After that, the card is fine again, promised the Postbank
The difference of half a centimeter is hardly noticeable. The HTC U12 + has a Quad HD display with a resolution of 2880 x 1440 pixels – the same value as the HTC U11 +, but slightly worse than the Galaxy S9 + (Super AMOLED display with 1440 x 2960 pixel resolution).
Another highlight is the sound system: It should be up to 50 percent louder than the HTC U11. And if you record concerts, for example, you can focus the sound on the corresponding area. Compared to its predecessor, this recorded sound should then be up to 33 percent louder without any loss of quality. Thanks to four microphones, you can also record in quadro or stereo.
Noble design with a small flaw
The HTC is presented in a glass design and three colors: Titanium Black, Flame Red and Translucent Blue. Translucent Blue is supposed to be the main color of the device and is slightly transparent, similar to a Gameboy Color from 1998. The glass design looks classy, but also serves as a magnet for fingerprints. If you don’t want to polish your smartphone regularly, you should use a case.
HTC U12 +: Translucent blue is the main color of the new HTC flagship. (Source: t-online)
Like other current devices, the new HTC can accommodate two nano SIM cards. At 3,500 mAh, the battery is on par with the Galaxy S9 +, but significantly smaller than the U11 + (3,930 mAh). The internal memory is 64 or 128 gigabytes in size. If you want, you can expand it using a microSD card. Up to two terabytes are possible. A current Android 8.0 “Oreo” is used as the operating system.
In the first preview, the new HTC looks like a decent high-end device. It lies comfortably in the hand, does not weigh too much and looks good. The first test photos are successful and the sound can fill a room. A welcome feature is HTC Edge, which compensates for one of the weaknesses of large smartphones (difficult operation with one hand). It becomes particularly interesting when HTC expands the functions of Edge Sense with updates. The device will cost almost 800 euros, sales are expected to start in mid-July.
The most important data at a glance:
New smartphone presented: The G7 from LG relies on artificial intelligence New smartphone flagship: camera, display, battery: All information about the OnePlus 6 operating system in an everyday test: What is the new Android Go for? Galaxy S9 in the test: Samsung’s sensitive flagship comes on Friday 6 inch QHD display, 18: 9, 2880 x 1440 pixel resolution Snapdragon 845 (eight cores, up to 2.8 gigahertz performance) 6 GB of RAM 64 to 128 GB of internal memory Approx. 188 grams of weight camera rear: 12 MP main camera, aperture f / 1.75; Secondary camera (telephoto): 16 MP, aperture f / 2.6 Front camera: 2x 8MP, aperture f / 2.0, HDR Boost 2 Android 8.0 Ore, upgradeable to Android P Battery: 3,500 mAhHTC Edge Sense 2 Connections: USB 3.1, Type C Sources used: data sheet from HTCEigenes ResearchData sheet of the Galaxy S9 + Data sheet of the Google Pixel 2Data sheet of the HTC U11Data sheet of the HTC U11 + more sources show less sources
Some ATMs went on strike with Postbank customers (Photo: dpa) Customers of Postbank and Commerzbank in particular had problems at the weekend when they wanted to withdraw money from the machine with newer EC and credit cards. Some of the cards with a security chip had been rejected by the ATMs, said Postbank spokesman Hartmut Schlegel. It is still unclear how many customers had problems with their EC cards.
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Chips could not process the year 2010
In the meantime, the central association of banks and savings banks, the Central Credit Committee (ZKA), has commented on the incident: According to this, the new EMV security chips of a certain production type were responsible for the problems.123helpme.me The software of the affected cards could not process the year 2010. At no point in time was there a security risk.
Software update should fix problems
According to the ZKA, the banks are working flat out on a solution. When asked, a ZKA spokeswoman could not say how many cards were issued with the chip in question. According to information from industry circles, about 20 to 25 million EC cards and three to five million credit cards are equipped with this microchip. According to the banks, it is still unclear whether the affected cards of a certain chip series have to be replaced. The software error could possibly be fixed centrally.
A large part of the ATMs and reading devices at retailers in Germany can already process the problematic EC cards without errors, the ZKA said. In the coming days, all payment terminals should work again with all EC cards in Germany. The situation is different with EC and credit cards abroad. The ZKA said it could take a little longer there until all ATMs and dealer terminals are set so that they can read the chip cards correctly again.
EMC stands for a new standard
The new EMV standard stands for the three companies that developed the standard: Europay International (now Mastercard Europe), MasterCard and Visa. The EMV technology is supposed to protect the cards against illegal copying and the stored data against manipulation. To do this, the security chip encrypts the card data.
EMC prevents skimming
In this way, the banks prevent the card data from being read – also known as skimming. Most recently, criminals manipulated the machines with increasingly sophisticated methods in order to read the unencrypted magnetic stripe of the cards that were previously mainly used.
Already 730 million cards with an EMV chip
The cards are now gradually being replaced by new cards with the EMV standard. According to the company EMVCo, which developed the technology, around 730 million cash cards worldwide were equipped with the EMV standard in 2008.
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When traveling abroad, you shouldn’t carry too much cash with you. In recent years, credit or debit cards have increasingly taken the place of classic traveler’s checks as a secure and convenient means of payment. However, you should find out about the charges for card payments before you go on holiday so that you don’t get any nasty surprises at home.
Beware of hidden travel expenses
Photo series with 6 pictures
What are the fees for card payments?
