I understand your concern. If you want to avoid PayPal, Payoneer, and Stripe, I’d suggest checking whether itch.io can support a direct bank payout for your country, or contacting their support to confirm if there’s any alternative available.
If they don’t offer direct bank transfers, Payoneer might be the most practical option despite the fees, especially if you’re planning to sell the game through itch.io. You could also consider using another platform that supports direct international bank transfers.
I’d definitely confirm the available payout methods with itch.io support before setting everything up, just to avoid any issues later.