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Fyrst review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Fyrst suits German businesses that want a Mastercard debit card without a monthly or annual charge and with multi-currency handling built in. The trade-off is the currency conversion fee of 1.85%, well above the bunq range of 0.5% to 3% for anyone paying abroad often.

Key facts

Best for
Business banking in Germany with a monthly fee of €0 and a mastercard card.
Monthly fee
€0↗
Currency conversion fee
1.85%↗
Card type
Debit↗
Card network
Mastercard↗
Legal entity
Deutsche Bank AG↗
Headquarters
Germany↗
Founded
2019↗
Support channels
Email, Chat, Phone, Help-centre↗
Features
Multi-currency
Audience
Business
Official website
fyrst.de

Credit cards

Annual fee
€0↗
Rewards type
None↗
Perks
Mastercard Business Bonus Program discounts at Booking.com, Rentalcars.com, HubSpot↗
Pricing model
No annual fee

Facts checked September 26, 2026, 4 sources

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
Trustpilot

Pros and cons

Pros

  • A monthly fee of €0 and an annual fee of €0, so the card costs nothing to keep.
  • A multi-currency account (multi currency) keeps cross-border supplier payments in the same place.
  • Support runs on email, chat and phone, so help is a call, a chat or an email away.
  • The Mastercard Business Bonus Program brings discounts on booking, car rental and software suppliers.

Cons

  • Currency conversion costs 1.85%, against 0.5% to 3% at bunq.
  • The rewards type is none, so nothing comes back on everyday spend beyond partner discounts.
  • It is aimed at business accounts (business) and does not serve private users.
Fyrst

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Scored 8.9 / 10 by SumCue.

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Who it suits

  • German businesses that pay suppliers and staff in other currencies and want a single card for it.
  • Companies that already hold an account with Deutsche Bank AG and want the card in the same place.
  • Teams that book travel or software with partner suppliers and can use the Mastercard Business Bonus discounts.

Who should look elsewhere

  • bunq, whose currency conversion fee of 0.5% to 3% sits below Fyrst's 1.85% for frequent foreign spend.
  • Wise, where the monthly fee is £0, for readers who want an account outside a German business bank.
  • Varo Believe Secured Credit Card, whose monthly fee is $0, for anyone after a secured credit card rather than a business debit card.

Who runs it

Fyrst is run by Deutsche Bank AG, which is based in Germany. The company was founded in 2019. Support runs on email, chat and phone, so a business can reach the team by phone, by chat, by email or through the help centre. That range of channels is useful for a company account where several people need help with the same card.

How Fyrst compares

Where Fyrst is available

Available
Germany

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does it cost to run a Fyrst card?+

Fyrst charges a monthly fee of €0 and an annual fee of €0 on its card. There is no recurring charge to budget for beyond spending abroad, where the currency conversion fee of 1.85% applies.

Is Fyrst a debit or credit card?+

Fyrst offers a debit card on the mastercard network. Spending draws on the balance in the business account behind the card, so there is no borrowing to repay and no interest to weigh. For a company that only needs a way to pay and keep the money in its own account, that is the whole arrangement.

How much does it cost to spend in another currency?+

Paying abroad costs 1.85% in conversion. That is higher than bunq at 0.5% to 3%, and Fyrst sits at 158 of 258 brands ranked on the same measure. Businesses that pay foreign suppliers often should treat this as the main cost line.

Does the card earn any rewards?+

The rewards type is none, so there are no points or cashback on spend. What comes instead is the Mastercard Business Bonus Program, which gives discounts at booking sites, car rental sites and HubSpot. Those discounts sit with booking and software suppliers rather than being paid on every transaction.

Who runs Fyrst and where?+

Fyrst is the brand of Deutsche Bank AG, a bank based in Germany. Fyrst itself was founded in 2019. For readers weighing where the money sits, the legal entity behind the account matters more than the card name, since the account and the card sit with the same bank.

How do you get help from Fyrst?+

Support runs on email, chat and phone. A business can call, chat, email or work through the help centre, which helps when the same card is shared between a finance lead and a travel booker. Phone and chat cover the urgent cases, and the help centre handles repeat questions without a call.

Where is Fyrst available?+

Fyrst is based in Germany and sells to business customers, so it is aimed at companies trading in that market rather than private individuals. Readers in other European countries should treat it as a domestic business product and check eligibility before applying.

Sources

  • pitchbook.com/profiles/company/469532-17 checked September 26, 2026

    Backs: Founded

    “Fyrst was founded in 2019”

  • fyrst.de checked September 26, 2026

    Backs: Headquarters, Legal entity, Support channels

    “Phone support area code 0228 (Bonn, Germany)”

  • fyrst.de/banking/karten.html checked September 26, 2026

    Backs: Audience, Features, Card network

    “Target Audience: Business owners, self-employed professionals, freelancers”

  • fyrst.de/banking/karten/kreditkarten/fyrst-card-plus.html checked September 26, 2026

    Backs: Annual fee, Card type, Currency conversion fee, Pricing model, Monthly fee, Perks, Rewards type

    “kostenlose Debit Mastercard (free debit Mastercard)”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Free ATM withdrawals, Protection.

Fyrst

Fyrst

Business banking in Germany with a monthly fee of €0 and a mastercard card.

8.9/10Visit