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Honestly, it depends. Essentially every German has a bank account backed debit card (not a CC!), except may the most poor (though I think there is a legal requirement for banks to offer basic accounts + debit cards for everyone). For me it's my preferred mode of payment since I got mine 18 or 19 years ago.

//edit: Cashless might imply debit card is accepted, but not necessarily credit cards. Though these are catching up.

For groceries at the usual chains (Edeka, Lidl, Aldi,...) cashless always works, and from my POV always did. For a while many stores only accepted cashless for sales above 10 Euros, but I only know one shop that still has that antique rule. In the past paying by card was something you did for "bigger" expenses; I'm young enough to only have witnessed how that seems to have phased out, but I definitely got strange looks when I payed for an inexpensive item by card. These days most cashiers don't blink an eye when I do so for a <1 Euro item.

As a rule of thumb, the more expensive a place is and the less shady (as in "might cook the books" or "not a drinking hole"), the more likely it is to accept cashless. The "expensive" barrier is coming down ever since: 15 years ago I might have needed cash for a restaurant with the average dish costing 20 Euros, or going out with friends to drink. These days it's safe to assume "if customers are expected to sit down, and pay 10 Euro+, then cashless is probably accepted". Exceptions apply, like that one, new (post-COVID!) restaurant, which insists on cash; and also I go to other places like I did two decades ago while being a pupil or student.

When I go out in our city (six digit populace) I usually assume that I can pay cashless, though if I know the next ATM to be unpleasently far away, I make sure that me or a companion has enough cash, just in case. I still pack some cash when venturing into an unknown town/city.

Overall, I think due to COVID more cusomters now use the option to pay cashless; the only huge impact in acceptance (that I noticed) seems to have been bakeries around here.

It's important to remember that, while Germany is about the size of one of the US's states, it's much more densely populated and has vast differences in customs, traditions and subtile social norms like cash vs cashless.



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