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Cash by Messenger

Geldbringservise Sparkasse Worms Alzey Ried. Kirsten Worms mit dem Geld für die Kundin in derSparkasse
Savings bank employee Kirsten Worms delivers cash to cutomers who can't make it to their nearest branch.
  • Why it matters

    Why it matters

    Cash deliveries by car help banks to keep in contact with customers, while at the same time cut back on franchise costs and keep banking affordable.

  • Facts


    • Providing cash by messenger has a long tradition in many rural areas in Germany, but it’s new to big cities.
    • The largest amount of cash allowed per order varies among the savings banks. Many limit the amount to €1,000 or less, and banks usually charge €5 to €10 per cash delivery.
    • Some banks use ATMs on wheels to serve customers at street festivals, concerts and other major events.
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Kirsten Worms drives a bright red car emblazoned with the slogan, “Savings bank. Good for the region.” Today, she drives to a residence in the small town in Rheinhessen, where a woman awaits the bank employee’s delivery: cash.

Ms. Worms’ vehicle is essentially a cash taxi owned by the Sparkasse Worms-Alzey-Ried savings bank in the village of Wörrstadt, about an hour’s drive south-west of Frankfurt. She provides a service that is increasingly being offered across Germany. Savings and loan institutions, as well as banks, are delivering customers’ money to them at home. While providing cash by messenger has a long tradition in many rural areas of Germany, it’s new to big cities.

Savings banks and credit unions are closing branches on a big scale. In some cases, bank branches are being cut by up to 30 percent, and getting to ATMs is difficult for many older customers.

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