This is somewhat frustrating as a tourist to Germany (withdrawing cash usually involves a 3% exchange fee, and bank fees if you use the wrong ATM), but wouldn't be so bad if there was a way to get a reloadable EC card (or bank account with EC card). But as far as I can tell, reloadable EC cards don't exist, and I don't think there's a way to get a German bank account without a permanent residence in Germany.