You can pay using SEPA bank transfer or direct debits or some other options.

That the bank is using VISA/MasterCard etc for their cards is still a better option than using them directly because they barely do anything. Heck European debit cards don’t even work like they do in the US. You HAVE to 2FA them.

Most of the time in Europe our transactions go through things like iDeal, Bancontant, Wero etc