Compare Girocards in Germany: July 2025

Girocards in Germany: What You Need to Know

Girocards are one of the most commonly used payment methods in Germany. They provide direct access to a current account, allowing users to make payments and withdraw cash. While their functionality overlaps with debit cards from Visa and Mastercard, Girocards operate on a local payment network, which comes with specific benefits and limitations. This guide will explain how Girocards work, where they can be used, and what to consider when choosing one.

What is a Girocard?

A Girocard is a debit card issued by banks in Germany that is directly linked to a current account. When you use a Girocard to pay for something or withdraw cash from an ATM, the money is deducted from your account immediately. While the term "Girocard" is now official, many people still refer to it as an "EC-Karte," the name of its predecessor. Some banks also use their own branding, such as "Sparkassen-Card" for savings banks.

Unlike international debit cards from Visa or Mastercard, Girocards use a proprietary German payment network. This means that while they are widely accepted in Germany, their usability abroad is limited unless they include additional payment functions like Maestro or V-Pay. However, even these options have lower acceptance rates compared to Visa and Mastercard, which are more widely supported internationally.

Where Can You Use a Girocard?

In Germany, Girocards can be used for:

• ATM withdrawals: You can withdraw cash at almost any ATM, with free withdrawals often available at your own bank’s ATMs.
• In-store payments: Girocards are more widely accepted in German retail stores than credit cards. This is because it is generally cheaper for merchants to process Girocard transactions compared to Visa or Mastercard payments.
• Direct debit payments: Many businesses allow direct debits using a Girocard, making it useful for recurring expenses like gym memberships or utilities. From the bank's perspective, these payments are processed as direct debits, which makes them very cost-effective for merchants. Additionally, since the card is directly linked to the current account, transactions are considered more secure. This combination of low cost and security is one of the reasons why Girocards remain so widely used in Germany.

However, Girocards have notable limitations:

• Online shopping: Girocards generally cannot be used for online payments, unlike Visa and Mastercard debit cards.
• International use: Since Girocards rely on a local network, they may not be accepted outside Germany unless they are co-branded with Maestro or V-Pay. Even in the EU, acceptance can be inconsistent.
• Car rentals and hotels: Many international businesses require a credit card for security deposits, and Girocards may not always be accepted.

Costs Associated with Using a Girocard

While many banks provide a Girocard for free with a current account, some charge a monthly or annual fee. In fact, many banks charge around 1 Euro per month for a Girocard, whereas debit cards from Visa or Mastercard are usually free of charge. Additional costs can include:

• ATM withdrawals: Free withdrawals are typically available only at your own bank’s ATMs or partner networks. Using an ATM from another bank often incurs fees.
• Card payments: Some banks charge fees for certain card transactions, depending on the account type.
• Foreign transactions: If your Girocard has Maestro or V-Pay functionality, you may be able to use it abroad, but withdrawals and payments often come with fees. In many cases, these international transaction fees can be unreasonably high, making it an expensive option for travelers.
• ATM operator fees: Even if your bank does not charge a fee for foreign withdrawals, the ATM provider might impose additional charges.

Key Factors to Consider When Choosing a Girocard

If you're deciding whether a Girocard is right for you, keep these factors in mind:

1. Acceptance in stores: Girocards are widely accepted in Germany but have limited use internationally. If you care about wide acceptance, get a debit or credit card instead. Use a Girocard for paying locally and in government offices where there's usually no other option.
2. ATM access: Check where you can withdraw cash for free. Some banks offer fee-free withdrawals only at their own ATMs, while others have partnerships that allow free withdrawals at specific networks. Take care of the number of free withdrawals as, just like with debit cards, some banks have adopted 'fair usage' policies.
3. Online payments: If you frequently shop online, in most cases a Girocard is not sufficient, and you might need an additional Visa or Mastercard debit card.
4. Foreign use: If you travel frequently, ensure your Girocard includes Maestro or V-Pay or consider an alternative payment method.
5. Fees: Be aware of any account fees, withdrawal fees, or foreign transaction costs.
6. Security features: Some banks offer advanced security options such as card blocking via an app or PIN changes at ATMs.

How to Get a Girocard

Since Girocards are tied to a current account, you will receive one when you open an account with most German banks. You can request a card directly at the bank branch or through the bank’s website. The card is typically issued automatically as part of the account setup process.

Not all banks provide Girocards. While traditional banks and savings banks continue to issue them, many online banks prefer to offer Visa or Mastercard debit cards instead. If a Girocard is essential for you, check with the bank before opening an account.

Conclusion

A Girocard is a reliable payment option for everyday use in Germany, offering strong in-store acceptance and easy access to cash withdrawals. However, it has significant limitations, particularly for online and international payments. Before choosing a Girocard, consider your spending habits, travel needs, and whether you require an additional debit or credit card for broader payment options.