well, for robosats you need revolut as well (or something else instant). sepa is slow. instant sepa is usually not an option for me. and with the ridiculous transaction limits you can't even buy like a 1m sats (when btc is up) 🤷♂️
Discussion
I mean yes you need some sort of bank account that can do SEPA if you're in Europe to trade on any of those platforms. SEPA instant has always been very fast for me (I mostly use it on Hodl Hodl) and I've had no issues buying large amounts, not sure why you get limited to 1m sats.
But what you seem to be looking for is KYC free BTC, P2P trading is your best bet, since then youre just sending $$ to a person and not a particular platform. They dont even know that you bought "tether".
I use all the options. Even nostr:npub1mftv2j67vayavkks8rqev3u8jjhefe86tf80msstfxvpunk9vmps6prkl3
For larger amounts I trust the liquid federation more then any bank. It happened many times to me that some wire payment was held by any side of the transaction. Even for weeks. Or returned (with all the fees involved).
The thing is a new legislation which technically requires the receiver to "verify" where the money came from. Happened to me that the transaction was held until I proofed the funds (which obv resulted in a failed trade, because we all know how fast these things are).
Not all banks support instant sepa...