@sunny2k1: I want to believe you, but I've heard so many rumours about Apple Pay in Germany, that I'll believe it when its on my phone... What will be interesting is the Earnings Call next week (1st Feb). They should say something about Apple Pay then. Honestly: If Apple does decide to leave it towards the end of the year I fear they'll just leave it too late. 2018 is the year for mobile payments in Germany (all major banks have announced that they're launching wallet apps etc. this year). My hope is also that their PR usually states "pay with your smartphone"... they don't write Android and leave that open to our interpretation. On a side note: Is it possible to set up my Girocard / Mastercard with the Sparkasse and my cards from my bank account in the UK? Would be great, as on family visits I could easily just switch to my UK accounts or does Apple forbid a mixture of cards from different countries?