Consors Finanz review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Our verdict
Consors Finanz runs a German credit card with no annual fee, no monthly fee and no currency conversion fee. It suits people who want a revolving limit for euro travel spending and interest-free instalments, and who are comfortable paying 20.9% on a carried balance.
Key facts
- Best for
- A fee-free German credit card for euro spending abroad and interest-free instalment plans.
- Annual fee
- €0 (Source, checked September 26, 2026)
- APR
- 20.9% (Source, checked September 26, 2026)
- Currency conversion fee
- 0% (Source, checked September 26, 2026)
- Rewards type
- None (Source, checked September 26, 2026)
- Perks
- Interest-free up to 90 days when paying in instalments or at quarter end, CashClick: fee-free transfer from credit limit to checking account, Credit limit up to 5,000 EUR (credit-dependent), Free cash withdrawals from 300 EUR (3.95 EUR per withdrawal below 300 EUR), Apple Pay and Google Pay mobile payment, Free card activation and shipping, free digital account management (Source, checked September 26, 2026)
- Card kind
- Credit (Source, checked September 26, 2026)
- Legal entity
- BNP Paribas S.A. Niederlassung Deutschland (Source, checked September 26, 2026)
- Headquarters
- Germany (Source, checked September 26, 2026)
- Founded
- 2001 (Source, checked September 26, 2026)
- Support channels
- Email, Phone, Help-centre (Source, checked September 26, 2026)
- Pricing model
- No annual fee
- Features
- Travel
- Official website
- consorsfinanz.de
Debit cards
- Monthly fee
- €0 (Source, checked September 26, 2026)
- Currency conversion fee
- 0% (Source, checked September 26, 2026)
- Free ATM withdrawals
- €0 (Source, checked September 26, 2026)
- Card network
- Mastercard (Source, checked September 26, 2026)
- Legal entity
- BNP Paribas S.A. Niederlassung Deutschland (Source, checked September 26, 2026)
- Headquarters
- Germany (Source, checked September 26, 2026)
- Founded
- 2001 (Source, checked September 26, 2026)
- Support channels
- Email, Phone, Help-centre (Source, checked September 26, 2026)
- Features
- Travel
Apps and profiles
- Get the app
- App StoreGoogle Play
Pros and cons
Pros
- Currency conversion fee of 0%, so euro spending abroad carries nothing extra
- Interest-free use when you pay in instalments or at quarter end, as Interest free up to 90 days when paying in instalments or at quarter end, CashClick: fee free transfer from credit limit to checking account and Credit limit up to 5,000 EUR (credit dependent) describes
- CashClick moves money from the credit limit to a checking account with no fee, per Interest free up to 90 days when paying in instalments or at quarter end, CashClick: fee free transfer from credit limit to checking account and Credit limit up to 5,000 EUR (credit dependent)
Cons
- Balance interest of 20.9% puts it at 67 of 133 on APR, so a carried balance costs real money
- Free cash withdrawals only start at the threshold in Interest free up to 90 days when paying in instalments or at quarter end, CashClick: fee free transfer from credit limit to checking account and Credit limit up to 5,000 EUR (credit dependent), and the listed free ATM allowance is €0
- The rewards type is none, so spending earns nothing back and the card has no cashback or points
Who it suits
- People in Germany who want a revolving credit limit with no annual fee
- Travellers who spend in euro and want no currency conversion fee
- Borrowers who pay in instalments or at quarter end to stay within the interest-free offer
Who should look elsewhere
- Varo Believe Secured Credit Card, whose annual fee is $0, fits borrowers who want a secured card rather than an interest-bearing one
- Chime Card (Secured Visa Credit Card) is a secured card at an annual fee of $0, aimed at building a record rather than revolving credit
- Wise, with an annual fee of £0, suits spenders who want fee-free card use rather than a revolving credit balance
How it compares on our data
Consors Finanz ranks 1 of 301 brands on annual fee and 1 of 181 on currency conversion fee, with an annual fee of €0 and a currency conversion fee of 0%. The APR of 20.9% places it at 67 of 133, so the strength sits in fees rather than in borrowing cost.
