Swift is slow and expensive as hell, the fees can run into 10s of dollars per transaction. SEPA is limited to the EU, not even the official candidate countries have it.
This is mostly but not entirely coincidental. The name München is derived from the word for monk, which would be "monaco" in Italian. Both "monaco" (monk) and "Monaco" (city) ultimately descend from μόνος (Greek for "solitary").
It's really arrogant how you assume you understand GP's situation better than themselves.