Credit Cards Germany Karte verloren?
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Just got back from five days in Hamburg. I've never picked up on this despite visiting Germany on many occasions.
I rarely use cash and not once when I've used a card have I ever been asked to pay in cash or made to feel that paying by card is an inconvenience.
I have seen no distinction between Germany and any other European country regarding attitudes to card payment.
Well, I live here and yes, Germans prefer cash. By a landslide. There are any number of restaurants and stores that either don't take a credit card or charge you extra.
You want to take that KD ship down the Rhein? Want to go in a castle? Cash only. Want a bratwurst or a glass of wine from the local farmers market?
That cute little neighborhood restaurant, pub, cafe'? Local transportation in Munich, Berlin, Frankfurt, etc.? Electronic needs and you stopped be the huge Saturn chain?
Cash only unless you have American Express. Ok, that picture might be a bit too pessimistic. All MVV vending machines accept GiroCards debit cards the newer ones those with a touchscreen acceppt credit cards too.
The rule of thumb is: The smaller a shop is, the less likely it is to accept credit cards and vice versa.
Anyway, it's advisable to have some euros in the pocket or to make sure beforehand if that nice small restaurant accepts credit cards. I got a lecture on this subject from Euwe, owner of Pension Peters in Berlin.
If you don't have cash, the Sparkasse ATM is just across the street. Thank you all for your value inputs. I went to Baltic States in May, Credit card was accepted everywhere even in local food market.
Well, at least all the places I went. I was even regret I took out that much cash from ATM. Jo, very value information.
Yes, I will be taking the KD ship, and of course visit the castle in St. Goar, I will be using the tram in Munich.
I am glad I asked the question. Not so, one can purchase passes and individual tickets with a credit card when using the respective transit operator's official mobile app.
In Munich and Berlin if you want to buy a ticket from the S-Bahn machine, it is indeed only cash. I saw a payment "disagreement" on the trip this time at the Pension in Berlin when these two older Finnish ladies wanted to pay with a credit card and the proprietor really frowned on this.
With one of the Finnish ladies there was also a communication problem since she could not understand German and the proprietor spoke only German, certainly not enough English to explain why this Finnish woman's English wasn't much better since I never heard her say anything in English the Berlin city tax was added to the bill, another issue.
In the end the other Finnish woman who did speak enough German got the message on the tax and paid the total bill in cash. I tend to, as Rick described it, "stay in the small inns, eat in family-style restaurants".
These are the less expensive places, and rarely do they take credit cards. On my last trip, while my hostess was showing us to our room, she indicated that they don't take credit cards for payment.
I recently made a reservation for a hotel on the Rhein, and along with the confirmation was this statement, "Wenn nicht anders vereinbart erfolgt die Zahlung vor Ort beim Einchecken in bar.
If you insist on using places that taket credit cards, you will pay more. Even if they don't add a surcharge for cards, their rate will be a lot higher.
I liken that to paying a nickel more per gallon of gas here when using a a credit card over cash. Most likely, you can offer to pay by credit card as often as you want and see how many times the card is accepted.
Restaurants even in heavily tourist frequented areas still may indicate in the menu that only cash is accepted. I'm going by two restaurants in Vienna I went to great places to eat!
We spent 2 weeks in Germany a few years ago and found this an irritation. We definitely encountered places that were cash only.
That's their right, but some were deceptive. Like the restaurant that notified us of the "minimum" of 40 euro to use a credit card when we went to pay, coincidentally our meal was 39 euro.
We definitely felt that if our meal had been 41 euro, the "minimum" would have been 45 or Germans are not known for being deceptive and it seems a bit bold to accuse a place of business of this kind of behavior.
When you ask if they take credit cards, this is when they tell you what the minimum is so you can choose your form of payment.
I totally agree that we should respect local rules, I will definitely have cash on me just in case. I really appreciate all your information.
I think its perfectly reasonable to charge a credit card user more for their transaction or give a discount for cash, which is effectively the same since there is a cost to the retailer for the transaction.
So that effectively, by paying the same price, cash users were subsidizing cc users. This may no longer be the case.
