Girocard is a German equivalent of a bank-issued debit card using which you can withdraw cash from ATMs and pay cashlessly at point-of-sale (POS) terminals. Previously known as EC-Karte, the terms girocard and EC card are often used synonymously.

N26 doesn’t offer a card with Girocard functionality. The two standard cards you can request from N26 are: debit card running on the Maestro network. debit card running on the Mastercard network.

About girocard The brand “girocard” unites the electronic payment system “electronic cash” and the “Deutsche Geldautomaten-System” (German ATM system). It allows cardholders to withdraw cash at around 60,000 ATMs nationwide and to pay cashlessly at point-of-sale (POS) terminals.

From now on, all Sparkasse customers who are also Apple users will be able to use their Sparkassen girocard in the Apple Pay Wallet to pay in online stores and apps.

You find the CVC or CVV on the back of your credit card (Mastercard, Visa). They are the last three numbers of the number combination printed level with the signature box.

Germans will now be able to use their girocards to withdraw cash across the UK. No other scheme can match this breadth of access or convenience in the UK.”

As of today, all of our point of sale terminals can accept girocard, single or co-branded, whether in Germany or abroad.

An EC card is a Euro-Cheque card with a 4-digit personal PIN number which is issued by your bank and can be used to withdraw cash from most ATM cash machines in Europe. ATM cash withdrawals from your bank (or associated banks or branches) are free.

Your CVV is the three-digit number available on the back side of your debit card. If you’re using a Virtual Debit Card (for 811 customers only), you’ll need to click on the debit card image to flip and see the three-digit CVV number.

Maestro is only issued as a debit card, which means it’s tied directly to your account, and the money is posted immediately after a transaction. The Maestro card is often mistakenly called an EC (electronic cash) card, which is only issued by the German Banking Industry Committee (Deutsche Kreditwirtschaft).

In 2007, the German Banking Industry Committee introduced “Girocard” as a common name for electronic cash and the German ATM network. Girocard purports to be SEPA -compliant, even though cards are only issued and accepted within Germany.

Previously known as EC-Karte, the terms girocard and EC card are often used synonymously. Since it is a debit card, payments and cash withdrawals using Girocard are immediately debited directly from your account. Girocard is a standard card issued with a German bank account.

This symbol stands for the GeldKarten function. With the GeldKarte chip of your girocard, you can top-up the chip with cash and then pay on machines which accept chip payment. Unlike debit card payment, the chip function of GeldKarte technology does not need internet connectivity.

When you are asked in Germany whether you want to pay by card, the cashier usually means paying with your girocard in combination with entering your PIN. To do so, insert your card into the terminal and enter your PIN when the terminal asks you to. The money will be withdrawn directly from your account.