Credit Cards Germany Debit vs Credit Cards
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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. 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.
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The credit card company will automatically increase the limit. This process can be repeated several times.
I was able to increase my limit this way up to a high four-figure amount. Why should one combine a payment card with an insurance product?
The motivation of the financial industry is to earn more money from the customer. Many customers are willing to pay a higher annual fee for the credit card, if they feel that they get help in an emergency or replacement for damage.
Additionally, credit card companies do not secure the risk for themselves, but mediate their credit card customers to an external group insurance.
It case of the damage event, one does not contact the credit card company, but an external insurance company. Sometimes, these are even foreign companies.
They will check first — this is common for insurance companies — whether there is a reason that they do not have to pay.
Due to the insurance conditions through credit card companies, this test often favours the financial sector. Bad for the customer. Personal note: I myself made the experience at a Platinum credit card that included breakdown service, however, with a reason for exclusion: Within the kilometer radius from the place of residence, there is no service, if the vehicle is defective.
But where do most breakdowns occur? The answer: Nearby the place of residence, because one usually stays there. Even at my request to simply arrange the breakdown service and bearing the costs myself, no one felt capable of helping me.
The insurance package is usually bought through a higher annual fee for the credit card. Most credit cards are exempt from insurance in Germany.
A free credit card provides no insurance. Most wide-spread are the credit cards of the companies Visa and MasterCard , as these are issued in cooperation with countless banks.
Similarly, their acceptance is relatively high in Germany. The background is that the fees for a credit card payment must be paid by the payee.
American Express is partly still expensive. It is therefore accepted much less in stores. Additionally, American Express is only rarely offered by banks.
Usually one must become a customer directly with a credit card account. In Germany, the customer has to pay for almost all credit cards of American Express.
And the service standard of American Express is at international average. German banks offer not always, but very often a better service.
Most favourable for the stores are payments using debit cards, which are most common in Germany too.
Whoever is willing to pay an overpriced annual fee for a platinum card, will get it. Even at American Express that officially requires income amounts for specific credit cards, check this so laxly that one can specify almost any amount.
When presenting a gold or platinum card, no special status is granted. The card reader and the cashier do not pay attention to the colour of the card.
Marketing departments of card companies spend millions for this … apparently it pays. A black credit card does not have the same meaning in Germany as in some other countries.
There are several providers of prepaid credit cards that have an elegant black design. However, paying a high annual fee for this is a waste of money, unless the personal feeling of the customer improves as a result.
Nowadays, even the prepaid credit cards are available in the supposedly coveted colours for a relatively small fee. Here: Viabuy. Strangely, the most retail banks charge their customers an annual fee Jahresgebühr for providing a credit card.
At direct banks, the credit card is provided in almost all cases free of charge in addition to the current account. As previously described, banks earn money through the use of the credit card, even if the cardholder does not know about it and it does not appear on the card statement.
Whoever wants to have a credit card with credit line for cashless payments and can waive on extras, such as an insurance package, will find enough offers without having to pay for the credit card.
More than 3 million people have already decided on using the DKB Card entschieden. After the establishment of free credit cards at direct banks Direktbanken , the major credit card companies have followed this example and offer now a credit card without annual fee too.
On the website www. Make sure to read especially the fine print. The contactless payment using credit cards will increase in the next years in Germany.
The industry is currently investing in the corresponding infrastructure. Whether virtual credit cards that are mainly compatible for Internet payments will play a significant role in Germany, remains to be seen.
It seems that the future for scaled-down current accounts on a credit basis is more successful, as their use is possible simply or solely through the smartphone.
In combination with a free prepaid credit card that entitles you to a free cash supply, these offers will have a high demand especially among the younger clientele.
One of the first providers is number The best known brands are Visa card and MasterCard. Payments with these credit cards increase year by year, however, they are still not universally accepted.
Similarly, free without annual fee credit cards could establish in Germany. American Express only plays a minor role in Germany.
The most popular is the common debit card, which is also known as bank card or Girocard. Dear Tanja, I am currently a resident of Munich, Germany.
I came from India and am here on a long term employment. After arrival, I opened a Girokonto with Commerzbank. I read this article and tried with DKB first and then Barclays.
But both of them denied my application. Need your expert advise on how should I get a legitimate Credit card, preferably with some credit line.
Many thanks. It would probably be easiest to take a credit card of the Commerzbank, as this bank already knows your creditworthiness and your income.
