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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.
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.
In Germany, Girocards can be used for:
However, Girocards have notable limitations:
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:
If you're deciding whether a Girocard is right for you, keep these factors in mind:
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.
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.
