[catdog]

At least in Germany they usually are free for personal accounts (if not your contract is likely shit, choose a better bank).

SEPA instant might cost extra or not be available but both of that will change soon due to new EU regulations.

[radiator]

In Germany, competition seems to work in this case, so it is free. I believe SEPA dictates that an intercommunity transfer may not be more expensive than a transfer within the same country. So if a bank in country X charges you 4€ to receive money from another bank in the same country X, it may also charge you 4€ for receiving money from Germany.