Apple Pay Apple Pay in Germany

[Alanin]

i am not even a sparkasse customer - but the rumors are that apple was/is waiting for sparkasse to launch Apple Pay. and when sparkasse is not going to support Apple Pay at all - y would apple still not release apple pay then? there are enough players on the market providing Apple Pay in other countries and on top of that, there are enough other banks wanting to support it...

 

[aplh23]

i am not even a sparkasse customer - but the rumors are that apple was/is waiting for sparkasse to launch Apple Pay. and when sparkasse is not going to support Apple Pay at all - y would apple still not release apple pay then? there are enough players on the market providing Apple Pay in other countries and on top of that, there are enough other banks wanting to support it...

Actually i have no idea - i think the problem there are not much earnigs you have from a Single payment ( all infrastructure is Really expensive in germany, the Bank structure also, I mean the big ones not n26) so they dont want Pay Apple. Second Problem is - germans like Crazy ****** Garbage solutions. And the third Reason is: Internet ist für uns alle Neuland! Thats not a joke from Merkel - the big Banks and german companys act so! The infrastructure is really bad!

 

[docfred]

oh. an insider

 

[therealtibu]

oh. an insider

Funfact of the Day:

I shut down my „Sparkassen Sparbuch“ and yes it is still a book. They had to print the amount of money into it. Then they were able to cash out the money


Neuland

 

[aplh23]

Funfact of the Day:

I shut down my „Sparkassen Sparbuch“ and yes it is still a book. They had to print the amount of money into it. Then they were able to cash out the money


Neuland

Thats what im Talking about really Need more facts why we have No Apple Pay?

 

[docfred]

Funfact of the Day:

I shut down my „Sparkassen Sparbuch“ and yes it is still a book. They had to print the amount of money into it. Then they were able to cash out the money


Neuland

that's because a "Sparbuch" or "gesetzliches Sparbuch" is an official document itself. The owner of this little book is the owner of the money. it's not only some crazy old ****, it's a certificate. Or "qualifiziertes Legitimationspapier" in officiall language. Who has the book in his hands, gets the money. No matter, which name is printed in this document.

So, if you don't know what you are talking about, let it be or inform yourself about the use case.

 

[therealtibu]

that's because a "Sparbuch" or "gesetzliches Sparbuch" is an official document itself. The owner of this little book is the owner of the money. it's not only some crazy old ****, it's a certificate. Or "qualifiziertes Legitimationspapier" in officiall language. Who has the book in his hands, gets the money. No matter, which name is printed in this document.

So, if you don't know what you are talking about, let it be or inform yourself about the use case.

It was opened in 2016 where already Online Banking was established.

Why it isn possible to get an online Sparbuch? Why do they still selling these old Sparbücher?
Online Banking at Sparkasse is the biggest crap ever seen. If you want to change your Number or Adress you always have to call your advisor.

It is possbile to create a digital "qualifiziertes Legitimationspapier". That is why these banks are living in the 1980. But let them go ahead. Im out

 

[docfred]

As I said, if you don't have any clue what you're talking about, stop it.

If you don't want a "Sparbuch", which in its form is regulated by law, then don't get one but open another savings account. but a "Sparbuch" is a "Sparbuch" is a "Sparbuch" is a certificate. Either as the book you know or a "lose Blattsammlung". But always printed. As it is a certificate itself.

https://www.gesetze-im-internet.de/kredwg/__1.html

 

[Alanin]

u know what '...papier' and '...buch' means?! its not a '...e-paper' or '...ebook'... when you go there and want a 'Sparbuch' you get a ****ing 'Sparbuch'. surprise: when you go to a local book-seller you will get a ****ing book, made of paper - no email with an ebook attached...

when you want an electronical product - go to your bank and order it

 

[4254126]

Strange, I’m able to open new accounts, change details etc. all in the regular SPK Online Banking. Only recently I opened a Sparbuch online and got an IBAN and reference transfer set up immediately. It’s called “Sparbuch digital”, my Sparkasse doesn’t even offer old fashioned Sparbücher anymore.

Compared to some other online banking solutions I’ve dealt with (I’m looking at you HSBC!), the Sparkasse one is really quite decent. Not everything is bad ;-)

Concerning Apple Pay the last chance is WWDC, although it made no sense to announce some countries now and then announce more countries at WWDC. As I’ve stated before - thanks to information from the source, a manager from S-Payment - Apple Pay most certainly won’t be launching with the Sparkassen and probably won’t be for years to come. That’s just a sad fact that’s becoming more and more clear now.

 

[docfred]

Are your sure it is called „Sparbuch digital“?At least some time ago, it was forbidden to call products this way because of the regulations.

But I have the same experiences in the online banking solutions too. Very much functions on the website at local Sparkasse too.

 

[therealtibu]

Strange, I’m able to open new accounts, change details etc. all in the regular SPK Online Banking. Only recently I opened a Sparbuch online and got an IBAN and reference transfer set up immediately. It’s called “Sparbuch digital”, my Sparkasse doesn’t even offer old fashioned Sparbücher anymore.

Compared to some other online banking solutions I’ve dealt with (I’m looking at you HSBC!), the Sparkasse one is really quite decent. Not everything is bad ;-)

See, it is possible.

Im not into the law but there you see it is possible. They are seprated banks. Not every is the same.

Let them do their own solutions. The thread is called "AP in Germany" not "Sparkasse is no supporting AP".

Lets look forward there are plenty banks on the market

 

[Alanin]

We do have to discuss Sparkasse here cause its said that the Sparkasse is the reason we do not have AP...

 

[aplh23]

I wouldnt say its sparkasse fault i think german Banks simply follow another Strategy and since android have like 80% Users in Germany they just say - The other 20% can just Pay contactless with theyr Card.

