Hard to imagine an (above poverty line) adult who never uses an ATM card in this, the Year of Our Lord 2015.
That was the first time I used a German ATM card in Europe. I've used my US card plenty of times through my life. I only really had a German bank account to deposit money and buy bitcoins. I never had reason before to get cash out considering so many people buy bitcoins from me for cash.
Part of the difficulty being the language barrier at the time.