this post was submitted on 22 Jun 2026
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Yeah, it's a lot to enable mobile payment. Personally, I just bought myself a nice wallet. Much less hassle.
Also, conditions will vary depending on which Sparkasse/Volksbank you look at (they're all independent and might have very different fee and offer structures), but they'll likely all have more fees than most large private banks.
The thing is, they have some good projects like these independent mobile payment apps, and are great for giving out loans to smaller, regional businesses, but as banks for private users, they definetely aren't the best available.