I did the exact same change with the exact same fan (I think it is the only one in that size on the market actually) some months ago and can confirm. I only have to add some dampening to the feet because the hard drive vibrations get amplified by the shelf it sits on.

That is exactly the system wero is using. A wero transfer IS an instant bank transfer in the background

Wero relies on instant bank transfers which are not supported by DKB yet but will be mandatory later this year. I am pretty sure DKB will start supporting wero at that point. Wero itself is not feature complete yet though so it will be a few more years until it can replace PayPal and credit cards.