Criminals are looting millions from ATMs in Europe. Here’s why Germany is a prime target

(CNN) — In the early hours of Thursday, March 23, 2023, residents in the German town of Kronberg were woken from their sleep by several explosions.

Criminals had blown up an ATM located below a block of flats in the town center.

The attack caused severe damage to the building and forced the evacuation of its inhabitants. According to local media reports, witnesses saw people dressed in dark clothing fleeing in a black car towards a nearby highway.

During the heist, thieves stole 130,000 euros in cash. They also caused an estimated half a million euros worth of collateral damage, according to a report by Germany’s Federal Criminal Police Office, BKA.

Rather than staging dramatic and risky bank robberies, criminal groups in Europe have been targeting ATMs as an easier and more low-key target.

In Germany – Europe’s largest economy – thieves have been blowing up ATMs at a rate of more than one per day in recent years. In a country where cash is still a prevalent payment method, the thefts can prove incredibly lucrative, with criminals pocketing hundreds of thousands of euros in one attack.

Europol has been cracking down on the robberies, carrying out large cross-border operations aimed at taking down the highly-organized criminal gangs behind them.

Earlier this month, authorities from Germany, France and the Netherlands arrested three members of a criminal network who have been carrying out attacks on cash machines using explosives, Europol said in a statement.

Since 2022, the detainees are believed to have looted millions of euros and run up a similar amount in property damage, from 2022 to 2024, Europol said.

The criminal network used locations in France as “hideaway spots” and relied on getaway cars hired from a French rental company, according to the statement.

The arrests came as part of a wider operation by German, French and Dutch investigators, which also saw law enforcement search car rental companies whose vehicles had been used to flee crime scenes, in an “action day” across locations in the three countries.

Europol says that perpetrators have mostly been using solid explosives, mainly derived from fireworks, to explode the cash-filled machines – a dangerous tactic that results in heavy damage. In 2023, the lootings in Germany caused 28.4 million euros worth of secondary damage alone, according to BKA.

Often based in the Netherlands, the gangs “take extreme risks and act unscrupulously,” Europol says, both during the robberies themselves and the ensuing escapes in high-powered vehicles.

The chosen ATMs are often in quieter, residential areas – making them easier targets. According to Europol, this means that they pose a serious harm to buildings and residents. The attacks can crumble building facades and scatter shards of glass.

In some cases, they can even prove fatal.

On November 11, an ATM robbery in the town of Wiernsheim in the German state of Baden Württemberg ended in disaster. After stealing 40,000 euros in cash, a criminal trio from the Netherlands attempted a high-speed getaway in a VW Golf with stolen license plates, according to local media reports. Pursued by police, they drove the wrong way down Germany’s A6 motorway.

Two of the three criminals were caught at a rest stop, but the 30-year-old Dutch driver escaped and continued to drive against the traffic at speeds of up to 200 kilometers per hour, until colliding head-on with a van.

The driver and passenger in the truck were both severely injured, with the passenger dying in hospital days later. The driver, who was also heavily injured, was arrested and later sentenced to life in prison.

A rising crime

Germany has become Europe’s prime target for ATM bombings. And with its penchant for cash payments, it’s not hard to see why.

The country has more than 51,000 ATMs. In comparison, the Netherlands has around 5,000. The majority of Germany’s 83.3 million citizens have to travel no further than one kilometer to reach their nearest ATM, according to the central bank, Bundesbank.

Unlike its European neighbors, who largely transitioned away from cash payments due to the Covid-19 pandemic, cash still plays a significant role in Germany. One half of all transactions in 2023 were made using banknotes and coins, according to Bundesbank.

Germans have a cultural attachment to cash, traditionally viewing it as a safe method of payment. Some say it allows a greater level of privacy, and gives them more control over their expenses.

A 2016 study by the Bundesbank found that cash is particularly prevalent among older generations of Germans, meaning lingering memories of the country’s turbulent recent history could play a role in Germany’s reluctance to go digital.

“Neither digitalisation nor the pandemic have been able to oust cash. When it comes to making payments, cash is still by far the most popular means in Germany,” Bundesbank’s Johannes Beermann said in a post-pandemic press release from 2022.

In terms of location, Germany is also an ideal target for cross-border crime: Neighboring the Netherlands and linked by motorways on some of which speed limits don’t apply. 

A decline in ATM machines in the Netherlands and the introduction of enhanced security measures to crack down on the crime – including the installation of glue protection systems that can render bank notes worthless – has also led Dutch criminals to look further afield, according to Reuters, citing Dutch police.

A 2023 BKA report notes that ATM robberies in Germany have been rising since 2005, although they dropped slightly from 2022 to 2023. Still, Germany counted a total of 461 such robberies in 2023 – the second-highest number since surveys began in 2005.

The report also found that, as with previous years, the number of thefts declined during the summer months in 2023 – when longer daylight hours provide a higher risk of being caught. The majority of the crimes took place on working weekdays, between 2 a.m. and 5 a.m., according to BKA.

A spokesperson for the German Banking Industry Committee, which represents all major banking associations in Germany, told CNN: “Germany maintains one of Europe’s most extensive ATM networks…

“This extensive network has, in part, drawn organized criminal groups from abroad, seeing the density of ATMs and Germany’s demand for cash access as factors in their favor.”

German banks have invested over 300 million euros into enhanced security to tackle the issue, the spokesperson continued, including “alarm systems, ink staining solutions, reinforced locking mechanisms, and fogging technology.” However, certain techniques such as glueing systems to neutralize stolen cash are not currently permitted in Germany, the spokesperson added.

“These efforts, along with enhanced cooperation with police, have effectively reduced ATM attacks, with the Federal Criminal Police Office (BKA) reporting that 2024 figures are already ‘significantly below last year’s,’” the spokesperson said.

In July, the German government announced that ATM robberies would receive harsher punishment. Thieves must be sentenced to at least two years in prison, when the previous minimum sentence was one year. If the health of an uninvolved person or people is affected, perpetrators must receive prison time ranging from five to fifteen years, up from at least two years previously.

“Anyone who blows up ATMs risks the lives of uninvolved people,” Interior Minister Nancy Faeser said.

“We are dealing here with unscrupulous perpetrators and highly dangerous explosives. These acts must therefore be punished more severely.”

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