Sorry I misspelled it on the iPad. I meant online bank accounts for people who don't want to use cashier, paper transactions and so on. Sparkasse reacted very late to this demand in my eyes.
Very late? I did online banking with Sparkasse back in the early 90s via BTX and from the mid 90s via Internet. That's "very late"? Ok, this was just one way of doing your business. But you could if you wanted to. Nowadays many VR-Banks or Sparkassen offer "online-only accounts" too for several years. If you want it this way. But overall it's a decision of the local bank.
btw: online-only bankaccounts have been a hype for some time now. but my experiences (friends, coworkers, ...) show that a lot of people come back to "normal" banks with local advisors and so on. at the latest when they had questions, a problem, needed someone to help them and there was nobody but anonymous call center agents or just webforms to fill in. as i said, I myself was at DKB, ComDirect, DeutscheBank24, ... at a certain time I was bored and the call center agents drove me crazy at simple questions.
if you never run into trouble
(i.e. you bought a new home, you sold your old but the new owner doesn't pay and so you need bridge financing for some longer time. at a online bank, you just can fill in new forms and have to hope the computer on the other side says "yes" or the final human controller works on your application as soon as he can. your local advisor not only fills in everything for you, he often just hits enter, types his personal credentials and the deal is set - that's the difference)
or you really just want an account for getting your salary and a card to spend it ... your really fine with online-only accounts. doing anything else will get you back to local banks at a impressive speed. and if it is just for a second or third account
but that is something to far away of this topic and a question of personal needs, experiences and "taste".
I never talked about N26 and debit credit cards. N26 is Not a valid bank for me.
Not for you, but others in the older thread repeat consistently that german banks in general are old and they don't offer credit cards for free and without a credit card you are hopeless in foreign countries and modern banks like N26 are the future (question is, for how long? that's not a bank in my eyes. it's a website and a bet on the future) and there you get a MasterCard for free and so on and on and on.
Just wanted to mention, that this permanent mentioned "bank" does not offer a credit card but a debit card. Relating to the example of car rental above ... you are in trouble with the N26 Debit Card not more or less as a "normal" GiroCard if you want to rent a car at Sixt & Co.
That was all I wanted to say.
Perhaps I should ignore some things in these threads, but I'm always getting bugged if people are talking about things, they obviously don't know anything about but stereotypes and urban legends. Like long time macOS-only users blaspheme about Windows or Android-only users backbiting iOS or in this case guys who are ranting about banks and card systems without knowing anything about the backgrounds, history or context.
Sorry.
