If you have a debit card, you will be able to use pay-pal...
Myself, i use my own bank account for send amount of money to pay-pal... need around 3 working day for they receive it...
Only back side, since you don't use a credit card is the transaction limit who is only 1500 euro year...
For info, i am located in Belgium and the pay pal account is in Antwerpen... Each European country have a local account so you don't need to use european wire banking system... local one work perfectly...
About bank to bank, don't worry about identity thief... ofwell, you go to your bank agency for make the payment, ofwell you use online banking ( who need a special calculator who use a challenge, your bank account number and your pin code ) where nobody can retrieve your identity... have try online bank account secure with finger print but forget it... afinger a little dirty, with a cut or other problem and you cannot log !!!