I haven't had any issues at all so far. Any transaction under 10K EUR doesn't even get flagged, at least not if you have a normal income etc.
Yes agree, unless you're without job or any way you're without any income, I don't see any reason to be tracked under that amount of money. Of course if huge amount of money arrive to you account, it's normal that someone from the bank ( usually it's an automatic process) will report you to tax authorities.