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Paying with a bank card

Information about Bundes-Bank.
In easy-to-read format.

Man shopping at a kiosk (© Reinhild Kassing) [+]

You often pay with banknotes or coins.
At the news stand, for example.

Bank card (© Reinhild Kassing) [+]

But sometimes you pay with a bank card.
Then you don’t use coins or banknotes.

At the till in a shop, for example.

Person standing at the till (© Reinhild Kassing) [+]

It works like this:

You want to buy something.
Shoes, for example.

You take the shoes to the till.

Amount displayed in large figures at the till (© Reinhild Kassing) [+]

The sales assistant enters the price.

Card reader (© Reinhild Kassing) [+]

You type in the PIN number for your bank card.
Your PIN number is secret.

Person collecting a bank statement from the cash machine (© Reinhild Kassing) [+]

Your bank takes the money for the shoes out of your account.

You see this later in your bank statement.

Close-up of bank statement (© Reinhild Kassing) [+]

That means you have less money in your account.

The exchange between the banks (© Reinhild Kassing) [+]

Your bank gives the money to the shoe shop’s bank.

The shoe shop’s bank then gives the money to the shoe shop.

Shop owner with statement (© Reinhild Kassing) [+]

The shoe shop now has this money in its account.

The person who receives the money is called the recipient.

In this case, it is the owner of the shoe shop.

Potential payment recipients (© Reinhild Kassing) [+]

But it can also be another person.

A person who you pay money to.
A gardener, for example. Or a petrol pump attendant.

Online banking (© Reinhild Kassing) [+]

You can also exchange money on the internet without using banknotes and coins.

For example, if you buy shoes online.

Exchanging money without using banknotes or coins is called a cashless payment.

Bank building with Bundesbank sign (© Reinhild Kassing) [+]

In Germany, the Bundesbank takes care of cashless payments.

Map of Germany (© Reinhild Kassing) [+]

The Bundesbank supervises cashless payments in Germany.

Map with arrows from Germany to other countries (© Reinhild Kassing) [+]

And the Bundesbank arranges payments to other countries.

To Italy, for example.

Or to France.

Map (© Reinhild Kassing) [+]

A payment from Germany to a country very far away usually takes a little longer. For example, to Brazil or to Australia.

Illustrations: © Reinhild Kassing