Money pretty torn up?
I have two €50, one €20, and one €5 bill that are damaged. I recently wanted to exchange them at the Sparkasse. Admittedly, the bills don't look good anymore, but at least 90% of the original is still intact.
The employee who served me seemed rather annoyed and said that the notes couldn't be verified by their recognition device. He explained that the notes would have to be sent to the central bank or a similar location so that the money could then be transferred to my account. I then left to find out more.
I have a C24 account and an ING-DiBa account, but not one at Sparkasse. However, I've often heard that notes are exchanged immediately if more than 50% of the note is preserved. So I'm wondering if I just encountered a particularly suspicious employee, or if the process is actually that complicated.
If anyone has experience with a similar situation, I would greatly appreciate any tips or help. Unfortunately, my bank often seems unprofessional.
Thank you in advance to anyone who can help me!
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You are a customer at online banks and not at Sparkasse.
The disadvantage of online banks is that they offer only limited service.
For this reason, in addition to accounts at ING and DKB, I have retained my account with the savings bank.
The Sparkasse also asked me whether I am a customer. For example, when exchanging Australian dollars. It was only possible for customers.
The fact is that the Sparkasse does not need to exchange any damaged bill into a defect-free one. She might do that with her own customers. It doesn’t help you. I can also somehow understand that the savings bank refuses to exchange with you. This makes work for the Sparkasse, namely by separate submission to the Bundesbank, and who likes to work for someone who is not a customer.
In every city there is a branch of the Bundesbank. They make such exchanges.
Unfortunately not, the branch net has become quite thin:
https://www.bundesbank.de/de/bundesbank/hauptverwaltungs-filialen/hauptverwaltungen-und-filialen-der-deutsche-bundesbank-605048
Yes, but this applies to the Bundesbank (or the respective national central bank).
Other banks and savings banks can also accept damaged bills and forward them to the Bundesbank, but often only for their own customers.
nja the sparkasse doesn’t do so in front of location, that is outsourced.
just give it off at the kiosk, or in the trade. stir nicely smooth and make a quick number on the cash register.