C24 Bank review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
C24 Bank suits people in Germany who want a Mastercard debit card with no monthly or annual fee and no currency conversion fee. Costs sit at the floor of the market, and Up to 1% on card payments adds cashback on card payments, though support runs on help centre only.
Key facts
- Best for
- A free Mastercard debit account for everyday spending and travel spending in other currencies.
- Monthly fee
- €0 (Source, checked September 26, 2026)
- Currency conversion fee
- 0% (Source, checked September 26, 2026)
- Card type
- Debit (Source, checked September 26, 2026)
- Cashback rate
- 0.05% (Source, checked September 26, 2026)
- Card network
- Mastercard (Source, checked September 26, 2026)
- Legal entity
- C24 Bank GmbH (Source, checked September 26, 2026)
- Headquarters
- Germany (Source, checked September 26, 2026)
- Support channels
- Help-centre (Source, checked September 26, 2026)
- Features
- Virtual card, Travel, Multi-currency
- Official website
- c24.de
Credit cards
- Annual fee
- €0 (Source, checked September 26, 2026)
- Currency conversion fee
- 0% (Source, checked September 26, 2026)
- Rewards type
- Cashback (Source, checked September 26, 2026)
- Rewards rate
- Up to 1% on card payments (Source, checked September 26, 2026)
- Perks
- Cashback (Source, checked September 26, 2026)
- Card kind
- Credit (Source, checked September 26, 2026)
- Legal entity
- C24 Bank GmbH (Source, checked September 26, 2026)
- Headquarters
- Germany (Source, checked September 26, 2026)
- Support channels
- Help-centre (Source, checked September 26, 2026)
- Pricing model
- No annual fee
- Features
- Virtual card, Travel, Multi-currency
Pros and cons
Pros
- Monthly fee €0 and annual fee €0
- Currency conversion fee 0%
- Cashback of Up to 1% on card payments on card payments
- Virtual card, travel and multi-currency features included
Cons
- Support runs on help centre only
- Card type is debit and the Mastercard card is offered as credit
Who it suits
- People in Germany who want a Mastercard debit card with no monthly fee
- Travellers who want a multi-currency account with 0% currency conversion fee
- Shoppers who want Up to 1% on card payments cashback on card payments
Who should look elsewhere
- Varo Believe Secured Credit Card, if a secured credit card builds a credit history instead
- Wise, if you want a wider range of held currencies to convert between
- Chime Card (Secured Visa Credit Card), if you want a Visa secured credit card
How C24 Bank compares
8.9 vs 9.4
8.9 vs 9.0
8.9 vs 8.9
8.9 vs 9.2
8.9 vs 8.8
8.9 vs 8.5
8.9 vs 8.5
8.9 vs 9.0
8.9 vs 8.8
8.9 vs 8.8
8.9 vs 8.7
8.9 vs 9.2
8.9 vs 9.0
8.9 vs 8.9
8.9 vs 8.8
8.9 vs 9.6
8.9 vs 9.4
8.9 vs 9.4
8.9 vs 9.2
8.9 vs 9.1
8.9 vs 9.1
8.9 vs 9.1
8.9 vs 9.1
8.9 vs 8.8
8.9 vs 8.8- 8.9 vs 8.8
- 8.9 vs 8.8
8.9 vs 8.8- 8.9 vs 8.8
8.9 vs 8.5
8.9 vs 8.5
8.9 vs 8.5
8.9 vs 8.3
8.9 vs 8.2
8.9 vs 8.0
8.9 vs 8.0
Frequently asked questions
What does C24 Bank charge each month?+
The account carries a monthly fee of €0 and an annual fee of €0. The bank runs on a no-annual-fee model, and the debit card is the one used for daily spending. The legal entity behind the account is C24 Bank GmbH.
What does it cost to spend in another currency?+
The currency conversion fee is 0%, so converting euros into other currencies carries no extra markup on the card. Multi-currency is one of the listed features, and travel use is another, which makes the account practical for trips abroad.
What kind of card do I get and which network runs it?+
You get a debit card on the mastercard network. The Mastercard offering is described as credit, and a virtual card is one of the listed features, so online payments can be handled on a separate card.
Does C24 Bank pay cashback?+
Yes. Card payments earn cashback of Up to 1% on card payments, and the rewards type is cashback rather than points or miles. It is one of the listed perks, so the reward applies on top of the 0% currency conversion fee.
How can I get help from the bank?+
Support runs on help centre. That means questions are answered through the help centre, so anything urgent about a blocked card or a payment needs a written answer first rather than a call.
Which country is the account based in?+
C24 Bank is based in Germany and the legal entity is C24 Bank GmbH. Pricing is set in euro, and the card is issued in that market rather than as a global account.
Who is the account aimed at?+
The features point at everyday spending and travel rather than borrowing. A virtual card, multi-currency and travel cover day to day use, while the debit card and credit Mastercard offer point away from credit building.
Sources
- c24.de/impressum checked September 26, 2026
Backs: Legal entity, Support channels
“2026 C24 Bank GmbH”
- c24.de/preise checked September 26, 2026
Backs: Card type, Cashback rate, Features, Currency conversion fee, Monthly fee, Card network
“C24 Smart - 0 EUR / Monat - Kostenlose C24 Mastercard”
- c24.de checked September 26, 2026
Backs: Annual fee, Headquarters, Pricing model
- c24.de/mastercard checked September 26, 2026
Backs: Card kind
“C24 Mastercard - debit card linked to C24 Girokonto”
- c24.de/punkte-sammeln checked September 26, 2026
Backs: Perks, Rewards rate, Rewards type
“Bis zu 1% Premium Cashback”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Free ATM withdrawals, Protection.
C24 Bank
A free Mastercard debit account for everyday spending and travel spending in other currencies.