdraw money at the ATM or pay with paper-based cheques (!) * when I asked them how to transfer money to my university, they looked at me quiet shocked and said "but their account is at a different bank!". The bank teller there didn't even know if they supported cross-bank money transfers, and had to ask a colleague. Turns out they did, but at exorbitant fees (25 GPB, iirc) German banks aren't as modern as I'd want them to be, but transaction fees aren't a practical problem for most of us.