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]
^Postbank: V PAY, Retrieved August 22, 2010.
^Sparkasse debit card leaflet Archived 2011-07-19 at the Wayback Machine, Retrieved August 22, 2010.
^VR Bank debit cards picture gallery Archived 2011-07-18 at the Wayback Machine, Retrieved August 22, 2010.
^ING-DiBa: Paying with your card Archived 2008-11-18 at the Wayback Machine
^Commerzbank Banking Portal Archived 2011-07-18 at the Wayback Machine, Retrieved August 22, 2010.
^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.
^"Sparkassen-Card including a new digital co-badge makes mobile payment easier worldwide". Deutscher Sparkassen- und Giroverband. 16 August 2022. Retrieved 4 April 2023.
^Weidner, Markus (2023-01-02). "DKB: Diese Extra-Gebühr trifft ab sofort alle Kunden". www.teltarif.de (in German). Retrieved 2023-11-16.
girocard is an interbank network and debit card service connecting virtually all automated teller machines (ATMs) and banks. It is based on standards and...
co-branded with various national debit card schemes such as the German Girocard or Italy's PagoBancomat. The V Pay debit card system competes with the...
Retrieved June 2, 2020. @girocard (August 25, 2020). "Hallo Apple Pay! Die beliebteste Karte in Deutschland – die #girocard – ist nun auch mit Apple Pay...
transaction is blocked. Germany has a dedicated debit card payment system called girocard which is usually co-branded with V Pay or Maestro depending on the issuing...
their customers. It is not an interbank network but uses the pre-existing girocard network. With more than 7000 ATMs, the cooperating banks' ATM networks...
this option. Germany's banking industry strongly favours its domestic girocard scheme that can be co-badged with Maestro or V-Pay for many years already...
stores accepted only cash (German stores have since accepted domestic Girocard debit cards, and nowadays they also accept such common payment options...
payment in retail costs an average of 24 euro cents, while payments with a girocard cost 30 cents (or often 0.3 to 0.4% of sales plus a transaction fee) and...
collections are much lower. Often retailers such as supermarkets will process Girocards as direct debit (ELV) transactions after performing a real-time risk analysis...
acceptance marks for electronic cash: the electronic cash PIN-Pad and girocard pictograms. The Technical attachment to the eligibility requirements for...
customers. In Germany, the Debit Mastercard is a competitor to the national Girocard. As of March 2015, all four major Greek banks offer a contactless Debit...
European payment schemes such as France's Carte Bancaire and Germany's Girocard. It is supported by the European Commission, and currently comprises fourteen...
which use the ATH network for both ATM and EFTPOS transactions. In Germany Girocard interbank network provides debit card service connecting virtually all...
primarily United Kingdom ones such as Switch and Maestro as well as German girocards. Because the bulk of the account number is determined by the sort code...
2010 through EAPS, LINK opened all UK cash machines to the similar German Girocard scheme operated by Zentraler Kreditausschuss. Similarly the VocaLink agreement...
TAN (mTAN) via SMS and authorizing via app (easyTAN). With Targobank's girocard, customers can also draw cash in France at Crédit Mutuel and Crédit Industriel...
national Girocard debit card/ATM scheme as well as when using a debit card's Maestro or V-Pay facility abroad. Fees for withdrawals within the Girocard scheme...
namely the German Girocard acceptance at Italian Bancomat ATMs, Italian Bancomat card acceptance at German Girocard ATMs and German Girocard acceptance at...
ec-Geldautomaten-System (arrangement on the eurocheque cash machine system – later called Girocard service) Vereinbarung über die Festsetzung einer Höchstgebühr für die Benutzung...
be shut down by 2024, when all remaining cards have been replaced by Girocards with contactless payment functionality. Chipknip FeliCa Octopus card Moneo...
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