Without income and creditworthiness check, you can open the MasterCard with a Smartphone-current account. However, the credit limit is only as high as the credit paid in advance.
Otherwise, I think that this credit card is really great: Number Would that be something for you? That right. I had applied for a credit card more than a month back with gebuhrenfrei and I got one.
But then I realized recently that the bahncard credit card by commerzbank would be a better option for me as I travel a lot by train.
I applied for a credit card from then and got rejected. Though I live in Germany since the last three months, my salary account is in Belgium.
Do you think that the my recent shifting to Germany and salary account in Belgium are reasons for rejection? Thanks in advance! Sorry, there are more than 2, different credit card models in Germany.
We only focus here on some of the very best from our subjective point of view. This is the reason, why we can answer detailed questions. Regarding the acceptance and rejection politics of offers that we do not actually know, we cannot give you any reliable information.
Hi Tanja, I have a creditcard from Sparkasse. I have euro debt, but this month I cannot pay it. I am going to skip it only this month.
What kind of extra money do I have to pay? It is just extra money, right? There are more than 2, banks and even more card models in Germany.
We cannot and do not want to support all of them. We have decided to describe the best offers in our point of view and answer the questions on their optimal use.
These banks are:. How common is it for consumers in Germany to purchase products online with credit cards versus paying by another method like direct bank transfer or Klarna?
What is the general preference? I have been living in Germany for three years now, first as a student and now with a stable job. I have had a deutsche bank account throughout this time.
I checked the one offered by Deutsche Bank and they charge 39 euros per year for it. Do you have any tips or opinion on how the DB credit card is?
I am looking for something which I can also use to make transactions online in Germany and in person while travelling abroad. Will the credit card from gebuhrenfrei be a better option in this case?
I cannot give you any current information about the credit cards of the Deutsche Bank, as we do not have the credit cards of this bank anymore.
You can find excellent alternatives on our special portal. In the USA, most credit cards often give you bonuses for signing up, such as dollars cash or points after initial purchases.
Also, you usually get free doubled warranty, price protection on all purchases, theft protection, free car rental insurance, etc. Is it the same way in Germany?
Thank you. I have been living in Germany for a little over two years. I have been a credit card since 1 year but I am not happy with their service at all.
It is very difficult to find a solution if I have a problem even with the Customer Service. I am thinking of cancelling this card and applying for another one.
I have been paying the complete bill monthly. Is there any disadvantage in Germany of cancelling a card or having multiple credit cards?
I received an invoice in regard of my credit card. The due date for the payment was a Monday and on the previous Friday I went to the bank asking them to correct the amount to be debited from my account.
She said that she would call me back or that she would send me an email, as I preferred. She did not call me and I paid the full amount.
What are my rights in that regard? I am looking for a credit card with no annual fees, without charges… and that allows me to make payments abroad for free..
Did I understand you well, and the best options for these requirements is DKB or comdirect? Can you recommend any? There is no way we can recommend that.
We do not know any German card provider — regardless of bank or not-bank — that would allow to open an account in your own name and then give the card to somebody else.
Such a provider will probably not exist, because such a practice goes against several German and European regulations.
The only legal possibility would be to find a provider who would be willing to provide you with a partner card with the name of your brother on it.
Such topics are not within our purview, so probably other websites might be able to help you better. Good luck!
I am interested in getting a contact less credit card in Germany. Do you know which banks offer them? And is it usual for people to use them?
Do stores accept contact less cards? More and more card readers in the retail business are being changed accordingly. With some it works, with others not yet.
Where the change has already been implemented, payment by touching the terminal with the card is totally normal and works.
I resist in Lithuania, but shipping is not an issue, because there are some service providers who gives you an address in Germany, so I can use it for shipping my purchased goods.
Later they will deliver my goods from DE to LT. But the problem is that particular eshop detects my cards origin and rejects the payment and says that it is not the German one.
It can be virtual, without credit line for sure. The only requirements are: can be ordered online, possibility to transfer funds via SEPA transfer or topup with other card like Revolut offers.
Minimal card fees are welcome. That is an interesting challenge! Good luck for your business! Hi, thank you for prompt response. Is it really German card?
That is a very good question, many thanks! Viabuy has been founded by very smart people, who cleverly used the laws and regulations within the European Union, Germany and Great Britain.
The registered office of the company actually is in Great Britain. You can find this account number on the backside of the MasterCard at least when you order it via the German language site , like I have done.
Outgoing transfers will be sent from a German bank account as well. For deposits you have your own virtual account number.