[germanier]

I pay cash at the bakery, to get a coffee, to load my canteen card at work, and to buy bus tickets in small cities at the driver, that's it. Buying used cars is usually done by cash (even 10k and more). Almost everywhere else you can pay with a German debit card (Girocard).

But credit Cards are coming fast to Germany. Since a few weeks even the cheapest supermarkets, including Aldi, started to accept MasterCard and Visa.

[j_jochem]

>The problem with credit cards in Germany is that they don't use 2FA. It's the same old signature system. Even online transactions don't require 2FA.

This is not generally true. My credit cards use PIN when the terminal supports it and only fall back to signature when used with older terminals.

I've never heard of online transactions with 1FA auth, most banks use a combination of user login and challenge-response TAN lists or mobile TANs. Special hardware devices that require you to insert your debit card, enter a PIN and have the device read a code directly from the computer monitor using photo diodes are quite common, too.

[denzil_correa]

The problem with credit cards in Germany is that they don't use 2FA. It's the same old signature system. Even online transactions don't require 2FA.

[germanier]

It depends on where you get it. Some banks (most notoriously almost all Sparkasse) only give out chip+signature cards. But chip+PIN cards are common as well, just like "Verified by Visa" and such systems.

[denzil_correa]

> Some banks (most notoriously almost all Sparkasse)

Coincidentally, I have a Sparkasse credit card without chip+pin. Regardless, there shouldn't be a choice for 2FA.

[mafribe]

That really depends on the specific bank. I've got a debit card from a Sparkasse with Chip+PIN and 2FA for online transaction for quite a few years.

[denzil_correa]

The discussion was on "credit" not "debit" card. The "debit" card for Sparkasse does have 2FA but the TAN based 2FA is atrocious. You need to carry a separate device, match diodes to your screen code OR insert at least 4 sets of numbers before you get your 2FA code. Yes, I know you could use SMS but it isn't the best idea particularly if you are traveling.

Finally, is the EC Maestro card from Sparkaasse really a debit card? A lot of online merchants would not accept it.

[onli]

Thanks for correcting, not being there too often currently things like credit cards arriving there I miss. That was unthinkable three years ago.

[germanier]

I was surprised, too. Remember that they introduced cashless payments just ten years ago.

I think it has much to do with the EU capping interbank fees.

[mafribe]

I think the real reason is that Germany had working debit cards for a very long time already, there was simply no need for credit cards. Every bank and store was accepting every banks's debit card. Since the big international credit card companies cream of a couple of percent when you pay with a credit card, but German debit cards don't, retail was really reluctant for a long time to accept credit cards.