Overview
- Creditworthiness checks will extend to Buy Now–Pay Later and minikredite under €200, reported as taking effect on November 20, with at least one outlet noting Germany’s stricter provisions may not apply until November 20, 2026.
- Ryanair will cease issuing paper boarding passes from November 12, requiring digital passes via its app, with limited exceptions such as lost phones or flights from Morocco.
- ZDF, ZDFinfo, ZDFneo, 3sat and KiKA will end SD satellite broadcasts on November 18, leaving HD as the only option and pushing older receivers and communal systems to upgrade.
- Spotify’s higher prices reach existing customers by about November 15, with some subscribers prompted to accept the new rate or drop to the free tier and an audiobook‑free base plan offered as an alternative.
- Month‑end paperwork returns: Kulturpass balances must be used by the end of November, Lohnsteuerermäßigung applications close on November 30 (effective December 1 this year), and the standard Kfz‑insurance switch deadline falls at the same time.