 

[Schwabe85]

I wouldnt say its sparkasse fault i think german Banks simply follow another Strategy and since android have like 80% Users in Germany they just say - The other 20% can just Pay contactless with theyr Card.

If the banks think so, why doesn't Apple just use N26, Boon etc. in Germany?

 

[MLVC]

If the banks think so, why doesn't Apple just use N26, Boon etc. in Germany?

See, that's the part I don't understand. I get that the main banks in Germany/Holland etc. might be the main culprits why we don't have ApplePay here, but Bunq e.g. showed they are willing (and able). Why doesn't Apple start with those, to break the market open? In Holland we have something called the "Dutch Banking Association", I'm now kinda suspecting they're the main reason behind it. As there simply is NO bank.

 

[Tobsen]

… and Apple tolerates the Boon and Bunq hack. Also Sparkasse has nothing to do with Benelux and Austria.

 

[aplh23]

See, that's the part I don't understand. I get that the main banks in Germany/Holland etc. might be the main culprits why we don't have ApplePay here, but Bunq e.g. showed they are willing (and able). Why doesn't Apple start with those, to break the market open? In Holland we have something called the "Dutch Banking Association", I'm now kinda suspecting they're the main reason behind it. As there simply is NO bank.

Well i think 99% of customers wouldnt change their Bank only for Apple Pay - myself included! So for the Most Users it would be just Frustrating. How much customers do n26 have in germany ? Lets say its one million! 20% use Apple so 200.000 - Maybe 10% of Them would use Apple Pay so Apple Should Start with 20.000 customers ? If i were Apple, i wouldnt Even think about it.

 

[MLVC]

Well i think 99% of customers wouldnt change their Bank only for Apple Pay - myself included! So for the Most Users it would be just Frustrating. How much customers do n26 have in germany ? Lets say its one million! 20% use Apple so 200.000 - Maybe 10% of Them would use Apple Pay so Apple Should Start with 20.000 customers ? If i were Apple, i wouldnt Even think about it.

The frustration would be aimed at their own bank, not Apple.

 

[-Maxim-]

So many tourist cant understand whats going on if they want to pay with creditcard

This I find particularly annoying. Recently my wife's aunt came to visit us in Hamburg and we went to get dinner. She wanted to treat us and pay with credit card. "Sorry, only cash and EC-card". So I went to the nearest ATM to get cash for her with my card since her fees for getting foreign currency at an ATM were high.
Quite embarrassing for her and also for me as a citizen of this "developed country" (fremdschämen...).

 

[SenileBooster]

… and Apple tolerates the Boon and Bunq hack. Also Sparkasse has nothing to do with Benelux and Austria.

There is no such thing as a boon. hack.
The simple fact is that boon. issues its customers a virtuelle Mastercard from a country were ApplePay is supported and boon. has an branch aka App in that AppStore. You don’t have to go crazy and make up a false shipping info or something like that. That’s part of EC law. As a citizen of one EC member you are eligible to open a bank account in every EC country you see fit but you have to find a bank that offers an account and supports ApplePay. That’s all.
For instance KBC Irland does that. Besides boon. I do have a current account with KBC. It is a full fledge account with a physical debit MasterCard and all. The best part about KBC...they support ApplePay as well as GoogelPay.

Bunq...AFAIK Apple did not support nor tolerate that workaround and it doesn’t work any longer, does it?

 

[Tobsen]

There is no such thing as a boon. hack.
The simple fact is that boon. issues its customers a virtuelle Mastercard from a country were ApplePay is supported and boon. has an branch aka App in that AppStore. You don’t have to go crazy and make up a false shipping info or something like that. That’s part of EC law. As a citizen of one EC member you are eligible to open a bank account in every EC country you see fit but you have to find a bank that offers an account and supports ApplePay. That’s all.

But then I would not get an German IBAN for this card

 

[MLVC]

There is no such thing as a boon. hack.
The simple fact is that boon. issues its customers a virtuelle Mastercard from a country were ApplePay is supported and boon. has an branch aka App in that AppStore. You don’t have to go crazy and make up a false shipping info or something like that. That’s part of EC law. As a citizen of one EC member you are eligible to open a bank account in every EC country you see fit but you have to find a bank that offers an account and supports ApplePay. That’s all.
For instance KBC Irland does that. Besides boon. I do have a current account with KBC. It is a full fledge account with a physical debit MasterCard and all. The best part about KBC...they support ApplePay as well as GoogelPay.

Bunq...AFAIK Apple did not support nor tolerate that workaround and it doesn’t work any longer, does it?

You can’t use the workaround anymore to set it up, but the ones that have set it up on time, those still work.

 

[SenileBooster]

But then I would not get an German IBAN for this card

Boon. is just a virtual MasterCard. Nothing more and nothing less. There is no IBAN at all.
I guess you think of the IBAN you have to use to top up the card, do you not?
That is not a classic IBAN because you do not have a bank account with boon. It is only so called eMoney. You can receive money but not send it or make direct debits etc. And this particular IBAN is a DE one because boon. is operated by wirecard and that is a German bank.

Btw if you use fake data to open a boon. account you will not be able to upgrade because they will want you to send your ID and a prove of adress.

 

[RobaxMan]

This I find particularly annoying. Recently my wife's aunt came to visit us in Hamburg and we went to get dinner. She wanted to treat us and pay with credit card. "Sorry, only cash and EC-card". So I went to the nearest ATM to get cash for her with my card since her fees for getting foreign currency at an ATM were high.
Quite embarrassing for her and also for me as a citizen of this "developed country" (fremdschämen...).

Although it has changed considerably over the past couple of years, you used to have to carry a large amount of Euro in Berlin for that very reason.

NOW, some Berlin merchants just annoy me by setting a minimum charge before being able to use a credit card.