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@goatsarah So many culture shocks, especially with financial stuff.
I arrived in '96 and the first thing my bank did after opening an account was to issue me a cheque book. The last time I'd seen a cheque in Germany was at least 10 years prior...
Later that year I wanted to transfer money to someone (I can't remember the reason) so went to my bank and they told me that was only possible if they had an account with the same bank... Bank transfers had been the standard in Germany since the 60s.