But you have to consider that for end consumers the transfer fees are just ridiculous. Depending on your bank account settings it is not unusual to have a €15 transaction fee + 0.20% of the transfered amount. I have often customers from other EU countries who don't have PayPal and prefer sending money through registered mail just because other options are not economical for smaller amounts of money.
So far I have bank accounts in Austria and Germany and in both countries transfers to any other bank within the EU are completely free (and I don't have to pay any monthly fee for the bank accounts either).
The user interface is also quite OK for those banks. Just enter the transaction information on the Web site and confirm the security code sent to you via short message.
