Why would anyone still use PayPal after so many cases of accounts being banned and funds being frozen for no reason, and all the other terrible stuff they've done?
There's some countries with very bad financial sector where your option is PayPal or Western Union as the local banks don't know how to do international transfers, Remitly doesn't support all countries and Wise also doesn't work. PayPal works, even if they charge fees.
It was a big reality check for me usually living in Germany and having access to a lot of banks and modern neo-banks.
One of the ladies at daycare is leaving? Here's a paypal link to chip in for a good-bye present.
Split a take-out order with a German friend, but he paid? Here's his paypal to send him your share.
It's just assumed that everyone has paypal over here...
One-off SEPA Direct Debit is virtually unheard of, recurring payments are a bit more common but usually involve a €0,01 payment to prove ownership of the account. The transactions are also trivial to undo, and can only be initiated by companies.
So no, "IBAN fraud" isn't a thing in practice. You can safely share your IBAN with your friends for instant free wire transfers.
[0] https://www.europeanpaymentscouncil.eu/what-we-do/sepa-direc...
But for the small person-to-person type thing, paypal is the defacto here (sadly).
The whole "I pay this time you pay next time" is already covered by "everybody brings a case once in a while", but if the guys without cars just ask someone else to pay for it when it's their turn it won't add up.
If you're going to make assumptions, perhaps start with those that don't paint me in a bad light.
If this was a long time friend, I'd let it slide. It's just a case of beer, and in Germany beer is dirt cheap. If this was a new acquaintance, I'd let it slide and take note that it's not a person to make friends with.
> If you're going to make assumptions, perhaps start with those that don't paint me in a bad light.
Good point. But all of this isn't a problem of payment systems, but of people's behaviour.
I know many adults who believe that splitting bills is a normal and reasonable thing to do.
These are etiquette rules, which have their benefits. Since nobody is forced to follow etiquette, they help you to learn things about people.
Generosity is one of the easiest life hacks to find out who is friendly towards you and who is not. If you buy them a drink and they won't buy you a drink back, that's a tiny cost for you to know what kind of fellow you're dealing with. If they buy you a drink and then asks you to transfer money to them, you also learn something about them. If people splitting bills want to sit and count to make sure that everybody pays exactly for what they had, then you learn something. And so on.
If you invite people for dinner a few times, you will learn something about that person whether you wanted to or not.
Depending on which state you are in, your experience can be vastly different.
All the states used to be kinda independent two hundred years ago. Including having different currencies. Unification happened 1871. Bismarck and later Hitler kinda brought the nation together, but after losing two world wars national pride got frowned upon and having the iron curtain cut through the country didn't help in fostering a German identity, either. Reunification was only 36 years ago. Though, about a third to maybe half of the German territory remains lost after losing the wars. Instead we got the EU. The more things change, the more they stay the same.
It's always funny to see foreigners make fun of German supposed clichés that I never had any exposure to whatsoever, like Lederhosen, which is only a thing in Southern Germany.