The Bundesbank study on payment behaviour in Germany, which was published in 2009, showed that cash continues to be an extremely popular method of payment and that no significant changes in payment behaviour in Germany are expected in the short to medium term. There are essentially two ways of withdrawing that most important of payment instruments "cash" – namely from bank counters or from ATMs. This paper analyses the withdrawal behaviour of Germans based on place, amount and frequencies of withdrawal.

The following “Special terms and conditions” contain the legal requirements for internet-based participation in TARGET2-Bundesbank. Due to the Eurosystem’s attempt to standardise the legal requirements for participation in TARGET2 as far as possible (see section above), this document was prepared on the basis of the “Supplemental and modified harmonised conditions for the opening and operation of a PM account in TARGET2 using internet-based access”, which were adopted within the framework of the TARGET2 Guideline. Beside the necessary editorial changes, solely a minimal amount of provisions which were not relevant to TARGET2-Bundesbank were deleted.