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15 Pfennig - Waldkirchen Franz Danzer Bankgeschäft

Issuer Franz Danzer Bankgeschäft, Waldkirchen
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Obverse script Latin
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Reverse description The central field displays the heraldic shield of Waldkirchen, depicting a church building flanked by conifer trees, surmounted by a decorative helmet crest with scrollwork supporters. Below the shield appears a small oval cartouche enclosing an abbreviated monogram or mark. A beaded border frames the design, with the circular legend '· KLEINGELDERSATZ ·' in the upper arc and '· 15 PFENNIG ·' in the lower arc, separated by bullet stops, denoting the token's function as small-change substitute currency.
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Waldkirchen notgeld of this type was issued during the acute small-change shortage that gripped Germany in 1917–18, when zinc and iron tokens flooded local circulation as official coinage disappeared into hoarding and war metal drives. Franz Danzer's banking house issued these pieces to facilitate everyday transactions when the Reichsbank could not keep fractional coinage in circulation. Provincial banking firms acting as de facto mint authorities was an arrangement tolerated, not sanctioned, by Berlin.

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