How Does ATMs & Cash Work in Germany?
Last verified: 2025-06 · Europe
1The Quick Answer
Germany is more cash-dependent than most Western European countries — always carry euros as many restaurants and smaller shops are cash-only.
2What You Need to Know
Despite being a wealthy, modern economy, Germany has a strong cash culture and many businesses — including restaurants, markets, and smaller shops — do not accept credit or debit cards at all. The dominant card system is Girocard (EC-Karte), a German-specific debit system; some venues accept Girocard but not international Visa or Mastercard. Sparkasse and Volksbank ATMs are widely distributed and typically charge no or low fees for withdrawals. Avoid Euronet ATMs found in tourist areas — they charge high conversion fees and unfavorable rates. Always withdraw cash on arrival, especially outside major city centres.
3Practical Tips
Practical Tips
- 1Withdraw cash at Sparkasse or Volksbank ATMs to avoid the high fees charged by Euronet machines
- 2Carry at least €50 in cash at all times — many places, including some supermarkets, are cash-only
- 3Use a Wise or Revolut card for ATM withdrawals to minimise foreign exchange fees
Important Warning
Euronet ATMs in tourist areas charge dynamic currency conversion fees that can add 5–10% to your withdrawal. Always choose to be charged in euros, not your home currency.
How does this compare?
ATMs & Cash rules in nearby and similar countries:
UK ATMs are widespread and free at supermarkets and post offices; contactless payments up to £100 are the norm but some small venues still require cash.
Cards are widely accepted across France, but some traditional markets and brasseries prefer cash — use Crédit Agricole, BNP Paribas, or Société Générale ATMs and always decline dynamic currency conversion.
Cash remains important in Italy, especially in smaller towns and markets; use bank ATMs such as Intesa Sanpaolo or UniCredit and always decline dynamic currency conversion.
Traveling to Germany?
You might also need:
Wise (formerly TransferWise)
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SafetyWing Travel Insurance
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Airalo eSIM
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More About Germany
Tip 5–10% at restaurants by rounding up the bill. Always pay directly to the server, not by leaving cash on the table.
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Germany has excellent trains, trams, and buses. Buy a day pass (Tageskarte) for city travel. Deutsche Bahn runs intercity trains — book in advance for discounts.
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Germany has excellent healthcare. EU citizens use their EHIC card. Non-EU tourists need travel insurance. Pharmacies are widely available for minor issues.
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Jaywalking is a minor offense. Nazi symbols and Holocaust denial are criminal offenses. Cycling without a light at night is illegal. Noise rules are strict.
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Police: 110. Ambulance & Fire: 112. Medical non-emergency: 116117. All EU emergency: 112.
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Germany is relaxed about clothing. Dress practically. Some clubs and upscale restaurants have dress codes. Churches ask for modest dress.
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