Updated October 18, 2026 · SumCue Editorial Team

Top debit cards compared in Germany

238 providers available in Germany, ranked for Germany.

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Top debit cards compared in Germany
OrderProviderScoreFeaturesKey factsActions
1
DKB logo
DKBTop pickPartner

25 Euro Bonus Kinderkonto and Tagesgeld: 25 EUR

9.3/10
  • No monthly fee
  • Travel
Monthly fee:
€0 to €4.50
Currency conversion fee:
0% to 2.2%
Card type:
Debit
ReviewCompareVisit
2
DKB (Deutsche Kreditbank) logo
DKB (Deutsche Kreditbank)Partner

Welcome bonus for new credit card holders: €30

9.0/10
  • Fixed rate
  • Travel
Monthly fee:
€0
Card type:
Debit
Card network:
Visa
ReviewCompareVisit
3
Kontist by Shine logo
Kontist by ShinePartner

sevdesk: 60% off your accounting software: 60% discount

9.1/10
  • No annual fee
  • Business
  • Travel
Monthly fee:
€0
Currency conversion fee:
2%
Free ATM withdrawals:
€0
ReviewCompareVisit
4
bunq logo
bunqPartner
8.9/10
  • No annual fee
  • Travel
Monthly fee:
€0
Currency conversion fee:
0.5% to 3%
Card type:
Debit
ReviewCompareVisit
5
Fyrst logo
FyrstPartner
8.9/10
  • No annual fee
  • Business
Monthly fee:
€0
Currency conversion fee:
1.85%
Card type:
Debit
ReviewCompareVisit
6
COCA Card logo
COCA CardPartner

COCA GTA VI PRE-ORDER CASHBACK PROMOTION TERMS & CONDITIONS

9.4/10
  • Travel
Monthly fee:
€0
Currency conversion fee:
0%
Free ATM withdrawals:
$250
ReviewCompareVisit
7
Nexo logo
NexoPartner
8.9/10
  • No annual fee
  • Business
  • Travel
Monthly fee:
€0
Currency conversion fee:
0.2% to 2.5%
Free ATM withdrawals:
€200 to €2,000
ReviewCompareVisit
8
Nebeus logo
NebeusPartner
9.1/10
    Monthly fee:
    €0
    Currency conversion fee:
    0%
    Free ATM withdrawals:
    €2,000
    ReviewCompareVisit
    9
    Airwallex logo
    AirwallexPartner
    9.0/10
    • Business
    • Travel
    Monthly fee:
    £0
    Currency conversion fee:
    0.5%
    Card type:
    Debit
    ReviewCompareVisit

    Licensed in Germany

    DKB
    Bundesanstalt fur Finanzdienstleistungsaufsicht
    Kontist by Shine
    BaFin and European Central Bank - licence held by banking partner Solaris SE, which holds and manages the German IBAN accounts; Kontist itself states it holds no banking licence
    bunq
    Bundesanstalt fur Finanzdienstleistungsaufsicht (BaFin)
    Bitpanda Card
    Federal Financial Supervisory Authority (BaFin)
    Postbank
    Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin)
    Postbank
    Europäische Zentralbank (EZB)
    PSD Bank Nürnberg
    Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin)
    Bitpanda
    BaFin (Germany)
    Bitpanda
    Federal Financial Supervisory Authority (BaFin)
    Deutsche Skatbank
    Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin)
    Commerzbank
    BaFin
    Nordea
    European Central Bank
    UmweltBank AG
    European Central Bank (Eurosystem)
    UmweltBank AG
    Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin)
    UmweltBank AG
    IHK fuer Muenchen und Oberbayern (Versicherungsvermittlerregister, Erlaubnis nach Paragraf 34d Abs. 1 GewO)
    bunq Spain
    Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin)
    UnitPlus
    IHK Berlin (34f GewO)
    N26
    Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin)
    Moss
    BaFin
    Moss
    DE_BAFIN

    Other rankings

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    Other countries

    DKB

    DKB

    Top pick for Germany

    9.3/10Visit