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.

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.

This booklet provides a comprehensive overview of European economic and monetary beginnings through to the legal provisions and operational procedures applicable in EMU today. The information contained in this booklet focuses on issues of particular relevance to central banks.

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.