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I can't edit my post, so I will add: I just noticed that Transferwise doesn't offer debit cards and doesn't give you an IBAN, and if I open a bank account here, there is still a high incoming transfer fee. They say that they should soon issue cards in EU, so I will be waiting for that for now...

It's a Lithuanian bank, and I have a lot of very bad experience with Lithuanian services as well as its government, and I don't want anything to do with that country. I lived there for awhile at one point, and I just don't get the system or mentality there, but everybody else seems to be fine...

Sorry for taking so long - I had a lot of things going on. :) I looked into EuroPacific bank, and their fee for a single transfer is a fifth of what I spend on food monthly, haha. I also looked into Cyprus banks, but I think I'll need a recommendation for that, if you could? They seem to be...

I will do that another day. I have to try to fall asleep to wake up in the night, and tomorrow I have a rather long appointment. I have went through threads today, but a lot of the information seems to have changed recently though, so I'm not sure how trustworthy it should be? I could perhaps...

I've read that it's not safe to keep money long-term in an EMI, so I was wondering if all of the banks that I could create an account online are EMIs, and my only real option is a bank anyway, transferring money to EMI only when I need to pay for something? What are the risks associated with...

I asked them some questions awhile back, and they seemed to have some trouble. But that was awhile back, and I generally don't have a very good feeling about them. No specific reasons. I'd be curious to find out more about them from those who have experience though.

Since this came from the thread I posted in part, I was wondering if I you could at least point me towards the right direction with the solution, if not giving it away? I am still having trouble with what I posted, and I have looked for workarounds for months. I also cannot afford 95eu, because...

Thanks for the suggestion! I can actually open HSBC bank account in my country at a branch. Wonder if that would be the same? I know the monthly fee is definitely lower though, but every single local bank has insane transfer in/out fees, which is kind of a dealbreaker for me, because firstly I...

Well, some verification methods I am okay with, notably my bank statement. I would even just open a local bank account in the country I live in now, get a statement, verify something online, close my account here and transfer money from my country's account for low fees and no extra monthly fee...

I'm European, however I can't use sofort, ideal and I do not live in Germany (for N26). I'm looking for a simple bank that I would use for simple money transfers between my government-owned bank and this bank, the card for grocery shopping and online purchases from various legit sites with legit...