@ignaloidas @lanodan My bank charges 40 NOK (3-4 EUR) for a EUR-based SEPA payment assuming equally split costs with receiver.

65 NOK for other transfers (Which mine usually are, since I'm not maintaining a dedicated account with EUR in it). And 150 NOK (~13 EUR) if I want to cover fees for the other person as well. Usually some other unexpected cost pops up in the middle as well just to make the day worse. Not to mention the extra 1-2% I often have to pay for on-the-fly currency conversion