It would help if you mentioned which Iranian embassy / consulate you are dealing with.
In my experience (obtaining Iranian visas in London, Bishkek, Islamabad, Munich, Yerevan and Erzurum) you pay the money either in cash, or more often to a branch of a nearby bank.
I can well imagine there is a rule among European banks that only account holders can pay into the embassy's account with them, just to cut costs and make the user experience even more frustrating. But as you don't state where you are applying, this is just an assumption.
I seriously doubt that the embassy / consulate is running some petty scam to take a few euros from you. More likely a mistake or some red tape regarding banking rules.
Iranian visas are easy to obtain on the road, so it may be simpler now to have your visa reference code sent somewhere nearby e.g. Erbil or Erzurum and just collect it there where banks are not so useless.
I have no idea about Danske Bank but I wouldn't be surprised if there were monthly fees to have an account, so that might further add to the cost if you persevere in your current location.
EO
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EurasiaOverland a memoir of one quarter of a million kilometres by road through all of the Former USSR, Western and Southern Asia.
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