this post was submitted on 03 Apr 2025
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Germany - Deutschland, but in English

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no receipts

ATMs in Germany did not ask if I wanted a receipt. Then they simply neglected to print a receipt. I noticed one ATM did not even have a printer.. no slot to output a receipt.

Not too long ago I came across some international law regarding ATMs. One of the requirements was that ATMs provide a receipt. How is Germany getting around that law? Or did the law change?

no mention of fees

Every ATM I have encountered outside of Germany (w/the exception of 1 machine) mentions a fee for non-SEPA cards, which is then printed on the receipt. The transparency is also an obligation imposed by international law. Is it safe to assume German ATMs do not charge a fee to non-SEPA cards? Or did I just get lucky on the ATMs I encountered? I think I once used an ATM in France which did not charge a fee on a non-SEPA card.. so they do exist but I’ve found it to be quite rare before traveling to Germany.

Ideally there would be a list of ATMs somewhere that are wholly fee-free. AFAICT, it’s a crapshoot.

banknotes

I heard some German ATMs will dispense bills as big as €200. But banknote availibility is never disclosed until you do a transaction. Some ATMs only went up to €50 and some €100 but I never got a bigger note than that. What bank or ATM operator has €200?

tailgating to reach an ATM

There was a locked ATM room. I did not try my card to open the door because it was not of that bank. But luckily there was enough traffic that I could tailgate someone in to access the ATMs. That’s a bit bizarre, no? Anything wrong with tailgating? Is it setup that way to be a kind of VIP privilege to enter for just that particular bank’s customers?

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