A couple of suggestions...
Your ATM card should only be 4 digits.
The waiters need your tips. They make very little and the house keeps a lot. Euro is king and hand it directly to the waiter.
If you pay for a meal/drink with Euros and say "thank you" you may not see your change. Some waiters take "thank you" for "keep the change".
Many beer halls and restaurants change for the plate of jumbo pretzels next to your drink.
Munich information:
http://www.toytowngermany.com/munich/
I enjoyed the trip to the "Eagles Nest". You can do Salzburg in a long day trip. Innsbruck needs 2 full days.
GL
John_AZ