SEPA needs all
of the following:
- the outgoing account must be an EUR-account
- the destination account must be an EUR-account
- the transaction must be in EUR
- the transaction must use "SHARE" as the cost-indication (not BEN; not OUR)
If all of the above is OK, the transaction may only cost the same amount as another transaction in the same setup would cost domestically. I.e. if an EUR-transaction from your Swiss EUR-account to another Swiss EUR-account would be free, it has to be free. If the domestic transaction is priced at "x", the bank can charge you "x", where "x" can be as much as they feel like.
For recurring transactions from Switzerland to Germany (or indeed other places abroad), have you looked into currencyfair.com / transferwise.com ? (PM me for referral links, if you like those