Potential buyer wants to pay with bank transfer

[mmm-five]

The only scam with bank transfers is when the account is being used fraudulently with stolen documentation to make you think you're dealing with the account holder.

In this case it's fraud, and the banks can debit your account to retrieve the monies fraudulently transferred.

Cash on delivery or at your home can be dodgy as the seller has to carry a load, and the buyer may not be able to spot counterfeit currency.

The only safe method is for the buyer to take cash out at his bank, with you watching, and then for you to pay it straight into your bank account (even if you both bank at the same bank). Even if he's using that account fraudulently, there's no trace of it going to your account. This way you know the cash is real and it's in your account.