In the U.K. it’s almost at the point of being cashless - indeed I ate at a restaurant on Saturday night which didn’t accept cash.
In Germany it’s like going back to the UK in the early 90s in that regard. Charges to withdraw money from ATMs, the newly built canteen at the office of a large experiment doesn’t accept card, but also wouldn’t take a €50, which was also what the ATM gave me!
(Paying a fixed amount to the bank was a thing in Germany like 10 or 20 years ago.)
Can't be said enough, cash is king in Germany. Go north or east (Poland not so much but Lithuania+) and cash is only useful for tips.