Where did you get that info?
By the way, I can't upload any money to my Boon account at the moment.
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Apple Pay Could Launch in Germany as Early as Next Month
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By the way, I can't upload any money to my Boon account at the moment.
Hmm. This statement says nothing at all. Several banks have this "we are working on it on full speed" message since years. From N26 to Sparkassen Giroverband and a lot of other private banks.
So, we still play "wir warten auf's Christkind"
Some more Spekulatius:
If i.e. the DKB gets
Pay from the beginning, are all Sparkassen with them or is it up to the single Sparkassen institution to support Apple Pay? DKB belongs to the Bayerische Landesbank which is the head of every bavarian Sparkasse and is (afaik!) part of the Sparkassen giro-system (financial transactions) and IT-Network.I put some money on my boon account earlier today from my N26 account. There wasn't a problem then
N26 replied this to me.
Hmm. This statement says nothing at all. Several banks have this "we are working on it on full speed" message since years. From N26 to Sparkassen Giroverband and a lot of other private banks.
So, we still play "wir warten auf's Christkind"
Some more Spekulatius:
If i.e. the DKB gets
Yeah its like the Christkind except I havent got a real we are actually working on full speed or something similar or anything from any bank (not even N26 when I asked them last year, there it was just a much looser statement) Take it for what you want
I think Sparkasse wont go with Apple Pay, everything everyone gets from Sparkasse is a clear no. Just the DKB Keynote from last year with the german screenshots are things everyone clings to and they say "if enough people request it, we will implement it" and this is the thing DKB says today in contrast to N26 which isnt in any relation to Sparkasse Verband AFAIK.
If Apple won't get the Sparkassen (and the Genossenschaftsbanken) to support Apple Pay, they can already kill their system in germany. Over 50% of all private bank accounts are at Sparkassen (afaik). And Apples iPhones only have about 15% market share. Added together, without these two big groups, there won't be any meaningful amount of potential customers for Apple to earn money with.
btw: since the start of Apple Pay in the US, the head organisation of all Sparkassen said, that they are highly interessted in supporting Apple Pay in their cards- and IT-strategy.
--> http://www.faz.net/aktuell/finanzen...ressiert-an-iphone-bezahldienst-13217580.html for example
The only "clear no" you get is, when you ask your local financial advisor, if they will support Apple Pay in the near future. And "no" is the only thing he can tell you, because he has no other information. It's the more honest answer compared to the meaningless "yes, we are working on it" from N26 IMHO
btw: since the start of Apple Pay in the US, the head organisation of all Sparkassen said, that they are highly interessted in supporting Apple Pay in their cards- and IT-strategy.
--> http://www.faz.net/aktuell/finanzen...ressiert-an-iphone-bezahldienst-13217580.html for example
The only "clear no" you get is, when you ask your local financial advisor, if they will support Apple Pay in the near future. And "no" is the only thing he can tell you, because he has no other information. It's the more honest answer compared to the meaningless "yes, we are working on it" from N26 IMHO
If Apple won't get the Sparkassen (and the Genossenschaftsbanken) to support Apple Pay, they can already kill their system in germany. Over 50% of all private bank accounts are at Sparkassen (afaik). And Apples iPhones only have about 15% market share. Added together, without these two big groups, there won't be any meaningful amount of potential customers for Apple to earn money with.
btw: since the start of Apple Pay in the US, the head organisation of all Sparkassen said, that they are highly interessted in supporting Apple Pay in their cards- and IT-strategy.
--> http://www.faz.net/aktuell/finanzen...ressiert-an-iphone-bezahldienst-13217580.html for example
The only "clear no" you get is, when you ask your local financial advisor, if they will support Apple Pay in the near future. And "no" is the only thing he can tell you, because he has no other information. It's the more honest answer compared to the meaningless "yes, we are working on it" from N26 IMHO
Didnt read that - Thank you
Thats nice to know they said this. Maybe I just want to trust the modern Fin-Tech more and was burned too many times with Sparkasse.. Whatever it is I take it with or without Sparkasse! About the market share of Sparkasse. Yes most of them have Sparkasse but realisticly years after the announcement its more about Apple needs to get into Germany less with all banks, more with a couple banks. Realisticly the few people who actually care about Apple Pay and will use it are not that many. Some are willing to switch banks (Apple and Sparkasse and every other bank knows this) or will make a second account somewhere if its really important to you. Apple needs to get its toes in here not with the max earning potential for Apple Pay (it will come with a few banks or all of them) Apple Pay has the support of accepting it almost everywhere.
I dont get this argument for you cannot pay with credit cards in Germany. Where cant you? Yes bakeries, kebap spots and clubs. Okay Deutsche Bahn Automaten can only take credit without NFC, but you can pay with credit card. Even the small super market at the corner takes credit, even though with min. 15€. And with the rise of SumUp and iZettle its just time when those spots take a reader and pay 60€ for it and take the 2-3% loss. Even delivery services in small cities which give you the option to bypass Lieferheld/Pizza.de and to pay at the door have a mobile card reader now. This suprised me!
