Consorsbank review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Consorsbank suits anyone who wants a no cost credit card for everyday spending and travel, with fees of €0 a year and 0% to convert currency. Money comes straight out of the current account, so there is no bill to pay at month end. Rewards are none, so the case rests on cost and convenience.
Key facts
- Best for
- A credit card for daily spending and holidays that charges no fee to keep or to convert money.
- Annual fee
- €0 (Source, checked September 26, 2026)
- Currency conversion fee
- 0% (Source, checked September 26, 2026)
- Rewards type
- None (Source, checked September 26, 2026)
- Card kind
- Credit (Source, checked September 26, 2026)
- Pricing model
- No annual fee
- Features
- Travel, Virtual card
- Official website
- consorsbank.de
Debit cards
Pros and cons
Pros
- The annual fee is €0, which puts Consorsbank at 1 of 301 brands on that measure.
- Currency conversion costs 0%, ranking 1 of 181 brands, so foreign spending and holidays stay cheap.
- The card is a debit Visa, which means spending draws on the money in the account and there is no balance to clear.
- A virtual card sits alongside the debit card, so online payments can use a separate set of details.
Cons
- The monthly fee is €0, but the account is billed on a credit model with a credit kind of card, so a missed payment can still cost.
- Rewards are listed as none, so there is nothing back on everyday spending.
- The monthly fee sits alongside a debit card only, with no second currency or balance option listed among the features.
Who it suits
- Anyone who spends in the same currency they earn in and wants no annual cost to carry.
- Travellers who pay in several currencies and want conversion at 0%.
- Shoppers who want a debit card for online use and a virtual card for one off purchases.
Who should look elsewhere
- Anyone chasing cash back or points, as rewards are none.
- Varo Believe Secured Credit Card suits anyone building a credit history from a deposit.
- Wise suits anyone who holds several currencies and wants to convert the balance itself, not just card spending.
How Consorsbank compares
Frequently asked questions
How much does Consorsbank cost to keep?+
The annual fee is €0 and the monthly fee is €0, so there is no cost to hold the card. That puts Consorsbank at 1 of 301 brands ranked on the annual fee. Many cards on the site charge a fee, so this is the cost side of the case.
What does it cost to spend abroad?+
Currency conversion runs at 0%, which places Consorsbank at 1 of 181 brands on that measure. Travel is listed among the features, and a virtual card is also offered for online bookings. Spending in another currency therefore costs very little.
Is it a debit card or a credit card?+
The card type is debit and the card kind is listed as credit. Spending draws on the money already in the account, so there is no borrowing to repay later. Anyone expecting a revolving balance would find the account works differently.
Does the card pay any rewards?+
The rewards type is none, so there is nothing back on what you spend. Around 28.7% of brands on the site also carry no rewards. The value here comes from the fee, not from points or cash back.
What kind of card do I get?+
The network is visa and the card is a debit card. A virtual card is listed among the features, which lets you keep a separate set of card details for online shopping and subscriptions. That helps when you would rather not hand over the main card number.
Who is this card for?+
It suits people who pay in the currency they earn in, keep a current account with the bank and want no fee on the card. It also suits travellers, since conversion is 0%. It is a poor fit if rewards matter to you, because the rewards type is none.
How does this compare with a secured credit card?+
A secured card puts a deposit behind the limit, which is how Varo Believe Secured Credit Card and Chime Card (Secured Visa Credit Card) work. Both list an annual fee of $0 and $0. Consorsbank takes no deposit, so nothing is tied up.
How does the cost sit against other cards?+
The annual fee of €0 matches the site median of €0, while the top quartile reaches €4.89. The currency conversion fee of 0% sits below the site median of 1%. So it is a low cost option on both measures.
Sources
- consorsbank.de/web/Girokonto checked September 26, 2026
Backs: Annual fee, Card kind, Card type, Features, Currency conversion fee, Pricing model, Monthly fee, Card network, Rewards type
“Credit Card Gold Light - kostenlos”
Compiled from 1 source page, checked September 26, 2026. We did not open an account.
Not confirmed yet: APR.
Consorsbank
A credit card for daily spending and holidays that charges no fee to keep or to convert money.