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Compare debit cards in Germany

Which debit card could be the best for you?

Debit cards are an essential financial tool for students and working adults alike. With debit cards being so popular, there is a huge range of choices available in Germany itself. This guide will help you pick the best debit cards for your specific financial needs.

Compare a range of debit cards in Germany

Name Product Management Fee Card delivery Supported currencies
Commerzbank Free current account
0 €
3 to 4 business days

1

Receive €100 starting credit after 3 months of account activity

A current account with 0 € fees and cashback at select Shell petrol stations. Includes a Mastercard Classic credit card.
Nuri Bank Account
0 €
Up to 14 days

1

A unique bank account and crypto-wallet managed through a user-friendly app with real-time spending notifications. Includes a free digital Mastercard.
N26 Standard
0 €
Up to 10 working days

1

Benefit from no monthly fee, no currency conversion fees and a raft of in-app budgeting features to help you save.
Vivid Standard
0 €
4-5 days

1

A free bank account with fee-free payments and transfers globally. Enjoy up to 20€ cashback per month.
1822MOBILE Current Account
1822MOBILE Current Account
0 €
N/A

1

Free account management, €20 when you open an account, up to €100 referral bonus and a free savings bank card: your current account 1822MOBILE offers all of this.
Openbank Free Current Account
0 €
N/A

1

A free current account with free euro transfers within the eurozone. Includes a debit card with free cash withdrawals worldwide.
DKB-Cash: Free current account
0 €
Up to 7 business days

1

A current account with fees that comes with a free Visa credit card and free cash withdrawals worldwide.
Norisbank Top Current Account
0 €
5 to 7 working days

1

Benefit from a 0 € account fee, free Maestro card and free cash withdrawals from thousands of locations worldwide.
Commerzbank StartKonto
0 €
3 to 4 business days

1

A free current account for young people with a free Young Visa credit card. Cashbacks and discounts in more than 2,000 online shops.
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Name Product Management Fee Card delivery Supported currencies
Comdirect Bank Current Account
4.90 €
N/A

1

A current account with no minimum incoming funds. Includes a free Visa credit card and free cash withdrawals worldwide.
N26 Metal
16.90 €
Up to 10 working days

1

Receive a stainless steel Metal card available in 3 shades, an insurance package and exclusive offers.
Tomorrow Now
3 €
3-5 business days

1

A free Visa debit card with free transactions across the globe and N/A for free.
TARGOBANK Online-Account
3.95 €
N/A

1

An online current account that comes with a Visa credit card. Free online transfers and free cash withdrawals at more than 3,000 ATMs.
bunq Easy Green Personal
17.99 €
Up to working 10 days

1

An account with an exclusive stainless steel card. Help the environment – a tree will be planted for every €100 you spend.
N26 Smart
4.90 €
Up to 10 working days

1

A mid-tier, premium subscription plan that comes with a range of essential money management features to help you better manage your finances.
Tomorrow Change
7 €
3-5 business days

1

Manage your shared finances conveniently with Tomorrow’s mid-tier plan. Benefits include multiple sub-account, fee-free monthly cash withdrawals and more.
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Please note these products are not licenced as banks. Check our product review pages for details.
Name Product Management Fee Card delivery Supported currencies
Wise Multicurrency Account
0 €
Up to 14 working days

19

Wise (formerly TransferWise) is an international account with over 50 currencies, instant and very convenient money transfers, a card to spend in any currency, bank details to be paid in 30 different countries and multi-currency direct debits.
Wirex Standard
0 €
Up to 4 business days

12

Get a Welcome Bonus of $15 USD in WXT when you sign up with Wirex through Finder.

