An alternative in Germany (or any country adhering to the IBAN&#x2F;BIC numbering system) is cringle [1]. It uses direct withdrawals (Lastschrift) or wire transfers and does not require the other party to have a cringle account in order to receive money, according to their website.<p>[1]: <a href="https:&#x2F;&#x2F;www.cringle.net" rel="nofollow">https:&#x2F;&#x2F;www.cringle.net</a>