Cash is available around the clock at the ATM. But without plastic card like girocard or credit card does not work in Germany. More security is to be provided by ATMs that work without cards. Smartphones are used.
Different ways to take off without a card
Cash withdraw by NFC
Some banks, such as the Bank of America, also use NFC technology and establish a connection between the cash machine and the smartphone. This only works when the radio technology is installed in the machine, so it requires a retooling of the ATMs. On the smartphone you need of course the appropriate app, usually a wallet, an app in the customer register their plastic card. The Wallet can also be used to store several cards. To pick up, select the card in the app and confirm by PIN code at the machine.
Taking off with Apple Pay & Co.
More security and new gaps
The banks sell the lift without a card as a gain for comfort and security. There is certainly what turn, who forget the Girokarte, thanks to smartphone in the pocket then cash can withdraw. With biometrics these transactions are much safer, the copying of girocard and PIN input over skimming no longer works. Thieves then have to exert themselves more, which they probably already do. So there are already first cases of theft on clients of JPMorgan Chase. This bank generates one-time codes, which you have to enter at the machine, and then spit out a certain amount of cash. Unauthorized users had apparently gained access to online accounts from customers and simply registered new mobile devices.