Smart Finance

For some, filing a tax return is an annual burden. But who actually needs to submit one?

Good to Know Who Must File a Tax Return–and Who Doesn't?

Late tax filings can result in hefty penalties. But who is required to file a tax return, and for whom is it optional?

New Law Changes in ATM Cash Withdrawal Procedures

Since June 28, 2025, new ATMs must be accessible to people with disabilities, according to the new EU accessibility law.

Sparkasse and Payback have launched their long-planned partnership.

Partnership with Payback Collect Bonus Points with Your Sparkassen Card! What the Change Means for Customers

Sparkasse customers can now collect Payback points using their Girocard without needing an extra card. However, data privacy remains a contentious issue.

Limit How Much Money Can I Withdraw From an ATM?

The amount of cash you can withdraw daily is limited. But what exactly is the ATM withdrawal limit? TECHBOOK reveals usual ATM limits.

No Longer Just an Age Issue: Online Banking Has Become Indispensable in Germany

Bitkom Report Online Banking on the Rise–Even Among Seniors

A recent Bitkom report reveals that more and more people in Germany are turning to online banking. Even older individuals are catching up quickly.

The crypto market has seen significant developments recently.

Review of Key Developments Major Banks Launch Blockchain Initiative with Proprietary Crypto Projects

Banks such as JPMorgan and Deutsche Bank are launching their own blockchain projects–and Trump is also involved. Here's a brief overview of key developments.

Delete Immediately! 22 Harmful Crypto Apps Found on Android Smartphones

Security researchers have discovered a total of 22 malicious crypto apps that can steal savings. Users need to be especially cautious.

ING released another update for its app in May.

Update ING App Gains Feature Previously Available Only in Browser

With the new ING app update to version 8.20.1, international money transfers are now possible directly via mobile.

Valuable technology: Some of the old technology from the days of our youth can still be worth quite a bit - in the right condition

Game Consoles, VHS Cassettes, ... Old Technology That Is Now Really Valuable

We used to play with it, now it's worth a fortune: some technology items from our childhood are now really valuable.

TRUMP cryptocurrency surprises with billion-dollar valuation

Memecoin What Purpose Does Donald Trump's Cryptocurrency Serve?

Trump's Memecoin is making waves in cryptocurrency. It has started with a market cap in the billions and raises questions.

There are now numerous crypto exchanges. TECHBOOK lists the most relevant ones.

Coinbase, Bitpanda ... Trading Bitcoin and More - An Overview of the Best Crypto Exchanges

Trading Bitcoin, Ethereum and Co. is possible via crypto exchanges. TECHBOOK offers an overview of the portals.

Consumer Advice Center Warns Payment Provider Klarna Analyzes Customer Bank Statements

Is Klarna looking into its customers' bank statements? This accusation is now in the air, and the company has responded.

Various data is stored on bank and credit cards

Chip, magnetic strip, ... What data is stored on bank cards and credit cards, and where is it stored?

Various data must be stored on debit and credit cards for secure transactions. TECHBOOK will tell you which ones and where.

It was supposed to be an alternative to PayPal, but the payment method has failed

End of December Well-known online payment method to be discontinued! What customers need to know

The Giropay payment service offered secure online payments and sending money in real time. But the project has failed.

A new chip in cash cards should make them easier to recycle in future

Banking What will change for contactless payment cards in the future

Current contactless payment cards are not particularly environmentally friendly. A new generation of debit and credit cards aims to change this.

Symbolic image: stacked euro coins symbolize the rising cost of cash.

Production, transportation, payments, ... How much does cash cost?

Cash is convenient, anonymous, and extremely popular, but how much does cash cost? TECHBOOK provides an overview.

Study proves Card payments are more environmentally friendly than cash

Card payments and cash differ in more ways than you might think. A study sheds light on their environmental impact.

Neobrokers offer free securities accounts, but there are differences in the offers

Trade securities free of charge These are neobrokers - this is what makes them different

Securities and crypto can be traded cheaply with neobrokers. But what exactly is behind them and what needs to be considered?

Person sitting at laptop with credit card in hand

Downloads, e-books, ... Do digitally purchased products really belong to me? Which regulations apply

More and more people are paying for purely digital products. TECHBOOK explains the special features that apply.