November brings a series of significant changes for everyday life in Germany — from digital-only boarding passes to new rules on small loans, updated requirements for TV reception, and price adjustments at major digital services. Here are the key updates consumers need to know before the month begins.
Stricter controls on short-term loans
Beginning 20 November 2025, even small consumer loans of up to €200 — including “Buy Now, Pay Later” offers — will require a creditworthiness check. The reforms stem from the European Consumer Credit Directive, designed to protect low-income households from slipping into debt through seemingly harmless microloans.
Banks and payment providers will also be obligated to clearly explain total borrowing costs, making fees and interest easier to understand.
Ryanair says goodbye to paper boarding passes
From 12 November, passengers flying with Ryanair will no longer receive a paper boarding pass. Ticketing becomes entirely digital, with boarding passes generated directly in the myRyanair app during check-in.
Passengers traveling together can share digital cards via smartphone wallets — but those without a smartphone may find air travel complicated. Ryanair already reports that about 80% of its more than 206 million yearly passengers are using digital passes, making the transition part of a broader push toward mobile-only handling.
Out with SD: Public broadcasters require HD reception
Viewers with older TV sets should check their equipment soon. As of 18 November, the ZDF family (ZDF, ZDFinfo, ZDFneo, 3sat and KiKA) will end satellite broadcasting in SD quality. Major cable providers, including Vodafone and Pyur, plan to shut down their remaining SD signals for public channels by the end of the year.
Anyone still relying on non-HD devices will need to upgrade their television or add a compatible receiver to continue watching ARD and ZDF channels.
Spotify raises prices
Music streaming is getting more expensive. From 15 November, Spotify will increase subscription costs:
Plan New Monthly Price
- Individual €12.99
- Duo €17.99
- Family €21.99
- Student €6.99
A new tier called “Basic Individual” will remain at €10.99, but includes fewer features such as limited access to premium audio tools.
Last chance to spend the Kulturpass
The popular Kulturpass for young adults expires at the end of 2025 — but unused balances can only be spent until the end of November. Eligible 18-year-olds are encouraged to book activities now, including museums, cinema tickets, concerts, or books.
Christmas markets light up German cities
The beloved Weihnachtsmarkt season officially arrives in late November. Opening dates vary by city:
- City Opening Date
- Dortmund 20 November
- Berlin Alexanderplatz 24 November
- Dresden 26 November
- Nuremberg 28 November
After years of disputes over rising GEMA fees, municipalities and the rights organization have agreed on a reduced, more predictable tariff — meaning Christmas classics and festive hits could return more prominently this year.
