Visa cashback campaign launched: 2% money back when shopping

For free

Yes (one-time minimum of 5 euros for a physical card, digital free) Yes (plastic card only, one-time fee of 10 euros) No (2.49 euros per month) No (1.90 euros per month) Yes (in the first year, then 69.90 euros) No (12 euros per month) No (60 euros per month)

Payment mode

Debit (immediate debit from Giro) Revolving (partial payment preset, but can be cancelled, otherwise 18.90% effective annual interest rate) Debit (immediate debit from Giro) Fee (monthly debit, installment payment adjustable, then 20.13% effective annual interest) Debit (immediate debit from Giro) Fee (monthly debit) Debit (immediate debit from Giro) Debit (immediate debit from Giro) Advance payment Debit (immediate debit from Giro) Revolving (partial payment can be cancelled, otherwise 24.69% effective annual interest rate) Debit (immediate debit from Giro) Debit (immediate debit from Giro) Fee (monthly debit) Fee (monthly debit) Fee (monthly debit) Fee (monthly debit) Fee (monthly debit)

Free cash in Germany

Yes (4 times a month, 2 euros each) Yes (from 300 euros, otherwise 3.95 euros) Yes (from 100 euros, otherwise 1 euro fee) No (3.9% of the amount, minimum 1.50 euros) Yes (from 50 euros, mini cash option 15 euros per month) No (4% of the amount, minimum 5 euros per withdrawal fee) Yes (3 times a month free, then 4.90 euros each) Yes (from 50 euros, if the account has less than 50 euros, less is possible) No (2.99 euros) Yes (5 times or 200 euros per month, then 2% of the amount, minimum 1 euro) No (24.69% pa interest until account balance) No (3 euros per withdrawal with Now account) Yes (3x per month, 2 euros each) Yes (from 50 euros, mini cash option 15 euros per month) No (4.90 euros per withdrawal) No (2% of the amount, minimum 5.11 euros per withdrawal fee) No (4% of the amount, minimum 5 euros per withdrawal fee) No (4% of the amount, minimum 5 euros per withdrawal fee)

Free cash in the euro area

Yes (4 times a month, 2 euros each) Yes (from 300 euros, otherwise 3.95 euros) Yes (from 100 euros, otherwise 1 euro fee) No (3.9% of the amount, minimum 1.50 euros) Yes (from 50 euros, mini cash option 15 euros per month) No (4% of the amount, minimum 5 euros per withdrawal fee) Yes (3 times a month free, then 4.90 euros each) Yes (from 50 euros, if the account has less than 50 euros, less is possible) No (2.99 euros) Yes (5 times or 200 euros per month, then 2% of the amount, minimum 1 euro) No (24.69% pa interest until account balance) No (3 euros per withdrawal with Now account) Yes (from 50 euros, mini cash option 15 euros per month) No (4.90 euros per withdrawal) No (4% of the amount, minimum 5 euros per withdrawal fee) No (4% of the amount, minimum 5 euros per withdrawal fee)

Free cash worldwide

Yes (4 times a month, 2 euros each) Yes (from 300 euros, otherwise 3.95 euros) Yes (from 100 euros, otherwise 1 euro fee) No (5.4% of the amount, minimum 1.50 euros) Yes (from 50 euros, mini cash option 15 euros per month) No (4% of the amount, minimum 5 euros per withdrawal fee) Yes (3 times a month free, then 4.90 euros each) Yes (from 50 euros, if the account has less than 50 euros, less is possible) No (2.99 euros) Yes (5 times or 200 euros per month, then 2% of the amount, minimum 1 euro) No (24.69% pa interest until account balance) No (3 euros per withdrawal with Now account) Yes (from 50 euros, mini cash option 15 euros per month) No (4.90 euros per withdrawal) No (4% of the amount, minimum 5 euros per withdrawal fee) No (4% of the amount, minimum 5 euros per withdrawal fee)

Foreign currency fees

1.5% foreign transaction fee on the Euro amount, converted at Visa exchange rates 2.2% of turnover, free for active customers 2% of turnover 1.75% of sales 1.99% of sales 0.5% of turnover Up to 1000 euros per month free on weekdays, up to 1.5% on weekends 1.7% of turnover, partly free for fee-based current accounts 1.75% of sales 2% of turnover 2% of turnover

