Hacker News Reader

I doubt Stripe could do that for much cheaper unfortunately, without basically becoming a bank, and keeping money in multiple countries.

You don't have to keep money in multiple countries, just be able to receive SWIFT and/or IBAN transfers.

Many banks in European countries don't charge anything for receiving any wires, including SWIFT, only sending them.

(the $15 fee is just for receiving any wire transfer, and is independent of the standard SWIFT fees)