Are credit cards widely accepted and safe to use locally? Are ATMs common and do you recommend using them? Are they safe to use?

Weirdly, Germans love cash. You can usually pay by card but you should always have cash just in case. - Sep 2020


Oddly enough, credit cards aren't always taken here. Cash is king for sure. However you will need a local bank account to pay bills such as internet, medical and if you have kids school fees. - Mar 2020


No. You'll need a local German bank account, which takes about 2-4 weeks, and you'll receive a card from the bank. You'll use this card for local purchases. The Consulate has an ATM where we withdraw our cash. - Mar 2020


Yes, yes, and yes. Setting up your bank account can take some time with German/EU identity regulations, but once you have it there is no problem using your German ATM anywhere. - Feb 2020


American credit cards work fine. You will need to get a German bank account to pay certain bills including internet. - Sep 2019


I would say safer than in the US. Skimming is known but rare. Credit card machines come to your table at most restaurants. Cash is still king though and ATMs are widely available and safe. - Apr 2019


Everything is safe to use. Cash is always better, and some places don't accept credit, but the grocery stores accepted credit cards as did major restaurants. - Sep 2017


Yes and no. You can use them, but I found cash was easier. I only used credit cards to pay for hotels and plane tickets. - Jan 2017


Yes, credit cards are widely accepted and safe to use, though Germans are more likely to use cash than Americans are. ATMs all over the place, including one at the consulate. - Aug 2016


No issue there. - Feb 2016


Some smaller establishments and groceries only take cash or German "EC" (debit) cards. Using a credit card is safe but you should get a card with a chip as this may be the only kind accepted. - Dec 2015


No issues, plenty of ATMs here and they seem pretty safe. - Jun 2014


Credit cards not used as much as one would think for a fully developed economy. Make sure yours is "chipped" or it may not work at all. ATMs can be used everywhere and the Consulate is moving to an ATM based cash system. - Mar 2014


Credit cards are accepted almost everywhere but always double check. - Nov 2013


Safe to use anywhere, but your credit card must have a chip in it for most places to accept. - Apr 2012


Many restaurants do not take credit cards. The best exchange rate is at the consulate. - Mar 2012


German banks charge ridiculous fees to use their ATMs. You can open a German bank account, but again the maintenance fees are preposterous. - Oct 2011


It's fine here. - Jul 2010


Credit and ATM cards are widely accepted. The only place I found that dosen't take credit is the grocery stores. - Jul 2008


Both are available and easy to use. - Feb 2008


There's an ATM at the nearby REWE market (with fee) and the mall five minutes away. They take VISA at most places although not everywhere. - Jan 2008


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