Overview
- From November 20, lenders must run creditworthiness checks for Buy Now, Pay Later offers and mini‑loans under €200 under the EU Consumer Credit Directive.
- Ryanair switches to app-based boarding passes on November 12, with paper alternatives available only in exceptional cases.
- ZDF and its sister channels end SD broadcasts on November 18, making HD the only way to receive ZDF, ZDFinfo, ZDFneo, 3sat and KiKA.
- Spotify’s price rise for existing customers takes effect on November 15, lifting Premium Individual from €10.99 to €12.99 per month.
- Kulturpass balances for 18‑year‑olds must be used by the end of November as the program winds down.