I'm in northern Germany and haven't seen a single one, a few bumblebees and had a large wasp nest near my door last year but they seem to have died over the winter, planted more flowers for them this year but still no sign of them, for the bees i meant.

Great photo! App says it’s a European wool carder bee. I’m not familiar with these little cuties!

https://en.wikipedia.org/wiki/Anthidium_manicatum

They get the name "carder" from their behaviour of scraping hair from leaves[4] such as lamb's ears (Stachys byzantina). They carry this hair bundled beneath their bodies to be used as a nest lining.[5] Like other members of the tribe Anthidiini, these bees do not cut leaves or petals as is typical for megachilids.