·
Updated 22. June 2026
·
This content contain affiliate or advertising links. If you click and make a purchase, we may receive a commission. Your price is not affected.
Credit card overview
easybank Kreditkarte
easybank Kreditkarte is a Visa for Germany without a traditional credit line. It can be useful for card payments, online purchases and mobile payments, while transactions are handled without revolving credit.
Card details
Representative example according to PAngV: Net loan amount €1,500. Variable borrowing rate: 19.14% p.a. Effective annual interest rate: 20.91% p.a. Term: 12 months. Number of instalments: 12. Instalment amount: €138.34. Total amount: €1,660.02. Lender: BAWAG AG Niederlassung Deutschland. The easybank Zahlplan may be available from 0.00% p.a. depending on customer relationship, creditworthiness and repayment behaviour.
The easybank Credit Card is a no-annual-fee Visa card issued through BAWAG AG Niederlassung Deutschland. It targets cost-conscious cardholders who want a straightforward revolving credit card with no foreign transaction fees and no cash withdrawal fees worldwide. As a free credit card with broad international usability, it positions itself as a practical everyday and travel option.
Key Details
The card runs on the Visa network, which gives it wide acceptance across Germany, Europe and internationally. It is a true revolving credit card, meaning you can carry a balance from month to month, though interest applies at a variable rate. The lender behind the product is BAWAG AG Niederlassung Deutschland.
One free additional card is included. The card supports Google Pay and Apple Pay but not Samsung Pay. There is no stated minimum annual income requirement, though creditworthiness is still assessed as part of the application process.
Fees, Interest Rates and Limits
| Feature | Detail |
|---|---|
| Annual fee | €0 (permanently free, not just the first year) |
| First year free | Yes |
| Variable borrowing rate | 19.14% p.a. |
| Effective annual interest rate (APR) | 20.91% p.a. |
| Interest-free period | Up to 59 days |
| Foreign transaction fee (card payments) | 0.00% worldwide |
| Foreign transaction fee (special transactions) | 4.00% for casino, lottery, betting office and securities trading platform transactions |
| Cash withdrawal fee | 0.00% worldwide (ATM operators may charge their own fees) |
| Maximum credit limit | Not stated in the provided card information |
| Invoice fee | €0 |
| Reminder fee | €0 |
| Late payment fee | €0 |
| Overdraft fee | €0 |
| Card network | Visa |
| Card type | Revolving credit card |
| Repayment type | Revolving (instalment plan available; rate may vary from 0.00% p.a. depending on customer relationship, creditworthiness and repayment behaviour) |
| Minimum age | 18 |
| Minimum annual income | Not stated (€0 listed, but creditworthiness is assessed) |
| Payment defaults allowed | No |
| Free additional card | Yes |
| Google Pay / Apple Pay / Samsung Pay | Google Pay: Yes | Apple Pay: Yes | Samsung Pay: No |
Interest and Repayment
The easybank Credit Card is a revolving credit card. If you pay your full balance within the interest-free period of up to 59 days, no interest is charged. If you carry a balance, the variable borrowing rate of 19.14% p.a. applies, resulting in an effective annual interest rate of 20.91% p.a.
The representative example provided under PAngV (Preisangabenverordnung, the German price disclosure regulation) illustrates the cost of borrowing: a net loan amount of €1,500 over 12 months at 20.91% p.a. effective annual interest rate results in 12 monthly instalments of €138.34 and a total repayment of €1,660.02.
The easybank Zahlplan (instalment plan) may be available at rates from 0.00% p.a., depending on the customer relationship, creditworthiness and repayment behaviour. This is not a guaranteed rate and will vary by individual. Cardholders who consistently carry a balance should factor the 20.91% APR into their cost calculations.
Foreign Transaction Fees and International Use
The easybank Credit Card charges 0.00% on card payments made in foreign currencies. This applies worldwide, making it a practical option for travellers who want to avoid the typical 1.5%–2.5% foreign currency surcharge that many German cards apply. If you are looking for a travel credit card with no foreign transaction fees, this card meets that criterion.
There is an important exception: transactions at casinos, lottery providers, betting offices and securities trading platforms may incur a 4.00% fee. This applies regardless of the currency used. Cardholders who use their card for these transaction types should account for this surcharge.
Cash Withdrawals
The card charges 0.00% on cash withdrawals at ATMs worldwide. This is notable because many credit cards in Germany charge between 2% and 4% per cash withdrawal, often with a minimum fee. The easybank card removes this issuer-side fee entirely.
However, individual ATM operators — particularly abroad — may apply their own fees independently of the card issuer. These operator fees are outside the card’s control and will vary by location and machine. It is advisable to use ATMs that clearly display no surcharge, or to check the fee before confirming the withdrawal.
