I don't know if this is a german thing but here we have giropay. The money is instantly in your normal bank account. You just need to insert your phone number in your banking app of your bank and someone else can send/receive money directly via the app of their own bank when you/they know their/your phone number, without companies like paypal etc. The biggest banks of germany support it and you probably don't need another account at some third party banking company.