[boneitis]

> You think it's easier to require setting up a third party account, adding your card to it, getting the card authorised, and doing the payment that way, with fees.

> Than putting 20 digits in your own bank's application and pressing "send"?

Posting from U.S. (and admittedly a very U.S.-centric response), but in the case of Venmo/Paypal/buymeacoffee/Patreon/gofundme, yes.

I spent another half-hour trying to go the route of Wise suggested by a sibling comment but got stuck in the KYC hurdles. I already sent them my I.D. several times, but the selfie-verification flow won't complete for me, and I'm drawing the line at choosing not to install their app. (And well, I bit the bullet and installed app. It refuses to take a clear selfie, no matter how clear the the preview is /shrug)

[masklinn]

> Posting from U.S.

Yes if you're trying to use SEPA from the US I can see that, no issue there.

But from the perspective of a very euro/german centric CCC[0], SEPA is really not complicated, and almost certainly free (I understand that a few banks still charge for those but most don't, possibly to a limit). So that's likely a blind spot of theirs: SEPA is probably the cheapest and most straightforward method for 95% of their donations or more.

Even more so as this is the central organisation, but the CCC is mostly a network of local clubs[1], so revenue to the national CCC is I assume almost entirely from the clubs shunting some of their income up

[0] if you check their front page, 1/2 to 2/3 the posts are in german, so are several of the pages

[1] https://www.ccc.de/en/regional

[immibis]

You're trying to send money internationally. It sounds like your bank doesn't want you to send money internationally. This is your problem with your bank.

I don't see why you'd need Wise for a one-off payment. Just go to the international transfer page at your bank and enter the details? Do they not have one?

[masklinn]

As they indicated at the top, it looks like their bank's international transfer feature (to the extent that it exists) is broken: https://news.ycombinator.com/item?id=42527151

I believe this is par for the course for US banking and why so many alternate payment systems exist. And in all fairness, it does very much remind me of european banking 15-20 years ago, before the spread of smartphones and banks getting on with the program and making SEPA a (and later EPC) a baseline feature, undoubtedly prodded on by member states.

And I can understand having to translate from SEPA to SWIFT and then needing to deal with that to be less than ideal. When I had to send money to a friend outside the EU I had to go through the bank's website (not available at all from the mobile application) and to register & wait for validation of their account as beneficiary (24h delay IIRC).

At the same bank, SEPA transfers is a button on the home screen of the mobile application, and doesn't require any setup, just input the IBAN or scan the EPC and go (and god would I like more businesses to accept SEPA / use EPC instead of requiring inputting my credit card every time or going through third party payment providers)