Hm, that's a harsh price then.
Even ignoring having to figure out how to send letters, I noticed they seem to have fees for having an account, and the lowest I noticed with a visa debit card was over 10€/month, while the lowest with EC was technically 3€/ but charged for transactions, so the lowest sane one was 7€/.
So if I can't move my account entirely and would use those as a second account, which it looks like I'd have to, I'd basically pay a significant monthly subscription fee for mobile payment.