German Banking System

[Steppenwolf]

I believe it was even mentioned in the links about german quirks that i sent you that the german bank system is a pain in the ass

It still is efficient tho. For the banks to make money... They make shitloads on silly fees which they spent on nice and big ass branches. So at least when you go to a bank there are people you can talk to and its a comfy environment. Here in sweden the banks branches are like the most sterile and boring places. Feels like visiting the work agency begging for welfare money. You even have to take a number and wait...

And kick every bank worker who doesn't speak english in the butt from me. They are full of shit. Of course they speak english. You need very good school grades to get a job at a bank. I guess they are just super shy about speaking another language. Probably feel humiliation when they speak with a thick german accent to a native english speaker

[2d-chris]

You should hear me speaking in a thick German accent! I get more looks than speaking in a thick English one lol

[dux]

Chris you're from south. There's no such thing as a thick accent down there. Just thick people.

[VoodooBenshee]

Germany is the most efficient place on the planet. If it's difficult there it means it's secure. Aha!

[Sindwiller]

Germany is the most efficient place on the planet. If it's difficult there it means it's secure. Aha!

Warum einfach wenns auch kompliziert gehen kann?

[Warby]

don't know about the uk but the german banking system is a dream compared to what i experienced in the us ... wire transfers cost a fee of 50 dollars ? seriously even if i want to buy something on ebay ? if you don't like that shit there is of cause money orders to pay for your ebay shit ... which i buy at the post office ( at -1456 degree in january) for cash money and they send to some dude physically who can than redeem it for cash again. ... urgh ...

[raver]

The dutch banking system is the best system I ever experienced. In the 13 countrys ive been holland is still the n1 spot on the list.

[Steppenwolf]

don't know about the uk but the german banking system is a dream compared to what i experienced in the us ... wire transfers cost a fee of 50 dollars ? seriously even if i want to buy something on ebay ? if you don't like that shit there is of cause money orders to pay for your ebay shit ... which i buy at the post office ( at -1456 degree in january) for cash money and they send to some dude physically who can than redeem it for cash again. ... urgh ...

Don't they still use cheques and oldschool stuff like that in the US?

About the swedish system: i think it's super convenient but not very safe (like a lot of things in sweden lol). My bank card also is a visa card (technically), except when i buy something its not on credit its what i actualy got on my account. But it's cool for online shopping etc. I can understand Chris' pain with the german system. Back when i lived in germany i used a pre-paid visa card for online shopping or a paypal account. In both cases i first had to transfer money from my bank account to the visa account or the paypal account. And because most of us germans are scared of online banking i actualy went to the bank personaly to do this.

Here in sweden everything is different tho. Online banking is the norm. You only go to the bank personaly if something is very important not for the usual stuff. I only was there twice when i opened the account and when i got my bank card.

[kleinluka]

I use online banking for everything.

I'm using MasterCard as credit card... I have a credit limit of dollars... So basically I can buy whatever I want up to a certain amount and at the end of the month I get a bill for my credit card which I can pay whenever I want, (with interest of course)... It's pretty cool.

[KoKo5oVaR]

How much interests do you have to pay ? sounds like something i could use

[kleinluka]

like 18%

[robert.briscoe]

About the swedish system: i think it's super convenient but not very safe (like a lot of things in sweden lol). My bank card also is a visa card (technically), except when i buy something its not on credit its what i actualy got on my account. But it's cool for online shopping etc. I can understand Chris' pain with the german system. Back when i lived in germany i used a pre-paid visa card for online shopping or a paypal account. In both cases i first had to transfer money from my bank account to the visa account or the paypal account. And because most of us germans are scared of online banking i actualy went to the bank personaly to do this.

Here in sweden everything is different tho. Online banking is the norm. You only go to the bank personaly if something is very important not for the usual stuff. I only was there twice when i opened the account and when i got my bank card.

I was shocked at the lack of secuity when I started to use my debit card in the land of swede. I've never seen anyone ONCE, check the signature on the back of the card with the reciept, and as they dont have chip and pin hardly anywhere here i was thinking someone could have xmas early if they ever managed to steal my card.

[dux]

I've still got £400 to pay off on my mastercard

[kleinluka]

Steppe, thats a problem pretty much everywhere in the world. Nobody checks signature. But if you ever lose your card it's your own fault that you lose money if you don't immediately report it.

[Ginger Lord]

I've never seen anyone ONCE, check the signature on the back of the card with the reciept, and as they dont have chip and pin hardly anywhere here i was thinking someone could have xmas early if they ever managed to steal my card.

Now that Chip and Pin is the standard here in the UK the signature checking is all but gone now. Hell my card doesnt even have a legible signature on it, cant find a pen that writes decently on it rather than rubbing off. Probably should do that soon, but then again its been fine for 3 years