Girocard

girocard
Operating areaGermany
Members2,000
ATMs54,000
Websitewww.girocard.eu

girocard is an interbank network and debit card service connecting virtually all automated teller machines (ATMs) and banks. It is based on standards and agreements developed by the German Banking Industry Committee.

German girocards are commonly co-branded with Mastercard's Maestro/Cirrus or Visa's V Pay logo, allowing cardholders to use them in other European countries.[1][2][3][4][5] As another co-badging option, combined girocard/JCB cards were introduced in 2016.[6]

The Deutscher Sparkassen- und Giroverband (German Savings Banks Association) has announced that upcoming Sparkassen-Cards will also function as full Debit Mastercard or Visa Debit cards in addition to girocards and will have a 16-digit Mastercard/Visa number to pay online.[7] Some banks are phasing out girocards. DKB, for instance, starting in 2023 issues its customers a Visa Debit card and charges extra for a Girocard.[8]

  1. ^ Postbank: V PAY, Retrieved August 22, 2010.
  2. ^ Sparkasse debit card leaflet Archived 2011-07-19 at the Wayback Machine, Retrieved August 22, 2010.
  3. ^ VR Bank debit cards picture gallery Archived 2011-07-18 at the Wayback Machine, Retrieved August 22, 2010.
  4. ^ ING-DiBa: Paying with your card Archived 2008-11-18 at the Wayback Machine
  5. ^ Commerzbank Banking Portal Archived 2011-07-18 at the Wayback Machine, Retrieved August 22, 2010.
  6. ^ JCB: PayCenter GmbH stellt die erste JCB-girocard Co-badged Karte in Deutschland vor Archived 2016-08-21 at the Wayback Machine, German, Retrieved August 11, 2016.
  7. ^ "Sparkassen-Card including a new digital co-badge makes mobile payment easier worldwide". Deutscher Sparkassen- und Giroverband. 16 August 2022. Retrieved 4 April 2023.
  8. ^ Weidner, Markus (2023-01-02). "DKB: Diese Extra-Gebühr trifft ab sofort alle Kunden". www.teltarif.de (in German). Retrieved 2023-11-16.