As a European, I don’t have access to Swan.
But if I did, I’d stop using the service ASAP. Just like I did with Relai when they banned me for using CoinJoins.
Fuck this dystopian shit, fuck all the “banking and custodian partners”, fuck any flavor of Bitcoin-only that’s synonymous with compliant (and ultimately anti-Bitcoin).
What would you recommend to a fellow European? Bisq + CoinJoin (Wasabi)?
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Non-KYC ATMs, stop using banks.
Use Monero. Buy on bisq or move between BTC and XMR via atomic swaps (implemented in Samouraiwallet).