Benefit from an array of digital payment features, including a free prepaid Wirex card and unlimited fee-free transfers at interbank rates - with zero monthly subscription fee.
Revolut Premium
7.99 €
Up to 3 working days

28

A combined current account and IBAN account with unlimited free currency conversions and international transfers in over 25 currencies.
VIABUY Prepaid Mastercard
VIABUY Prepaid Mastercard
5.82 €
3-5 business days

1

VIABUY Prepaid Mastercard comes with no line of credit and it does not require credit checks.
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How to choose a debit card in Germany

Debit cards come with varying fees, features and perks. Ultimately, the right debit card for you would be one that suits your specific financial needs. For example, an avid online shopper would probably prefer a debit card with attractive deals and discounts. On the other hand, students may want to opt for debit cards that provide them with special privileges and student perks. Regardless, a good debit card generally comes with low fees and allows you to gain access to your cash anytime, anywhere.

What is a debit card?

Before jumping into the best credit cards in Germany, let’s take a look at what counts as a debit card. Debit cards are essentially cards that may be used up till the stored value, or linked account value, has been exhausted. This is different from credit cards, which allow you to spent on credit which you’re subsequently expected to repay. Because debit cards do not have this aspect of spending money that’s not in your account, the eligibility requirements to apply for debit cards are much more lenient. For instance, a credit card provider may stipulate a minimum monthly income from cardholders, and sometimes even a minimum SCHUFA credit score. In contrast to this, debit cards can usually be held regardless of income levels. This makes them widely popular, even with students.

Debit cards for easy access to your funds

It could be frustrating when you want to withdraw cash and there are no ATMs in sight. Beyond this, it could really pinch your wallet if your provider charges a fee on ATM withdrawals. If you prefer having cash on hand, then you might want to choose a debit card that comes with fee-free withdrawals and plenty of ATMs.

For example, ING Giroknoten offers a Visa debit and girocard that come with unlimited, free cash withdrawals in Euros. DKB Cash Active Account members also enjoy free, unlimited cash withdrawals.

Debit cards for overseas travel

Are you an avid traveller? If yes, you’ll probably be familiar with the additional fees and charges that are often levied on debit cards overseas. These costs include foreign transaction costs, foreign currency conversion fees and overseas ATM withdrawal fees. Such fees could really add up, so it’s important to choose a card that steers clear from these costs.

N26 You, for example, providers accountholders with a debit card that may be used for free ATM withdrawals worldwide, as long as you withdraw money less than 5 times a month. Revolut Metal, on the other hand, allows for no-fee international withdrawals for less than 1,000 euros per month.

Debit cards for online shopping

What’s better than online shopping? Getting what you want at the lowest possible price. Online shoppers, therefore, tend to love debit cards that provide discounts, deals and cashback online. N26 Metal’s Mastercard, for example, can be used online with no markups and transaction fees.

Besides getting a good deal, online shopping is best when it’s done safely. That means getting a debit card that allows you to pay for your goods in a secure manner. One contender here is ING, whose cards are all protected by MasterCard® Id Check™ and Verified by Visa.

Debit cards for students

Debit cards are often used as an introductory tool for credit cards, making it especially popular with students and teenagers. There are plenty of deals for students in Germany who are interested in getting a debit card. One option is the Deutschebank Das Junges Konto account, which provides a Deutsche Bank debit card that may be used for free cash withdrawals in over 60 countries. DKB Cash also offers a free bank account for students, which comes with a Visa debit card that can be used for free cash withdrawals worldwide. That’ll come in useful for any study-abroad programmes or quick summer travel.

Debit cards with the lowest fees

Regardless of which category you’ve fallen into above, almost all debit card users tend to gravitate to the cards with the lowest fees. That explains the popularity of debit cards linked to N26 accounts, where fees like currency conversion markups are nonexistent and ATM withdrawal fees are waived for the first five withdrawals per month. Another option is Revolut, whose Standard account comes with no monthly fees and a free Revolut debit card that may conduct transactions in over 150 currencies with no markups.

Other things to consider when choosing a debit card

Debit cards are linked to bank accounts, so you should consider the pros and cons of that bank account in conjunction with the pros and cons of your desired debit card. For instance, the savings derived from having a debit card with no markup costs could be overridden by hefty monthly maintenance fees on the linked bank account.

Additionally, you should consider factors like the strength of customer service support, the availability of online banking or card-management tools and the eligibility requirements involved. You should only apply for a debit card that you are eligible for, and that you’ll be comfortable using.

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