I've
lived in Germany since 1995. Not once have I written a check here.
Germany
generally deals with payment in one of three ways:
1. Bank
transfers, like my paycheck, which is a direct deposit, or my
electric bill, which is an automatic withdrawal.
2. Debit
Card, which my husband says I should avoid using because I'll lose
the feeling for the money I'm spending.
3. CASH.
Lots of it. We had repairmen come to fix our roof. 6oo EUR please.
Right now. Cash. Not kidding. Same thing for the COD on our 1200
EUR couch.
In
theory, and in some instances, you can also use a credit card, but
they just aren't very popular.
Checks
are considered antiquated.
So
I recently wanted to send someone in the States money. I traveled
down to my bank and asked for advice. They requested the person's
bank account number....
Which
I didn't have. The money was supposed to be a gift. I couldn't very
well go asking for the person's bank account. How suspicious would
that sound? And they probably wouldn't give it to me anyway.
Definitely not by unsecure e-mail.
Next
suggestion: A Verrechnungsscheck. After a lot of Q and A, I
understood that any person who happened to get their hands on the
check could cash it. It didn't matter what name was printed on it.
Plus the Verrechnungsscheck would be sent by the bank, not by
me. Certainly not with a little rainbow drawing from my daughter
meant to cheer up someone whose life had been turned upside down by a
natural disaster.
Other
suggestions? "Why don't you just send cash in an envelope?"
Yes, that was really the teller's suggestion. I didn't bother
answering with words. My scowl was enough.
Moving
on. Orderscheck. The bank could order a pack for me.
Minimum of 20 at a cost of 20 cents each. Then I could actually
write and send the check myself.
This
solution was actually sounding good, like an American check, until
the infamous words "I don't know what kind of fees you'd be
looking at" slipped out of the teller's mouth.
Hmm.
If the bank didn't know, who did? I googled. It was looking like
up to 50 EUR in fees from two to four banks along the Germany-to-USA
chain. I wasn't sending that much money. Definitely not worth the
high fees.
Next,
I spent days agonizing over my plan. Maybe I just shouldn't bother.
After all, it was money I wanted to send, not money I had
to send.
But
the thought of giving up when I was trying to do something positive
just because the system made it difficult irritated the heck
out of me.
Then
I had an idea. The bank of...amazon. A gift card. Sure, it isn't
as flexible as cash, but you can buy almost anything there.
I
don't want this to sound like a commercial, but it was simple. Done
within minutes.
And
so ends my story: I've been in Germany 17 years, and I still haven't
written a check.
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