What about SEPA [1]? Didn't it simplify things enough? E.g. I can make bank transfers between EUR accounts from France to Poland (which is not in eurozone BTW)

What about SEPA [1]? Didn't it simplify things enough? E.g. I can make bank transfers between EUR accounts from France to Poland (which is not in eurozone BTW) within a few hours (during the week) with a total cost ~€1 which is quite acceptable (of course not for €5 transfers, but the cost is fixed, so it's good enough for bigger transfers). http://en.wikipedia.org/wiki/Single_Euro_Payments_Area http://en.wikipedia.org/wiki/Single_Euro_Payments_Area