In many countries, online banking is not protected by two-factor authentication. This means that whoever gains the control of user computer, using malware or otherwise hijacked computer, can do unauthorized bank transfers. This is an issue for SWIFT, SEPA and wire transfers. Receiving money from a stolen source may lead to freezing your bank accounts for the duration of criminal investigation. The way to mitigate this risk is to check that the buyer id matches the sender bank account name.