Hi
I've done a lot of PayPal transactions - you are correct.
When you sent up a PayPal account, you specify the bank routing and savings/checking account number you want that PP account linked to - just like you'd do for auto bill pay.
https://www.paypal.com/us/selfhelp/article/what-are-the-fees-for-paypal-accounts-faq690There is a charge to send internationally. To Germany,
If the recipient has a PayPal account the charge is 2%
If sending directly to a bank account the charge depends upon the amount being sent.
Hope this helps!