Girocard
Girocard is the leading debit card payment system in Germany, with more than 100 million cards in circulation.
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Country
Germany
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Population
83 million
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Number of Internet users
77,7 million
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Popular payment methods
Digital wallets (PayPal, Apple Pay, Google Pay), Credit/Debit cards (Girocard, Visa, Mastercard), Bank Transfers (SOFORT, Giropay), and Buy Now Pay Later (Klarna).
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Credit Card
15%
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Debit Card
40%
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E-wallets
20%
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Cash Payments
15%
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Bank Transfers
8%
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Other
2%
- TypeDebit Card Payment System
- Currency:Euro (EUR)
- % of coverage: > 68% of all card payments in Germany
- Money transfers to date:> 6.7 billion transactions annually
- Total customers:100 million
- Refunds:Yes
- Chargebacks:Yes
Girocard
Launched by the German Banking Industry Committee (GBIC), Girocard enables cashless payments and ATM withdrawals, accounting for over 68% of card payments in the country.
One of Girocard’s advantages is its strong network of 1 million payment terminals and widespread use at POS locations, ensuring ease of access for both consumers and merchants. It is co-branded with Visa (V-Pay) or MasterCard (Maestro), allowing it to be used for international payments as well.
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