Money Exchange for Germany -Services - Money
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You can exchange money at most banks. The best exchange rates are when you use your debit card in a ATM machine.
Visa, Mastercard, and other credit cards are mostly accepted in Germany, whereas not for payments such as 89 cents and a liter of milk.
You can use a credit card at the train station when buying train tickets from the automated machines. You can also use a credit card when renting a car. Electronic stores (Media Markt, Conrad, Saturn), furniture stores (Ikea, Hiendl), grocery stores (Kaufland, Real, Edeka) and department stores (Galleria Kaufhof) do NOT accept credit cards.
Many places will accept EC cards (the debit card for European bank accounts). EC cards are accepted in most places. However, there are many restuarants, bars, cafes, guest houses, hostels, and pensions that only accept cash.