[1] https://www.europeanpaymentscouncil.eu/what-we-do/sepa-insta...
Here is a Monero address. Things sent there ends up with me. I advise against sending anything to it. Are you going to post your IBAN and account details?
I don't actually know what my IBAN is, but assuming it is my account number I'm not comfortable posting it here like I just did for a crypto address. This technology is something other than what I've had access to before.
My bank had them for a while, they cost 5€ but they are currently (and have been for a few months already) unavailable due to "widespread fraud".
Last time I looked at ETH and BTC I spent a good 30mins trying to figure out how much the transaction would actually cost me and if it depended if I clicked GO at an opportune moment. And yes, I admit that this might have only been a difference of cents, but I wouldn't know that beforehand.