How Consors Finanz compares
9.1 vs 9.4
9.1 vs 9.0
9.1 vs 8.9
9.1 vs 9.2
9.1 vs 8.8
9.1 vs 8.5
9.1 vs 8.5
9.1 vs 9.0
9.1 vs 8.8
9.1 vs 8.8
9.1 vs 8.7
9.1 vs 9.2
9.1 vs 9.0
9.1 vs 8.9
9.1 vs 8.8
9.1 vs 9.6
9.1 vs 9.4
9.1 vs 9.4
9.1 vs 9.2
9.1 vs 9.1
9.1 vs 9.1
9.1 vs 9.1
9.1 vs 9.1
9.1 vs 8.8
9.1 vs 8.8- 9.1 vs 8.8
- 9.1 vs 8.8
9.1 vs 8.8- 9.1 vs 8.8
9.1 vs 8.5
9.1 vs 8.5
9.1 vs 8.5
9.1 vs 8.3
9.1 vs 8.2
9.1 vs 8.0
9.1 vs 8.0
Where Consors Finanz is available
- Licence in Germany
- Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), checked September 26, 2026
- Licence in Germany
- Europäische Zentralbank (ECB), checked September 26, 2026
- Licence in France
- Autorité des Marchés Financiers (AMF), checked September 26, 2026
- Licence in France
- Autorité de Contrôle Prudentiel et de Résolution (ACPR), checked September 26, 2026
- Licence in France
- ORIAS (insurance intermediary register) (07022735), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does it cost to hold the card?+
The annual fee is €0 and the monthly fee is €0, so holding the account costs nothing. Interest free up to 90 days when paying in instalments or at quarter end, CashClick: fee free transfer from credit limit to checking account and Credit limit up to 5,000 EUR (credit dependent) also lists free card activation, free shipping and free digital account management.
Is there a charge for spending abroad?+
The currency conversion fee is 0%, and the card ranks 1 of 181 brands on that measure. It runs on the mastercard network and travel is listed as one of its features.
What interest rate applies to a carried balance?+
Balance interest applies at 20.9%, and the card sits at 67 of 133 on that measure. Paying in instalments or at quarter end is what keeps spending inside the interest-free offer.
Is there an interest-free period?+
Yes. Interest free up to 90 days when paying in instalments or at quarter end, CashClick: fee free transfer from credit limit to checking account and Credit limit up to 5,000 EUR (credit dependent) states that use can be interest-free for up to a stated number of days when you pay in instalments or at quarter end. CashClick also moves money from the credit limit to a checking account with no fee.
What cash can I withdraw at no charge?+
The listed free ATM allowance is €0. Withdrawals below the free threshold set out in Interest free up to 90 days when paying in instalments or at quarter end, CashClick: fee free transfer from credit limit to checking account and Credit limit up to 5,000 EUR (credit dependent) carry a charge per withdrawal, so larger cash sums cost less.
How large is the credit limit?+
The limit depends on creditworthiness, with Interest free up to 90 days when paying in instalments or at quarter end, CashClick: fee free transfer from credit limit to checking account and Credit limit up to 5,000 EUR (credit dependent) showing the top limit available on the card. Approval gives a revolving balance that can be drawn, repaid and redrawn.
Who runs Consors Finanz and which regulator supervises it?+
The legal entity is BNP Paribas S.A. Niederlassung Deutschland, founded in 2001 and based in Germany. German supervision sits with BaFin alongside the ECB, and the French supervisors AMF and ACPR, plus 07022735.
How do I get help, and can I pay with my phone?+
Support runs on email, phone and help centre, which covers email, phone and a help centre. Interest free up to 90 days when paying in instalments or at quarter end, CashClick: fee free transfer from credit limit to checking account and Credit limit up to 5,000 EUR (credit dependent) lists Apple Pay and Google Pay mobile payment, plus free activation and shipping.
Sources
- bafin.de checked September 26, 2026
Backs: Licences
- consorsfinanz.de/impressum checked September 26, 2026
Backs: Legal entity, Support channels
“Telefon: 02 03 / 34 69 54-02 ... Mail an den Kundenservice; Unser Hilfecenter”
- consorsfinanz.de/karte-kredite/mastercard checked September 26, 2026
Backs: Annual fee, APR, Free ATM withdrawals, Card kind, Features, Currency conversion fee, Pricing model, Monthly fee, Card network, Perks, Rewards type
“Jahresgebühr - 0,00 € (dauerhaft) / Dauerhaft ohne Jahresgebühr (Consors Finanz Mastercard®)”
- consorsfinanz.de/ueber-uns checked September 26, 2026
Backs: Founded, Headquarters
“Standorte - München (Zentrale)”
Compiled from 8 source pages, checked September 26, 2026. We did not open an account.
Consors Finanz
A fee-free German credit card for euro spending abroad and interest-free instalment plans.