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Leaving a comment so I get notified in case the name of the bank is reviled.
Sounds like Sparkasse. Thats why I don't do any online banking and set myself limits for:
a. debt my account can go into
c. payment by card
d. withdrawal without calling my local customer manager
e. countries that I can use my card in
It does limit your flexibility a bit but it prevents a lot of scams and stuff and I can always call them to give them a notice that I want to wire a large amount of money or I show up in person and identify myself to withdraw money