I currently have the option to deposit funds into my trading account through a credit card or through a bank transfer. For me, using a credit card seems to be the better option since the funds will be available on T212 much faster than if I do a bank transfer, and maybe it’s also a bit safer.
However, as soon as I deposit even 1€ with my credit card, this will be the only available mode of withdrawal should I want to withdraw some of my money. The problem is that I don’t spend a lot on my credit card, so having a large balance on my card would be impractical, and my bank charges 20€ for transferring a positive balance from my credit card to my bank account. Your 5€ fee for withdrawals via bank transfer seems more reasonable in comparison.
Therefore it would be nice if I could opt to receive my money directly onto my bank account even if I have used a credit card to deposit funds in the past.