Originally Posted by
Revilo199
The official policy in most Eurozone countries is quite easy:
If you possess more than 50% of the banknote you can exchange it for a new one.
This is also possible if you possess less than 50% of it and have proof that the rest of it has been destroyed.
See here :
DAMAGED BANKNOTES - ECB - Our Money
This should be possible at any bank during opening hours.
Absolutely correct, still here's an additional caveat: The fear of certain bank people that they'll be held responsible for paying up a crook makes some of them require that a complete serial number and a small part (i.e. 1 digit) of the second serial number on the same note are visible. Prepare to fight this stupidity. For non €-used people. The two numbers are on the reverse side of the note.