Apple Pay Goes Live for Sparkasse and Commerzbank Customers in Germany

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Original poster
Apr 12, 2001
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Apple Pay came to two additional big banks in Germany today, bringing the digital payment platform to millions more people in the country just over a year since it launched there.


As of this morning, customers of both Sparkasse and Commerzbank can add their Visa and Mastercard credit cards to the Wallet app. The Sparkassen-Karte Basis debit card is also compatible, but support for the Sparkasse giro card is coming later, sometime in 2020.

Apple's mobile payment system allows users to make contactless payments for goods and services in retail stores using their iPhone or Apple Watch.

Apple Pay made its long-awaited debut in Germany back in December 2018 with multiple partners immediately jumping on board, but support from Sparkasse and Commerzebank was conspicuously absent on rollout day. The two banks previously said in June 2019 that Apple Pay support was coming later in the year.


Apple CEO Tim Cook said in March that Apple Pay would be available in more than 40 countries and regions by the end of 2019. Apple Pay first launched in the United States in October 2014. You can view the full list of Apple Pay countries and regions on Apple's website.

(Via Macerkopf.de)

Article Link: Apple Pay Goes Live for Sparkasse and Commerzbank Customers in Germany
 
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Jandalf

macrumors newbie
Oct 27, 2016
24
23
Nice. I use Apple Pay since it’s available and really like it!
Although it annoys to be asked everytime wether I have a VISA or MasterCard? Anyone else experiencing this inconvenience?
 

Jandalf

macrumors newbie
Oct 27, 2016
24
23
It's useless anyway since you can't even pay by card in most stores in Germany. They are still living in 1990.
Not true -anymore- from my POV. I‘m close to leaving my wallet at home and only take my phone.... but that’s for Berlin, rural areas may differ...
But you’re right that we still always drag behind... happy that most Apple releases make it in Germany at the same time as in the US by now...
 

chfilm

macrumors 68030
Nov 15, 2012
2,795
1,569
Berlin
It's useless anyway since you can't even pay by card in most stores in Germany. They are still living in 1990.
Also have to disagree, it's getting better - but what's really annoying that especially smaller gastronomy places / hipster cafés and certain restaurants simply refuse to accept cards. Probably money laundering going on, I have no other explanation for it really.
 

RickDEGH

macrumors member
Sep 15, 2018
86
85
Germany
It's useless anyway since you can't even pay by card in most stores in Germany. They are still living in 1990.
Most stores? Come on, man! I live in small city of about 75,000 inhabitants and I use Apple Pay (not even talking of the popular girocard) for most shops and things I buy, except at some Bäckerei, Döner joints, some restaurants and small shops. The situation could be better, but it is not as bleak as you make it seem.
 

itsmilo

macrumors 68030
Sep 15, 2016
2,764
5,702
Europe
It's useless anyway since you can't even pay by card in most stores in Germany. They are still living in 1990.
Not that true anymore. The only troubles I am having is with acceptance under a certain limit at restaurants or something like a bakery.

Any retail store or supermarket nowadays accepts credit cards and whatnot
 
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FischerPlötz

macrumors newbie
Dec 20, 2016
3
3
It's useless anyway since you can't even pay by card in most stores in Germany. They are still living in 1990.
“EC” works almost everywhere. Maybe you’re still living in 1990. Kidding aside and certainly no offense, I have a much different experience here in Germany and use my Apple Pay with my Deutsche Bank. Just never thought Sparkasse would go this route.
 

nicho

macrumors 68030
Feb 15, 2008
2,904
1,421
@chfilm I have an explanation: costs. I had no explanation until yesterday. Ask our friends, who have shops or checkout the costs at SumUP.
A middle-ground explanation would be taxation. I dunno about the German tax system, but in the UK this was definitely a factor behind certain types of restaurants being very slow on the uptake of card payments compared to other businesses. Much easier to turn a profit when you're paying your workers cash in hand on income that you don't declare or pay tax on.
 
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mdellepi

macrumors regular
Jun 15, 2015
139
163
Germany
It's useless anyway since you can't even pay by card in most stores in Germany. They are still living in 1990.
As others wrote, the situation is much better nowadays. All supermarket chains support Apple Pay. All big shops I've visited in the last year do. I even use Apple Pay to buy tickets on the tram. Some small shops and most restaurants are the only exception so far (but they anyway accept EC).
 

dankedieter

macrumors member
Mar 29, 2009
36
5
Munich, Germany
As an American living in Germany, I've gotten used to most places not accepting cards. Not the end of the world. Don't really like having the credit card companies knowing every purchase I make anyways.
 

Janschi

macrumors member
Jul 31, 2013
66
51
@chfilm I have an explanation: costs. I had no explanation until yesterday. Ask our friends, who have shops or checkout the costs at SumUP.
this is wrong. Handling Cash is more expensive than accepting card. The owners of the shops are just to dumb to realize that.
 

iPhysicist

macrumors 65816
Nov 9, 2009
1,330
968
Dresden
Most stores? Come on, man! I live in small city of about 75,000 inhabitants and I use Apple Pay (not even talking of the popular girocard) for most shops and things I buy, except at some Bäckerei, Döner joints, some restaurants and small shops. The situation could be better, but it is not as bleak as you make it seem.
Bakeries will even grunge at Bank notes. They love hard coins.
 
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whyamihere

macrumors 6502
Jun 30, 2008
434
613
'nati
I can't believe it's been in Germany for a year already. Seems just like yesterday every new country to launch Apple Pay was met with the mandatory "but what about Germany" posts.:)