Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.
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.
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.
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.
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.
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.
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 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.
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.
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.
Finden Sie in diesem Test die Erfahrungen von bunq heraus. Wir analysieren die Gebühren, Einschränkungen und Funktionen, um Sie bei der Entscheidung zu unterstützen, ob dieser Anbieter für Sie geeignet ist.
Nutzen Sie mit dieser Kreditkarte gebührenfreie Barabhebungen im In- und Ausland.
Ist Monese das Richtige für dich? Wir analysieren die Kosten und Funktionen des Kontos, um dir bei deiner Entscheidung zu helfen.
Sie suchen ein Business-Konto mit Flexibilität und einfach zu bedienenden Funktionen? Revolut for Business könnte für Ihr Unternehmen funktionieren.
Wenn Du freiberuflich tätig bist oder Inhaber eines KMU bist, das nach einfachen Banklösungen sucht, dann bietet Qonto einige interessante Konten an, die deinen Bedürfnissen entsprichen.
Was Sie über die beliebte digital banking app in Deutschland wissen müssen.
Kontist bietet komfortable digitale Bankdienstleistungen an, die auf die Bedürfnisse von Freiberuflern zugeschnitten sind. Erfahre mehr über die Produkte, Funktionen und Gebühren von Kontist.
Mit Vivid Money kannst Du deine Finanzen verwalten, Cashback verdienen, provisionsfreie Investitionen tätigen und vieles mehr – alles in einer einzigen App.
Konvertiere verschiedenen Währungen und tätige Zahlungen im Ausland mit dem Wise Multi-Währungs-Konto und der Debitkarte.
Finde heraus, ob Revolut das Richtige für dich ist, und lese unseren ausführlichen Testbericht. Wir führen dich durch die Funktionen, Kosten, Vor- und Nachteile, damit Du alles Wissenswerte über die Karte und die App erfährst.
finder.com.au is one of Australia's leading comparison websites. We compare from a wide set of banks, insurers and product issuers. We value our editorial independence and follow editorial guidelines.
finder has access to track details from the product issuers listed on our sites. Although we provide information on the products offered by a wide range of issuers, we don't cover every available product or service.
Please note that the information published on our site should not be construed as personal advice and does not consider your personal needs and circumstances. While our site will provide you with factual information and general advice to help you make better decisions, it isn't a substitute for professional advice. You should consider whether the products or services featured on our site are appropriate for your needs. If you're unsure about anything, seek professional advice before you apply for any product or commit to any plan.
Products marked as 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labelling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
Providing or obtaining an estimated insurance quote through us does not guarantee you can get the insurance. Acceptance by insurance companies is based on things like occupation, health and lifestyle. By providing you with the ability to apply for a credit card or loan, we are not guaranteeing that your application will be approved. Your application for credit products is subject to the Provider's terms and conditions as well as their application and lending criteria.