Within the SEPA (Single Euro Payment Area), all euro payments, i.e. sending money within the SEPA area, and all direct debits across Europe are carried out according to the uniform SEPA payment procedures.
Private customers can send money within the SEPA area at any time, online, at self-service kiosks and at a branch. To pay with a SEPA direct debit, all you need to do is to provide the payment recipient with a SEPA direct debit mandate.
Sending money to countries outside the SEPA zone is simple and can be done using a conventional international payment (SWIFT payment).
Transfers abroad in online banking are now possible without activation.
Basically, you should keep your limit in online banking very low. If larger expenses are necessary, you can increase your limit here at short notice.