Apple Pay / Google Pay

/ / / / / / / / / / / / / / / / / /

Cashback or bonus points

Yes, both (up to 2.5% cashback) Cashback (1% on all qualified card payments in ETF, stock or crypto savings plans – up to 15 euros per month) Yes (bonus points) Cashback Yes (refund) Cashback as an ETF investment Only for the current account Yes (bonus points) 5% cashback on travel Cashback Cashback as an ETF investment Yes (Membership Rewards) Yes (Membership Rewards)

Special conditions

On certain days, Prime members receive a 2% discount on Amazon 90-day return policy for online shopping, discounts with Amex offers Only with current account Cash plus (9.90 euros per month) Every euro paid protects 1 m² of rainforest Only with You checking account (9.90 euros per month) Warranty extension of 12 months after manufacturer’s warranty, 3-instalment service Advantages when booking hotels (VIP status, free breakfast) 90-day return policy for online shopping, discounts with Amex offers 90-day return policy for online shopping, discounts with Amex Offers, up to 760 euros credit on food, streaming, travel and shopping

Banking app

Insurance included

Only with C24 Max for 9.90 euros per month No, only as additional paid packages Only with current account as additional paid packages Luggage, foreign health, travel cancellation, travel accident Only with You checking account (9.90 euros per month) Travel, internet, shopping etc. can be booked for 2.90 to 8.90 euros Only with Girokonto Plus for 9.90 euros Reiser, traffic legal protection, transport accident Travel cancellation, overseas health, transport accident, travel comfort Travel cancellation, foreign health insurance, rental car, travel legal costs, travel comfort, travel accident, travel personal liability, travel luggage

Partner card

Only for joint accounts Yes (free) Only for joint accounts With joint account or power of attorney (free of charge) Only for joint accounts Yes (only with Change checking account for 8 euros per month) Only with Smart checking account (4.90 euros per month) Only for joint accounts Only for joint accounts Yes (69.90 euros per year) Yes (free) Yes (up to 5 cards free)

fitness

Anyone who wants interest on their current account Anyone who withdraws large sums Anyone who wants interest on their current account and may still be able to use a deposit account Instead, often order from Amazon Anyone who frequently withdraws cash Anyone who needs the card for (online) shopping Anyone who meets the conditions for the free account Anyone who frequently withdraws cash Anyone who needs a simple prepaid credit card without a Schufa check Anyone who likes digital and lives without a lot of cash Perfectly organized, who pay their bills on time People with ecological awareness who withdraw little cash Digitally savvy people who have little need for cash Frequent travelers who want to pay monthly Anyone who buys a lot of technology Anyone who frequently books hotels and is interested in a comprehensive insurance package Frequent travelers who need comprehensive insurance coverage Frequent travelers who actually use the inclusive credits

Current account with issuing bank required

Yes (free) Yes (free) Yes (also without minimum deposit, better conditions as an active customer) Yes (free of charge from 700 euros incoming money / securities savings plan / under 28 years / 3 mobile payments per month) Yes (free of charge for those with a salary of 700 euros or under 28 years of age) Yes (free) Yes (free) Yes (for at least 4 euros per month) Yes (free) Yes (also without minimum deposit, better conditions as an active customer) Yes (free of charge from 700 euros incoming money / securities savings plan / under 28 years / 3 mobile payments per month) Yes (free of charge for payments over 700 euros per month, otherwise 3.90 euros per month)

Bonus upon completion

Up to 10 to 25 euros starting credit with conditions until 14.07.2024: 4000 extra points 75 euros and 3.5% overnight interest for 3 months 50 euros (for 5 payments in 4 months via card or mobile phone) 75 euros and 3.5% overnight interest for 3 months 144 euros (with 4,500 euros turnover/first 6 months) 200 euros (for 10,000 euros turnover/first 6 months)

Special features

With C24 Max – Metal Mastercard in your desired color up to €5,000 credit limit Make change and purchase metal Visas for an additional charge More bonus points at Amazon With active status you can quickly withdraw money anywhere in the world for free Earn up to 3000 Payback points Cash service at over 12,000 partners in Germany Until 30.6.2024 you will receive 50 euros, under conditions: new customer and active use Two accounts with one card through two different pins Three months free Premium Up to 7 weeks interest-free payment, including travel insurance With Zero Visa made of wood Transparent Mastercard for a one-time payment of 10 euros Free emergency parking Cash service at over 12,000 partners in Germany Visa Gold credit card free in the first year, insurance coverage Exclusive offers & discounts, insurance portfolio worldwide airport lounge access