Is Germany cashless?
Mostly cashless#61 of 197 in The Cashlessy Index 2026 · #35 of 45 in Europe
Short answer: Carry some euros. Many bakeries, beer gardens and small restaurants are still cash only.
Germany is famously cash loving. Card acceptance has improved a lot, but many bakeries, beer gardens, kiosks and small restaurants still say "Nur Barzahlung" (cash only).
Will my card work?
Mostly. Visa and Mastercard are widely accepted in Germany, though some small businesses are cash only.
Do I need cash?
A little. Cards cover most spending in Germany, but carry some cash for small places.
Local currency: Euro (EUR)
How does tipping work?
Round up or add 5-10%. Tell the server the total you want to pay; do not leave it on the table.
Mobile payments
Local apps often need a local bank account or phone number.
Getting cash: ATMs
Some ATMs are fee-free
Many bank ATMs are reported free for foreign Visa and Mastercard cards, but some add a fee. Independent operators charge the most.
Fee-free options
- Deutsche Bank, free if your bank is in the Global ATM Alliance
Avoid
- Euronet
- Cashzone
- Travelex
- FreeCash
- MoneyMachine
Your own bank may charge extra. When an ATM offers to convert to your home currency, decline and pay in the local currency.
Good to know
- Look for card logos on the door before sitting down.
- Some places only accept German Girocard, not Visa or Mastercard.
Frequently asked questions
Is Germany cashless?
Germany scores 66/100 on Cashlessy (mostly cashless), ranking #61 of 197 countries. Germany is famously cash loving. Card acceptance has improved a lot, but many bakeries, beer gardens, kiosks and small restaurants still say "Nur Barzahlung" (cash only).
Do I need cash in Germany?
A little. Cards cover most spending in Germany, but carry some cash for small places.
Are credit cards accepted in Germany?
Mostly. Visa and Mastercard are widely accepted in Germany, though some small businesses are cash only.
Do you tip in Germany?
Round up or add 5-10%. Tell the server the total you want to pay; do not leave it on the table.
Can I use Apple Pay or Google Pay in Germany?
Yes. Phone wallets work at most terminals that accept contactless cards in Germany.
Which ATMs are free in Germany?
Many bank ATMs are reported free for foreign Visa and Mastercard cards, but some add a fee. Independent operators charge the most. Best options: Deutsche Bank, free if your bank is in the Global ATM Alliance. Avoid: Euronet, Cashzone, Travelex, FreeCash, MoneyMachine.
Compare with Europe
Sources
Checked against sources in September 2026. Payment habits change quickly; see how we score.