I recall reading an article in the Wall Street Journal a few years ago which said that Germans had low usage of credit cards because they did not like to leave records of their purchases behind for others to access.
Different cultures have different attitudes. As we have stated on our Homepage you can easily generated a valid credit cards by simply utilising the card number prefixeses which can be easily identify by looking at the Major Industry Identifiers or MII.
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Sometimes a simple bank account is not enough: For instance car rentals, flight tickets and many online shops you need a credit card, be it from Visa, Mastercard or Amercian Express.
But no worries: In Germany, there are plenty of free offers. See the list and comparison here. Before we go on: An important difference to understand is the one between Debit and Credit Cards:.
Below you find an interactive comparison table with free credit cards from Germany. The most interesting ones are described below the table with a bit more details.
Their credit term is also very long: 7 weeks. So after spending, you have up to 7 weeks time to pay the bill to Advanzia.
However, if you miss to cover the full bill, you pay an interest rate of 1. So paying back in time this is really something you should take care of if you want to stay free of costs.
Credit Cards Germany VideoHow to deal with money like a German - Meet the Germans
Credit Cards Germany VideoWhy is the credit system in Germany so confusing? One of the first providers is number Similarly, free without annual fee credit Beste Spielothek in Obenstrohe finden could establish in Germany. So you arrived in Germany but your money is still outside the Eurozone? That restaurant indicated Snooker China 2020 philosophical reason against electronic payment. I know it is not much, it is just another example to prove that credit card is not favored in Germany.
Different cultures have different attitudes. Scandinavia is getting to be virtually cash-free. Germans want cash. Cash is not a "costless" payment method.
Cash has to be guarded and carefully accounted for. Ask any operator of a retail business in the US. Any amount of cash in the till invites armed robbery and subsequent danger to employees.
Cash has to be transported to the bank, which is also a time of vulnerability. Don't forget employee theft or incompetence. Credit cards can be a godsend to these businesses.
Money goes straight into the bank and less cash that can go missing. Armed robbery does not seem to be a worry to Germans, and most of these smaller businesses are family run, and little sister is probably not very likely to be skimming the till.
Over the years since and seeing so often, sometimes every two or three days, at the Berlin Pension the guests after breakfast check out, all very visible since the " kitchen office" is next to the breakfast room.
That means it is always done with cash. My very first stay in admittedly, I presented my MC card at check-out but the proprietor Inhaberin asked if I could pay in cash.
I had the amount ca Euro on me, so I obliged. I had no intention of denying her request. All future stays after that, I made sure I had the cash to pay on me or more This cash requirement fits well in that the guests are overwhelmingly or exclusively German, the others are European, the Finns, French, those I've seen,, basically no Americans hardly ever, no AC at the Pension , no Asians, British,.
Calvin - if you're staying in hotels in larger cities, they'll take a credit card. We spent 15 days in Germany in June and I can't recall being denied the use of a credit card more than a couple of times.
We did tend to make smaller purchases with cash and sometimes paid in restaurants in cash just because it's usually quicker.
So you might want to withdraw some cash just in case but expect that most of the time, your credit card will be accepted just fine.
Actually, all my hotels are charged online. I also purchased my train tickets online, which of course was charged right away. I just need to have some cash on me for my daily expenses in case I want to try out some nice local food, and, of course, getting KD cruise ticket and paying admission.
Regardless, I used the credit card once or twice. That one I remember since I asked specifically about that surcharge.
The only time I've paid a German hotel in cash, was when there was some technical problem with the connection. It was luckily enough a cheap hotel and just for one night.
I have also run across cash only restaurants in Frankfurt and Bamberg. I have also had chip sign card fail at an Aldi in Munich. So yes have cash.
Also ATMs are less common in Germany, so you really need to plan ahead more than elsewhere. Germany is very much not like Italy, where ATMs are everywhere AND credit cards are accepted everywhere, and the financial aspect of travel is carefree.
I would say that between hotels star in Austria and Germany and restaurants , you'll find restaurants less inclined to take credit cards.
