[Cu3PO42]

> Maybe I could get a EU bank from another EU country but my employer will not accept an out of country account for salary deposits because it makes their tax life difficult and my mortgage provider doesn't trust foreign accounts either.

I do not doubt this is happening, but it is forbidden under SEPA. All IBANs, no matter from which member country, must be treated equally. Unfortunately, "IBAN discrimination" happens quite frequently still. The European commission recommends filing a complaint with your national governing body.