Most people dont even pay with their NFC (EC) cards yet which most of them got beginning 2017, when REWE and every other supermarket updated to NFC Terminals which all could take NFC cards (even the logo was on them) but the cashiers where aggressive to you if you wanted it to "just put in on there" and dont stick it in (
) because they didnt know and they didnt get a message/training to know this. This happened to me a couple times in different places/cities.The return wont be for Apple every Sparkassen card holder will use Apple Pay if someone has an iPhone. Most wont, most girls (!) with iPhones know something about paying with their phones but not a lot of them know even what Apple Pay is. Its about to get the feature started.
And with the girls there are a lot of iPhones.
Just think the younger generation. If you have a normal region "locked" Sparkasse/Volksbank account you cant even put cash in your account in another region. This may be only 20-30km but you are out of luck. Want to do anything at the local bank? Well they cant help you. You study/work not "at your hometown/where your account is which you had forever" - no support for you. And I dont mean state/Bundesland just region.
There you get automatically bank-switching people or people willing to do this which wont think about switching their bank normally.
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Well, if you have your bank account at an "online bank" like N26 (or DKB or ...) you can't deposit any cash at all So that's no good point
And in the case of N26 you can only withdraw cash 5 times a month without charge... I can't believe there's still so much hype arount this pseudo-bank with its avarage app.
So that's no good point And in the case of N26 you can only withdraw cash 5 times a month without charge... I can't believe there's still so much hype arount this pseudo-bank with its avarage app.
Well, if you have your bank account at an "online bank" like N26 (or DKB or ...) you can't deposit any cash at all
And in the case of N26 you can only withdraw cash 5 times a month without charge... I can't believe there's still so much hype arount this pseudo-bank with its avarage app.
You actually can, and better than with the big banks. Yes with restrictions - only at Supermarkets etc/fees but you can actually do it - everywhere.
5 times cash at "automaten". No limits on supermarket withdrawls. And 5 can be enough, you are more likely do get some cash then when you go to REWE. You can do more than 5 at ATMs, with I think 2€ fees.
I dont like that I sound like a N26 representative, but its actually a nice solution what they do.
Well they make good marketing/ a good designed TV spot and bring a solution to a problem I see everyday. It looks like it works for them too. Is it perfect? No. But what in the tech world is.
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I think that it is not possible to start Apple Pay in germany with all major financial institutions. I think for start Deutsche Bank, Commerzbank, Comdirect, N26 and 1,2 major regional sparkasse is enough. The remaining will start to support during the year
About the charge after 5 times cash withdrawls. Just look at Sparkasse. There are a lot of them which charge after the 5. withdrawl.
Just googeled this again:
https://www.stern.de/wirtschaft/gel...sen-nehmen-geldautomat-gebuehren-7393216.html
Its not every Sparkasse, but its not like those will be free forever.
Just googeled this again:
https://www.stern.de/wirtschaft/gel...sen-nehmen-geldautomat-gebuehren-7393216.html
Its not every Sparkasse, but its not like those will be free forever.
Hey and lets see it like that: for the monthly fee that most local banks charge you can easily withdraw money whereever you want without loosing money.
Its rediculous what some banks want monthly.
And to say for deposit of cash. There are enough ways with a second local account or even there: Just deposit the money at any bank and take the charge. For 5€*12 what usually a Sparkasse charges monthly, you can easily accept upt to 60 € as deposit charges a year.
Its rediculous what some banks want monthly.
And to say for deposit of cash. There are enough ways with a second local account or even there: Just deposit the money at any bank and take the charge. For 5€*12 what usually a Sparkasse charges monthly, you can easily accept upt to 60 € as deposit charges a year.
Just to remind you guys. Sunny said that
I'm just a bit skeptical about the "will begin to pop up" part as I think the people where it did pop up, changed their regions before. We'll see.
Why would Apple Pay pop up on my device, when it isn't ready to start? That makes absolutely no sense, in my opinion.Just to remind you guys. Sunny said that
Don´t ask me. That´s what sunny2k1 told me and what a German Twitter-User experienced.
I experienced the same too. Since december Apple Pay is an option under settings as well as it shows up in the wallet app. I didn´t changed anything in terms of the country settings.
Hmm. I can withdraw money without charge at over 24.000 ATMs and at ReWe & Co.
N26 is a plain old "direct bank" with it's flaws and goods. They have no local branches, don't have to finance a network of ATMs, have only a few employees (200 at the moment) ... so they don't have no costs to cover. And they have good marketing and an ongoing hype around them. But I don't see any advantage they have over other direct/online banks or local based banks.
But let's quit the pro/contra discussion about N26. It's a Apple Pay thread
There is no Apple Pay coming in Germany in the near future. I don’t have a source but I can think logically.
All of us talking only about Germany, the other question is, why were the Netherlands, Austria and Poland also not announced?!
But why are you in an Apple Pay Speculation discussion then, if you don't think Apple Pay will start any time soon?
What?! Hello Apple! I want this! This would be a first step at least.
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Absolutely no source? Ok. I´ll continue to trust sunny2k1 until March is over.