The hostels I've stayed since in Austria and Germany, both private, independent and the HI hostels, take a credit card.
Don't be surprised if a restaurant, even one located in a tourist frequented area, will not accept a credit card, if the one located off of am Graben in Vienna is any indication.
That restaurant indicated its philosophical reason against electronic payment. Get out of the tourist areas in a big city in Germany and Austria, or go to the small towns, those off of the tourist radar, except for German tourists, you'll most likely find only cash is accepted.
Why bother for only one star. In my experience, most hotels in Germany could easily have two or more stars, if they wanted to take cards. You might luck out and only have transactions where credit cards are accepted, but I guarantee you that if this is your experience, you're not eating where the locals eat or shopping where the locals shop.
I also can't use my American card at the transit ticket machine but I can use the Girokarte. Regardless the idea of paying by card at a little winery's besenwirtschaft or a summer festival or something like that?
You're welcome to try to use your card here, but if you're smart you'll have cash on hand in the event that the card isn't accepted.
We tend to walk around with hundreds of Euros in our pocket. Sounds weird and is weird in most places! Ref credit cards versus cash, Depends of the area.
Large cities in Germany credit cards are ok. In the smaller areas cash is king. I could not use my American chip and signature credit card at a S-Bahn ticket machine.
So, I paid cash, no problem inserting the bill or coins. With the DB machine it was easier. The DB ticket machine accepts the American chip and signature credit card.
No problem whenever I used it on this last trip in June. As a generalization the big cities in Austria and Germany will take credit cards but don't be surprised if you come across an establishment restaurant, Pension, small hotel, etc that refuses your credit card.
I know of two such places in Vienna and Berlin. It does not matter if a city is big or not, there are many small businesses in large cities that do not take credit cards.
The local transportation for these large cities also do not take credit cards. Believe me, I have watched 's of people try to use their credit cards at the Frankfurt airport to buy their ticket to travel by S-bahn to the city.
Nope, nada, nix. Jo is right. We both live in large German cities, that doesn't mean you can or cannot use credit cards at plenty of places.
Size of the city has nothing to do with it. I can use my American credit card at a gas station in the boondocks, but I cannot at my local, large chain grocery store.
I really enjoying reading all of your inputs. I learn a lot. In a way, It is quite different from what I have encountered on my trip to Sweden and Baltic trip back in May.
In Sweden, a food truck will take credit card. Anyways, I will plan to withdraw more cash this time. I just came back from my Germany trip.
I know it is not much, it is just another example to prove that credit card is not favored in Germany. You might luck out and only have transactions where credit cards are accepted, but I guarantee you that if this is your experience.
Well, I'm back here in Germany again, Schuttertal in the Black Forest, staying in a town complettely bereft of foreign visitors and every restaurant and shop has offered me the option to pay with a card.
Even the multi-storey car park offers payment by card. I've paid cash at a local market stall but that's to be expected anywhere, I've been to farmer's markets in the US where you wouldn't expect to pay by card and as a market trader myself I only except cash except online.
The perception that it's difficult to pay with a card in Germany is not one that I recognise. Ah yes, one or two time visitors arguing with people who live in Germany.
Thanks for the update JC. The notion that Germans treat plastic like a piece of Plutonium is so Germany and Austria who experienced periods of extreme hyperinflation after the world wars.
This, along with life under dictatorships and in high-surveillance societies, has given both populations a fierce desire to protect their privacy please note — something that is afforded by the anonymity of using cash — and to keep wealth in physical form to avoid relying on systemic institutions.
I did notice while cycling around the Mecklenburg-Vorpommern state in the former East Germany with a German friend, he paid cash while we paid by credit card.
I suppose that wasn't too worried about the government figuring out where and what we ate. If you think that it is easy to pay with a credit card in Germany and Austria, what will you do when the particular establishment tells you they want cash payment instead, even though you see the Visa logo is on the window or door, or when you read on the last page of the menu saying only cash is accepted?
Fred, I carry cash as well but I prefer tp pay by card and reserve the cash for occasions where card is not accepted. The point I'm making is that cards are more widely accepted in Germany than some on here have made out.
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