Typically a easy checking account isn’t sufficient: For example automobile leases, flight tickets and plenty of on-line retailers you want a bank card, be it from Visa, Mastercard or Amercian Categorical. However no worries: In Germany, there are many free presents. See the record and comparability right here.

Debit vs Credit score Playing cards

Earlier than we go on: An vital distinction to know is the one between Debit and Credit score Playing cards:

  • Debit playing cards could also be issued by a bank card firm (like Visa, Mastercard), however they don’t offer you any credit score: For each fee, it’s good to have the quantity you’re spending already on the account. If you wish to spend greater than you paid it, the fee received’t succeed.
  • Bank cards are those that truly offer you a (short-term) credit score: You can also make a fee even with out sufficient cash on you card account – however as soon as the (principally month-to-month) invoice arrives, it’s best to have the cash prepared. In any other case you would possibly pay excessive rates of interest.

Credit score Playing cards from Germany In contrast

Under you discover an interactive comparability desk with (free) bank cards from Germany. Essentially the most attention-grabbing ones are described under the desk with a bit extra particulars.

Free Credit score Playing cards


Some of the in style presents in Germany is the DKB Visa Card. It comes along with the DKB-Money account, which has it’s personal article right here.

Go to DKB Money*

Advanzia Gebührenfrei Mastercard GOLD

One other very fashionable card is that this one, brief the Gebührenfrei Mastercard GOLD. Their credit score time period can be very lengthy: 7 weeks. So after spending, you might have as much as 7 weeks time to pay the invoice to Advanzia. Nevertheless, when you miss to cowl the (full) invoice, you pay an rate of interest of 1.49% monthly, which provides as much as a yearly charge of 19.44 % p.a. So that’s actually one thing it’s best to maintain if you wish to keep freed from prices.

Go to Advanzia Gebuhrenfrei Mastercard Gold*

Barclaycard Visa

It is a very attention-grabbing supply when you journey an lot and need to withdraw money overseas. Equally to DKB, the Barclaycard Visa supply free money withdrawal worldwide. However not like DKB, you may hold you common present checking account, as a result of Barclaycard will merely direct debit the quantity you’ve spent from this account each month. Should you miss to have your account coated, you pay an rate of interest of 18.38%.

Go to Barclaycard Visa*

HanseaticBank GenialCard

Like BarclayCard, the HanseaticBank GenialCard isn’t tied to any checking account, so that you merely can hold your present one. The supply a credit score restrict of 2500€ proper from the beginning, and even pay out a starter bonus of 30€ only for opening the account.

Go to HanseaticBank GenialCard*

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