"Or are we going to ASSUME the transfer is illegal until you produce your Birth Certificate, Passport, etc.?
"
That's easy. Just say, "Ausweiss bitte!" to anyone with dark skin who tries to transfer money. You can ignore all the others, you see, since only dark-skinned people could be illegals.
And it's all legal, because it's not the cops demanding your papers, you see. You get the bank teller to do it, and it's not a police state.
/bitter irony
It sounds like you are cynical towards those who are against illegal immigration?!?