C24 Smart Debit Card
Free debit card with the C24 Smart account and fee-free payments worldwide.
Score: 9.2 / 10 · Excellent
Rating: 8.4 / 10 · 3.410 reviews
Best for: Free checking account
Overview
The C24 Smart Debit Card is a debit card from C24 on the Mastercard network. Free debit card with the C24 Smart account and fee-free payments worldwide. It comes with no annual fee on a permanent basis and also waives the usual foreign currency fee abroad.
Who is it for?
Our take: Free checking account. Its strengths lie in travel and use abroad, cashback (0.05 %) and mobile payments. It is issued with a German IBAN. As a debit card, transactions are debited directly from your account.
How the score is calculated
Overall score: 9.2 / 10 · Excellent
| Costs (30 %) | 10.0 / 10 |
|---|---|
| Foreign currency (18 %) | 10.0 / 10 |
| Cash worldwide (14 %) | 10.0 / 10 |
| Interest (10 %) | 7.5 / 10 |
| Cashback & bonus (10 %) | 0.1 / 10 |
| Features (6 %) | 3.6 / 10 |
| Community signal (12 %) | 8.6 / 10 |
Highlights
- Free checking account included
- Fee-free payments worldwide
- 4 free withdrawals worldwide per month, then €2
- German IBAN
Costs & Fees
| Annual fee | €0 |
|---|---|
| Welcome bonus | — |
| Eff. annual interest | — |
| Type | Debit card |
| Network | Mastercard |
| Issuer | C24 |
Cashback: 0.05% standard, up to 2% in CHECK24 shopping
There is no annual fee. You pay no surcharge abroad or in foreign currency. A fee of €2 per withdrawal applies to cash worldwide (4 withdrawals/month free). Billing: Immediate deduction from the current account on each payment.
Redirect to provider · non-binding
This card in our comparisons: Free Credit Cards · Travel Credit Cards · Miles & Cashback Credit Cards · Debit Credit Cards
Related guides: Foreign fee study 2026: what credit cards cost abroad · Using a credit card abroad: how to avoid fees · Student credit cards in Germany: what matters
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Frequently asked questions
- What does the C24 Smart Debit Card cost per year?
- The C24 Smart Debit Card has no annual fee on a permanent basis — there are no fixed yearly costs.
- Does the C24 Smart Debit Card charge foreign currency fees?
- No. With the C24 Smart Debit Card you pay no foreign currency fee worldwide.
- Is the C24 Smart Debit Card a genuine credit card?
- The C24 Smart Debit Card is a debit card — transactions are debited directly from your account.
- Does the C24 Smart Debit Card require a SCHUFA check?
- Yes, C24 runs a SCHUFA credit check for the C24 Smart Debit Card; a negative SCHUFA record can lead to rejection.
- How is money on the C24 Smart Debit Card protected?
- Statutory deposit guarantee Germany (EdB), up to €100,000. No voluntary BdB top-up. C24 Bank GmbH is a fully BaFin-licensed direct bank.