I&#x27;m a (german) DB customer as well, and I can&#x27;t say I share a lot of these experiences.<p>&gt; <i>Buggy app and web interface, sometimes the login fails or hangs randomly</i><p>This never happened to me, maybe I&#x27;m just lucky. There used to be a problem with the web interface when you entered the banking system&#x27;s URL without &quot;<a href="https:&#x2F;&#x2F;&quot;" rel="nofollow">https:&#x2F;&#x2F;&quot;</a> but that&#x27;s not really the same.<p>&gt; <i>The way to authorise online transactions is with a piece of paper with 100 codes printed on it (TAN list)</i><p>I think the TAN list is just there to get you started (and for some technophobic Germans). I used it to set up SMS TANs immediately, and I think there is still an option for a dedicated TAN generator device (at least there used to be). Don&#x27;t use the TAN list!<p>&gt; <i>Stupid useless cards. The default account (€5&#x2F;month) comes with a card (EC Karte) that can only be used at German ATMs and in most German stores.</i><p>An EC Card is <i>the thing</i> you need to go shopping in Germany. It&#x27;s entirely appropriate for this country, and contrary to what you claim it works just fine internationally (at least mine does). While it&#x27;s true that some banks offer a separate VISA credit card, it shouldn&#x27;t be a problem for you to get one elsewhere. As for VISA debit cards, I&#x27;m not sure if those even exist in Germany.