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?
That’s a quite good deal. There are some barriers with Digi that makes them exclusive:
I prefer prepaid because unbanked cash payers are not excluded (apart from some exceptions). And because use-it-or-lose-it within a time limit is designed for people to pay for more than their consumption.
Orange prepaid is 15 €c/min. So at €5/month that amounts to 33 min/month, which is probably the max I would use in a month. On average I would use less. So an Orange top-up for €15 would last me longer than 3 months. Even though 15 €c/min is a terrible price, it’s still cheaper than Digi for my consumption strictly in terms of voice calls. The 15gb of data really puts Digi ahead for me, but the exclusivity factors still prevail. I can’t stomach the thought of supporting Digi’s forced Cloudflare and forced banking policy. Digi will test my ability to stand by my ethics.
I appreciate your feedback nonetheless. The one thing Digi does for me is at least they add to the competition which should keep prices under control. Phone booths would serve anyone including tourists & cash payers. Prepaid GSM is the next closest service to that market. The quite a big pricing gap between prepaid and post paid plans seems to reflect the indirectness of that competition.