@hisold @leyrer EXAKT DAS!

Außerdem ist #Lastschrift auf #girocard mit #Ausfallgarantie wenn Chip+PIN oder NFC+PIN, d.h. Händler bekommt immer sein Geld!

@dideldum @leachimus ganz einfach:

• Weil keiner ne schlechtere #girocard / #maestro / #ec - Kopie mehr braucht! Hatten wir schon, nannte sich #GeldKarte!

Entweder muss nen Zahlungssystem sowohl in-Person als auch online funktionieren oder es wird in beiden Märkten gekilled.

• Außerdem nutze ich aus Prinzip keine #Banking-#Apps weil die NACHWEISLICH ALLE SHICE SIND!

@alda yeah, #girocard is the big one being used, as it promised banks, payment providers and business cheaper fees.

• Add to that the cancellation of #Maestro by most German banks and it gets further inconvenienced...

@alda OFC said Credit Card systems are in fact built up of a.lot of vanue-removing middlemen between the issuer and the main payment systems provider, including regional and national sublicensees...

• I mean, there are some national-only "comeptitiors" like #girocard but they completely fall on their face when it comes to #OnlinePayment.

And whilst #SEPA #WireTransfer is available on almost all domestic [#EU]-wide shops, #InstantSEPA (wthin 1 hour) is not always available and it can take up to 3 bank days to get transfers finalized at the recieving end.

Auch #Banken, #Reisen und #Industrie sind betroffen. Wer Alternativen sucht:

US-Firmen: #PayPal, #Visa, #Mastercard, #JPMorgan, #BlackRock, #GoldmanSachs, #Citibank, #Booking, #Hilton, #Marriott, #Hertz, #3M, #BlackDecker, #DeWalt, #Caterpillar, #Goodyear, #Chevron, #ExxonMobil.

Europäische Alternativen: #Girocard, #Revolut, #N26, #MilesAndMore, #Europcar, #Sixt, #Bosch. #Boykott

@unseenjapan I think #pasmo and #Suica (as well as other #FeliCa-based systems like #Octopus) are really super convenient in terms of Pre-#NFC #RFIC-based #cashless #payment systems, to the point that #vPay, #PayPass and #girocard (as well as the flopped #GeldKarte) are just bad imitations of those!

@bojkotiMalbona @energisch_ @mina @Nickiquote If it was my decision, #Germany would not have signed up on #FATCA bs.

• Sadly I'm not in position to #RepealFATCA and restore #privacy as well as outlaw #discrimination.

That being said I've not found any #Bank in Germany that rejects #US #citizens (as basically everyone who is a resident regardless of legal status (i.e. seeking asylum, on tourist visa, permanent resident) or even legal address (i.e. even homeless people can get a bank account) as clients per-se since #Banking is regulated as a #utility and every #ConsumerBank must offer "basic accounts".

• The only problem may be that almost all will #KYC their clients in person and with #cooperative-owned #CreditUnions they'll OFC demand a minimum buy-in of shares (usually around €50-100).

Granted a #BankAccount in Germany is kinda essential and without it one can neither get paid (all employers will wire money using #SEPA, paying wages in #cash isn't even legal in most cases) nor can one make rent, pay utilities and insurance bills (even the most slimy landlords don't want cash!)...

• Same goes for #CashlessPayments: #girocard is the standard supported by every #BankingCard, as #CreditCards are virtually nonexistant (outside of very rich peoples' pockets and business peoples' / freelancers' wallets) due to high fees and banks being extremely stingy to even approve a credit card that isn't a #prepaid one at all...

@realmos 5 Euro und dazu kommen dann noch Transaktionen, also Geld empfangen, Abbuchungen und Überweisungen. Wenn ich es aber kostenlos innerhalb des Pakets möchte sind es pro Jahr 84 Euro inkl. Karte. Das wäre dann schon viel wenn’s vorher alles 0 Euro wahr bei einem durchaus hohen Mindestgeldeingang. Ob jetzt aber 7 Euro noch im Durchschnitt liegen, vermag ich nicht sicher zu beurteilen. Danke für deine Hinweise zur #Girocard.

@EUCommission There is a lot I don’t like about Apple and iPhone (which I have and use) but I have even worse memories from my Android times and banks coming up with their absolute garbage quality payment systems. I’m also afraid of country-specific payment systems getting a boost because of this. There’s already enough trouble with German #Girocard , or #maestro in the Netherlands.