Hello mat,
Im from germany too and i must disagree, even internal bank transfers (to the same bank different location/town) takes atleast 2 days... im doing several transfers per week. Also if you want an instant sepa transfer for 1000 it cost you around 40-50 ! Im have my account at the volksbank btw
Greetings
Edit: there are no fees though for a normal bank transfer, but i think we are already paying it with the yearly bank account fee that cost around 25-30
I am in Scotland.
My German bank account it is with DKB. And SEPA transfers occur for me same day, and cost nothing. I have no idea if I get charged a fee for my German bank account or not. In the UK, we do not get charged fees, but perhaps on the continent things are a little different. Certainly, the interest I get paid on my German account is actually 'noticeable'.
Which proves why bitcoin can be superior. Laws and fees are different everywhere, sometimes even within the same country. It's very easy to get confused and overwhelmed. With bitcoin we know there is a 1-way fee, and we know it is very small. We don't have to speculate on what or if you're subject to fee's, with bitcoin we just know. How many crazy laws, 'miscellaneous' fees, and hoops do you have to jump through when sending money to someone else? That's not even considering how slow it is, and the fact that banks in the US close very early on Saturday, and are completely closed on Sunday.
Bitcoin is a very good way to transfer value. Obviously converting to fiat might be subject to slippage between BTC / your local currency, but that slippage will continue to decrease with time.