I have not seen a SEPA wire transfer cost more than 1€ since SEPA wire transfers have existed. Which would make the fee at most 0.01% for >10k€ payments.

Regardless of how small the fee, there is a fee that you are being forced to pay.

The most that I have ever payed is 1€. I have been paying 0€ for the last 5 years or so. Is that still a fee?

"Oh lultimouomo", you say, "the were transfer might be nominally free but sure having a bank has other costs involved". No fixed cost, yrgulation, so by the very fact of having a bank account, depositing money in it and taking it back by wire transfer or ATM you are never paying a fee. Also, cash has a cost. You risk being mugged, you risk getting a wrong change by the cashier, the store risks a robbery / break in (and most often pays expensive insurance to protect itself against this)