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Updated October 17, 2026 · DebitCue Editorial Team

Top debit cards compared in Germany

725 cards available in Germany, ranked for Germany.

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. How we rank

Top debit cards compared in Germany
#CardScoreFeaturesKey factsActions
1
DKB logo
DKBTop pick

25 Euro Bonus Kinderkonto and Tagesgeld: 25 EUR

8.5/10
    Monthly fee:
    €0
    Card type:
    Debit
    Card network:
    Visa
    		ReviewCompareVisit
    2
    DKB (Deutsche Kreditbank) logo
    DKB (Deutsche Kreditbank)

    Welcome bonus for new credit card holders: €30

    		8.5/10
      Monthly fee:
      €0
      Card type:
      Debit
      Card network:
      Visa
      		ReviewCompareVisit
      3
      Instarem logo
      Instarem

      Special FX rate + zero fees on first transfer EUR 1 to EUR 2,000

      		9.1/10
      • No annual fee
      Currency conversion fee:
      0%
      Legal entity:
      INSTAREM PTE. LIMITED
      Headquarters:
      Singapore
      		ReviewCompareVisit
      4
      Kontist by Shine logo
      Kontist by Shine

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

      		9.1/10
      • No annual fee
      • Virtual card
      Monthly fee:
      €0
      Currency conversion fee:
      2%
      Free ATM withdrawals:
      €0
      		ReviewCompareVisit
      5
      bunq logo
      bunq
      		9.0/10
      • No annual fee
      • Multi currency
      • Crypto
      • Virtual card
      Monthly fee:
      €0
      Currency conversion fee:
      0.5% to 3%
      Card type:
      Debit
      		ReviewCompareVisit
      6
      Fyrst logo
      Fyrst
      		8.9/10
      • No annual fee
      • Multi currency
      Monthly fee:
      €0
      Currency conversion fee:
      1.85%
      Card type:
      Debit
      		ReviewCompareVisit
      7
      COCA Card logo
      COCA Card

      COCA GTA VI PRE-ORDER CASHBACK PROMOTION TERMS & CONDITIONS

      		9.4/10
      • Crypto
      • Virtual card
      Monthly fee:
      €0
      Currency conversion fee:
      0%
      Free ATM withdrawals:
      $250
      		ReviewCompareVisit
      8
      Nexo logo
      Nexo
      		8.9/10
      • No annual fee
      • Multi currency
      • Crypto
      • Virtual card
      Monthly fee:
      €0
      Currency conversion fee:
      0.2% to 2.5%
      Free ATM withdrawals:
      €200 to €2,000
      		ReviewCompareVisit
      9
      Airwallex logo
      Airwallex
      		9.0/10
      • Multi currency
      • Virtual card
      Monthly fee:
      £0
      Currency conversion fee:
      0.5%
      Card type:
      Debit
      		ReviewCompareVisit
      10
      Kraken logo
      Kraken
      		9.2/10
      • Multi currency
      • Crypto
      • Virtual card
      Monthly fee:
      €0
      Currency conversion fee:
      0%
      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
      Bitpanda
      Federal Financial Supervisory Authority (BaFin)
      Bitpanda Card
      Federal Financial Supervisory Authority (BaFin)
      UnitPlus
      IHK Berlin
      Moss
      BaFin
      Moss
      DE_BAFIN
      ING Germany
      Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin)
      ING Germany
      European Central Bank
      Deutsche Bank
      Federal Financial Supervisory Authority (BaFin)
      Deutsche Bank
      Federal Financial Supervisory Authority (BaFin)
      Nexi
      DE_BAFIN
      Trade Republic ES
      Federal Financial Supervisory Authority (BaFin)

      Other rankings

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      DKB

      DKB

      Top pick for Germany

      8.5/10Visit