[DocTomoe]

> Having a Euro bank account number only allows people to transfer to, not from that account.

At least in the case of Germany, this is factually incorrect: We do have Lastschrift, which is eerily similar to "drawing money from an account". Sure, we can get that money back during a six week period IF the receiver still has it, but it is a hassle.

[em500]

Ok, I admit that I don't know the particulars of every Euro area bank system. But if you're referring to SEPA Direct Debit, only commercial clients can do that, after going through tons of hoops and paperwork. (In practice, all SEPA Direct Debits requests I've experienced in the last few years required me to first transfer a cent the them, to confirm that I'm actually in control of that account. )