More payment methods

Girocard

Girocard is the leading debit card payment system in Germany, with more than 100 million cards in circulation.  

% of coverage
  • Country

    Germany

  • Population

    83 million

  • Number of Internet users

    77,7 million

  • 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).

% of coverage
  • Credit Card

    15%

  • Debit Card

    40%

  • E-wallets

    20%

  • Cash Payments

    15%

  • Bank Transfers

    8%

  • Other

    2%

Payment Method Overview
  • 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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