Just checked, by EU law, banks cannot charge more for a SEPA euro transfer than they do for a local transfer within your own country.

... which boils down to 0 fees on any side for any transaction I've ever done, across quite a few countries in EU and to/from Switzerland. I don't think any sane retail bank dares to charge anything, people would migrate to competition in an instant.

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.

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.