[lucb1e]

> But what will happen if all the brick and mortar close ?

Hello, it's me from the future, reporting live from Germany. My bank is online only and to talk to a person, I need to call the hotline and wait (I shit you not) 20~25 minutes for the PIN input prompt to repeat itself once too many times and time out, handing me off to a very confused human who is wondering how I'm speaking to them unauthenticated (they're very suspicious and will not answer most questions; it's a pretty useless party trick). Alternatively, you can have the answering machine send you an authentication code by snail mail which you can then use once in the next few days to call them one time

I put up with it because the other bank account I applied for rejected me for not being creditworthy (never had a debt in my life, but also no loan, so there is no credit data and apparently that's suspicious; on the other hand, students get accounts there with no problem, so maybe it's a combination of no credit data and age? Or not having citizenship? They're not saying of course, I can only assume it's an illegal reason because why else not say it). The other bank card I own from a neighboring country isn't accepted in most supermarkets, I'd need to bring cash into the country or pay extra for using an ATM abroad. Single European Market is really lovely, you should try it