Earlier quoted context omitted.
Banks have already dropped their transaction fees. Simple bank transactions in the EU are free. iDeal payment is either free or costs about 25 cents.
In the EU it’s illegal for a merchant to charge a different price based on payment method (iirc), but merchants are most certainly still charged transaction fees for card payments. SEPA transfers still incur fees too. There is a huge number of service providers involved in every single card payment, and that service infrastructure only exists because people pay to use it. It absolutely wouldn’t be strange for the 2-3…
I really don't think that's true; there are plenty of merchants who do still charge different prices based on payment method. But there are also many who voluntarily don't, because the actual cost is negligible and better than the alternatives. Regular bank transfers of various kinds between consumers, including iDeal internet payments, as far as I can tell, have no fees at all. Cash withdrawals across different currencies may incur fees, but I've never seen fees in regular Euro cash withdrawals.
Nobody here is charging 2-3% except when credit cards are involved.