Overview

• Oberbank says it is discontinuing cash withdrawals across its German network, converting 16 southern branches since July 31 with the rollout due to finish by the end of September.
• Several Bavarian locations have already removed ATMs and teller cash services, with sharply reduced opening hours and notices directing customers to other banks’ machines and retail tills.
• Supermarket cashback remains the main fallback but typically tops out at 200 euros per transaction, and retailers report rising processing and authorization fees that have sparked a cost dispute with banks.
• Euro Kartensysteme reports 4.04 billion Girocard payments and 150.7 billion euros in turnover in H1 2025, with 87.5% of transactions contactless and the average ticket down to 37.28 euros.
• Deutsche Bank, Commerzbank and local savings banks say they are not planning major ATM cuts, as consumer groups and the Senioren-Union press for protections such as a ‘right to analog life’.