Can only speak for myself, but yes, I do pay all my bills online (ie all the stuff from inside Sweden - rent, CCs, utilities etc - some of the bills even arrive in electronic format directly in the online bank), and can freely push money to others accounts (within Sweden), but an international money transfer they charge extra for. Within EU they typically charge €3 on the sending end - receiving bank also charges a fee and you have the option to pay for that from the sending end, to ensure the full amount actually reaches the recipient..

For non-EU money orders my bank charges ~$US 20 IIRC... and IME the receiving bank takes a chunk as well.

As it is, I'll be buying/paying through robricc.