Thanks, I don't doubt that, just wanted to know more wise.com or if I misunderstood something.

You're right also, I live in Germany since a couple years and and businesses taking money off your bank account is definitely a thing here, I don't know for how long. But mostly it's done by your electricity utility or by the tax man, various fees e.g. the fee for public tv etc. I don't know if there are costs to it, but probably yes.