It is also worth noting that cash withdrawals on revolving credit cards typically begin accruing interest immediately, without the benefit of an interest-free period. Cardholders should check the specific terms with easybank regarding when interest begins on cash advances.
Card Features
No Annual Fee
The card carries no annual fee on a permanent basis, not just for the first year. There are also no invoice fees, reminder fees, late payment fees or overdraft fees listed in the card information. This makes the cost structure straightforward for cardholders who pay on time.
Free Additional Card
One additional card is available at no extra cost. This can be useful for partners or family members who share a household budget. The additional cardholder must meet the issuer’s requirements, though specific conditions for the supplementary card are not stated in the provided card information.
Mobile Payment
The card supports Google Pay and Apple Pay. Samsung Pay is not supported. Both Google Pay and Apple Pay allow contactless payments via smartphone or smartwatch at NFC-enabled terminals, which are now widely available across Germany and most of Europe.
Visa Network
Visa is accepted at a very large number of merchants and ATMs globally. In Germany, Mastercard and Visa have comparable acceptance. American Express has a noticeably smaller acceptance network in Germany, particularly at smaller retailers and restaurants. The Visa network on this card should not present acceptance issues in most everyday or travel situations.
Eligibility and Application
Applicants must be at least 18 years old. No minimum annual income is stated in the card information, though the issuer will assess creditworthiness as part of the application. Payment defaults are not permitted, meaning applicants with a negative SCHUFA record or a history of missed payments are unlikely to be approved.
In Germany, most credit card applications involve a SCHUFA query. SCHUFA is Germany’s main credit reference agency. A hard inquiry is typically recorded when you apply, and a negative SCHUFA entry — such as an unpaid debt, insolvency or payment default — will generally result in a declined application. If you are unsure about your SCHUFA status, you can request a free annual self-disclosure (Datenkopie) from SCHUFA before applying.
For more detail on what German card issuers typically require, see the guide on how to apply for a credit card in Germany.
German Banking Context
The easybank Credit Card is issued by BAWAG AG Niederlassung Deutschland, the German branch of the Austrian BAWAG Group. As a German-regulated product, it falls under German consumer credit law, including the PAngV disclosure requirements reflected in the representative example above.
Revolving credit cards remain less common in Germany than in the UK or US. Many German cardholders are more familiar with charge cards, which require full monthly repayment, or debit cards linked directly to a Girokonto (current account). A revolving credit card like this one gives more flexibility but requires discipline to avoid high interest costs at the 20.91% APR.
Pros and Cons
| Pros | Cons |
|---|---|
| No annual fee | High APR of 20.91% if balance is carried |
| 0% foreign transaction fee on card payments | 4% fee on casino, lottery, betting and securities transactions |
| 0% cash withdrawal fee worldwide (issuer side) | ATM operators may still charge their own fees |
| Up to 59 interest-free days | No Samsung Pay support |
| Free additional card | Payment defaults not accepted — requires clean credit history |
| Google Pay and Apple Pay supported | Maximum credit limit not disclosed |
| No invoice, reminder, late payment or overdraft fees | No cashback or rewards programme stated |
| Visa network — wide acceptance | Instalment plan rate of 0.00% is not guaranteed |
Who This Card May Suit
The easybank Credit Card may suit residents in Germany who want a permanently free Visa card with no foreign transaction fees and no cash withdrawal fees. It is particularly relevant for frequent travellers who want to avoid currency surcharges and ATM fees abroad.
It is less suitable for cardholders who regularly carry a balance, given the 20.91% effective annual interest rate. Those who pay their balance in full each month will benefit most from the fee-free structure and the 59-day interest-free period.
Applicants need a clean credit history. Those with SCHUFA entries or payment defaults should consider a prepaid credit card as an alternative, since prepaid cards do not involve a credit check.
Things to Check Before Applying
The maximum credit limit is not stated in the provided card information. Limits are typically assigned individually based on creditworthiness, income and SCHUFA data. Applicants with a specific limit requirement should confirm this directly with easybank before applying.
The instalment plan (easybank Zahlplan) rate of 0.00% p.a. is conditional on customer relationship, creditworthiness and repayment behaviour. It is not a guaranteed rate. The standard rate of 20.91% APR applies unless a lower rate is specifically offered.
Terms on revolving credit cards can change over time. The interest rate listed is variable, meaning it may be adjusted by the issuer. Cardholders should review any notifications from easybank regarding rate changes, as these will affect the cost of carrying a balance.
Insurance benefits, rewards programmes and other ancillary features are not mentioned in the provided card information. Applicants who want travel insurance, purchase protection or cashback should verify whether any such benefits are included before applying.