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Where does the cash in your wallet come from? An empirical study of the cash withdrawal behaviour of the German population at ATMs and bank counters in Germany
351 KB, PDF
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.
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Heterogeneity in money holdings across euro area countries: the role of housing Discussion paper 04/2010: Ralph Setzer, Paul van den Noord, Guntram B. Wolff
524 KB, PDF
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Choosing and using payment instruments: evidence from German microdata Discussion paper 36/2009: Ulf von Kalckreuth, Tobias Schmidt, Helmut Stix
383 KB, PDF
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Coin migration within the euro area Discussion paper 27/2009: Franz Seitz, Dietrich Stoyan, Karl-Heinz Tödter
276 KB, PDF
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Payment behaviour in Germany in 2008 An empirical study of the utilisation of cash and cashless payment instruments
Cash continues to be consumers’ preferred payment method. Nonetheless, the turnover share of cash transactions in the German retail trade has been slowly but continually falling for years.
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Die Geschichte des Euro Ein Überblick über die Entstehung der Euro-Banknoten und -Münzen
5 MB, PDF
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Study on currency requirements in Germany Summary
In 2002 the Federal Ministry of Finance asked the Deutsche Bundesbank to present a study on currency requirements in Germany. This study is intended to contain a macroeconomic analysis of the quantitative development of cash, as well as qualitative aspects which could influence currency requirements.