Overview
- Sparkasse, Commerzbank, and Volksbanken confirm that many ATMs retain a card after 30 seconds without user input.
- Volksbanken say the timeout is preset by the central processing centre and cannot be changed by individual institutions.
- Additional triggers for card capture include three incorrect PIN entries and leaving dispensed cash in the tray.
- Before a card is taken, machines emit a loud warning tone, with an audio announcement available via headphones for visually impaired users.
- Post-capture procedures vary: Commerzbank’s contractor destroys cards, Deutsche Bank may release cards for its own customers, and many Volksbanken identify owners and return cards, so customers may need to call 116 116 to block a card and keep emergency cash for delays.