Sparkasse creates payment functions

Sparkassen customers beware: The credit institution just creates one of its many years of service. There is no alternative.

Germany – With around 50 million customers, the Sparkasse in Germany is the undisputed number one under the financial service providers. Much of these customers now has to set a huge changeover, because the savings bank will make two services permanently.

Sparkasse creates payment functions – millions of customers are affected by conversion

Specifically, the abolition of the two payment functions “Money Card” and “Girogo”, which were for years on the offer of the savings bank. Both functions belonged to the normal equipment of the Red Sparkassen Card. Already since July 1 2020 no new cards are published with these functions more.

The Sparkasse itself informs on your website that existing savings bank cards with the mentioned functions in the coming years should be gradually replaced by new cards. By the end of 2024, the cards with cash card and Girogo function should be completely disappeared from the market. First of last year, another innovation had been announced with giro cards.

“Money card” and “Girogo”: Simple prepaid payment functions at the Sparkasse

Как создать PayPal | Как привязать к Sparkasse.
As the reasons for the abolition of long-term services, the savings bank call “changed market conditions”. Both the payment function with the cash card and Girogo have been less used by customers in recent years. Meanwhile, the “contactless payment” with the savings bank card, paying by credit card or smartphone are much more popular.

Paying with the money card / girogo is only possible by prior charging by credit (prepaid). The function can be paid to the Girocard for the electronic wallet, with the smaller purchases of up to 25 euros quickly and without entering a PIN or signature of the receipt (more news about digital at Sparkassen Card).

What happens to the prepaid cards with existing credit?

With future savings bank cards, this feature will no longer be possible. What concretely means that no credit can be booked more on the map. The prepaid possibility is completely eliminated.

Customers who are currently still saving bank cards with cash card or Girogo feature can pay with it until the end of the validity of your cards. Maximum but only until December 31, 2024. Existing credit remains until then. In addition, however, the Sparkassen Card must be unloaded by 31 March 2025 at the latest.

No prepaid function More at the Sparkasse: Which alternatives have customers?

A new prepaid payment function no longer offers the savings bank after the abolition of both services. However, the company points out that the normal payment with the Sparkassen Card (debit from the account) is a fast and secure alternative to the cash card and Girogo.

Paying with the smartphone is also, especially in Corona times, another and above all hygienic method to pay shopping quickly and contactless. Until a purchase value of 50 euros, no PIN entry is necessary according to the savings bank.

By the way: If you prefer paying cash instead of card, you will increasingly get problems. Because in Germany there are always fewer ATMs. The reason for this is the digitization.

Category list picture: © Fabian Summer / dpa; Collage: Sparkassen Card

Improved Face ID: Unlock smartphone by mask

Recently, iOS 15.3 has appeared as a collection of some security updates, but Apple immediately does with iOS 15.4 and this should bring some new features again. Two sting than very special because it is features that make life easier in the pandemic a tale.

Currently there are iOS 15.4 only as a beta version for developers. This means that even interested users can not just try this pre-release version for free. This changes when Apple presents a public beta. For most users, however, it is the better strategy to wait for the final version.

Cell phone unlock with mask: New version of Face ID

Mobile phone unlock despite mask, but you can work with tricks or go the detour via an Apple Watch. In iOS 15.4, Apple starts with an additional version of Face ID. Users can choose between two variants when set up:

Unlock iPhone with Face Mask without Apple Watch! (Face ID with a Mask Setup)
* Standard: This type of face recognition know iPhone users for a long time, because it is the version used so far, which works only without a mask, because all facial features are used, especially around mouth and nose.
* with mask: The second version of Face ID is new because it allows wearing a mask. So far it was so that Face ID has recognized a facial mask and then query the PIN code. Apple points out that the new variant is less safe because only the eye area is used for authentication. An additional option allows you to capture the face with and without glasses.

So if you want to open the COVPASS app with the iPhone in the future, this can make this faster despite the mask when the new variant of Face ID has been set up. Of course, this is also practical for other apps that you have to ran with mask on the face and maybe even make an extra face ID check, such as password manager or banking apps. Unfortunately, it seems that the new version of Face ID only works from the iPhone 12 or later.

Certificate soon easy in Wallet

It is already possible today to get the certificate in Apple Wallet. Then it is enough to open the wallet by double-touching the wallet and you need to call Covpass or the Corona warning app no ​​longer explicitly. But until today you have to disrupt something. With iOS 15.4 it should be easier.

Apple writes in the Release Notes that the EU’s digital COVID certificate can now be added to Apple Wallet and also to the Health App. That would clear the way to bring the certificate into the wallet, for example, from Covpass with a finger tip. So far you can make this with the alternative GreenPass EU.