IBANs aren't secret, they have the same level of confidentiality as your address or birth date. One-off SEPA Direct Debit is virtually unheard of, recurring pa

IBANs aren't secret, they have the same level of confidentiality as your address or birth date. One-off SEPA Direct Debit is virtually unheard of, recurring payments are a bit more common but usually involve a €0,01 payment to prove ownership of the account. The transactions are also trivial to undo, and can only be initiated by companies. So no, "IBAN fraud" isn't a thing in practice. You can safely share your IBAN with your friends for instant free wire transfers.