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Some business accounts charge a 20 to 50 cent flat fee. I think mine does. Retail basically never, yes.

Yes, this is pretty standard for business accounts.

there were some exceptions though, like in Greece, where banks charged for every sepa transaction. not sure if that's still the case.

I have an account in Denmark which charges for outgoing transactions, 3 DKK. (€0.40.)

I think I have the choice to pay a monthly fee, nominate it as my official account for receiving my salary, or pay for the transactions.

I choose the last option as it's a backup account, and I make perhaps 1 transaction per year.