When traveling abroad, you may have to pay higher fees for card payments than in Germany. For credit cards, these are made up of the withdrawal fee (usually two to three percent of the amount withdrawn) and the foreign transaction fee (an additional one to two percent). Separate regulations apply to EC cards.
Pay with the EC card free of charge within the EU
It is quite possible that the fees for paying with the EC card are cheaper than the fees for paying by credit card. Paying with the EC card is free of charge within the European currency union. However, in EU countries that have not joined the monetary union – including Norway and Sweden – a so-called currency conversion commission is added, which can amount to up to one percent of the amount withdrawn, but at least EUR 3.50.
Expensive fees for withdrawals abroad
With an EC card with the Maestro symbol or the widely used Cirrus symbol printed on it, you can easily withdraw money from ATMs abroad. Please note, however, that you will have to pay significant fees. For withdrawals with the EC card, in addition to the currency conversion commission, there are also fees for withdrawals from ATMs that do not belong to your house bank. Therefore, find out in advance which foreign banks your house bank is cooperating with in order to save fees.
However, the fees in the EU must not be higher than if you withdraw money from a foreign bank in Germany. According to Kapitalfokus.de, these fluctuate between 1.95 euros and 7.50 euros. Since the fees are not uniform in countries outside the EU, you should find out about existing fees before withdrawing from an ATM.
Commerzbank customers at an advantage
For example, anyone who is a Citibank customer is allowed to withdraw cash free of charge from foreign financial institutions such as CIRRUS, ServiRed, Honor or NYCE, as Girokontentest.de writes. If you are a customer of other banks, for example Sparda-Bank, you have to pay at least five euros plus one percent of the withdrawal amount at foreign ATMs. If the transaction was made outside of the euro country, there is another one percent foreign fee. Customers of the Sparkasse abroad must also expect a fee of at least five euros. The reason is the lack of a cooperation network with other banks.
However, anyone who is a Commerzbank customer can withdraw money free of charge from Deutsche Bank ATMs in Spain and Italy. At Deutsche Kreditbank (DKB), private customers can even withdraw money free of charge with their credit card at any ATM in the world.
This is how you keep the fees for card payments low
In order to keep the fees as low as possible when traveling abroad, it is advisable to compare the fees for individual means of payment before starting your journey. However, especially in distant foreign countries, you should rely on the broadest possible mix of different payment methods. If your bank does not want to issue you a credit card, you can apply for a prepaid card and take it with you. A certain amount is deposited on top of this, which can then be used to pay on vacation free of charge.
Payment method: advantages and disadvantages of cash on delivery
Combine means of payment
Remember as a rule of thumb: Always take at least two different means of payment with you on vacation. If you find out about the existing fees and use the various payment methods wisely, you will save a lot of money.
For small sums, Germans still prefer to use coins when paying. But for the first time in Germany last year, more money was spent with card payments than with cash.
The first Deutsche Mark notes – banknotes from 1948 to 1961
Photo series with 32 pictures
Consumers in Germany are increasingly turning to cards instead of cash when paying. Last year, for the first time, more money was spent on giro and credit cards in stationary retail than in cash, said the retail research institute EHI on Tuesday in Cologne.
Cash continues to be popular
According to the study, consumers paid a total of 209 billion euros for their purchases by card in 2018 – 12.4 billion euros more than in the previous year. As a result, the share of sales generated by cards rose to 48.6 percent. This was the first time that the card overtook cash – albeit only just a little. Because cash were “only” paid bills amounting to around 208 billion euros, which corresponds to a turnover share of 48.3 percent. The remaining 3.1 percent were spread over bills, financial purchases and vouchers. For comparison: in 2017, half of all sales were paid in cash.
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But even if the importance of cash payments is declining, that does not mean that customers will soon only pay with the card or smartphone. According to EHI, cash is still the first choice as a means of payment, especially for small sums. In 2018, a good three quarters of the 20 billion purchases were still paid in cash, reported the EHI.
Sources used: dpa news agency
Postbank ATMs are now repairing faulty EC cards (source: dpa) Customers can now have faulty Postbank EC cards repaired when withdrawing money from one of the 1,600 ATMs nationwide. From this Friday to the end of July, this function will be offered at practically all Postbank ATMs, said a company spokesman in Bonn. #
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Millions of cards no longer work
At the turn of the year, millions of EC cards from Postbank, Commerzbank and Sparkassen were rejected as illegible because the chip could not recognize the year 2010.
When traveling abroad, withdraw some money beforehand
The correction of the faulty card chip now takes place automatically while the customer withdraws money. “Then the card is fine again,” promised the Postbank. If you are planning a trip abroad, you should first withdraw money from the machine in Germany to be sure that the card works again.
Refitting finished earlier than planned
The conversion of the ATMs has thus been completed one month earlier than planned. At the POS terminals in the Postbank branches, the repair function should be enabled by the end of February. A technology is used that the associations of the German credit industry had previously agreed on.
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It does not always make sense to pay with cash on a vacation or business trip abroad. In the area of payment transactions, there are now various types of travel payment methods to choose from, which can be used sensibly depending on requirements and travel destination. The most frequently used means of payment in this area include credit cards, check cards (MaestroCard, formerly EC card) and travelers’ checks are still used.
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Credit cards as a means of payment when traveling
The most frequently used means of payment for travel today are credit cards.