What does the C24 Smart Debitkarte cost per year?

The C24 Smart Debitkarte has no annual fee on a permanent basis — there are no fixed yearly costs.

Does the C24 Smart Debitkarte charge foreign currency fees?

No. With the C24 Smart Debitkarte you pay no foreign currency fee worldwide.

Is the C24 Smart Debitkarte a genuine credit card?

The C24 Smart Debitkarte is a debit card — transactions are debited directly from your account.

Does the C24 Smart Debitkarte require a SCHUFA check?

Yes, C24 runs a SCHUFA credit check for the C24 Smart Debitkarte; a negative SCHUFA record can lead to rejection.

How is money on the C24 Smart Debitkarte 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.

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 Debitkarte 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?

The card is particularly suited to 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

Our rating methodology

Highlights

Free checking account included
Fee-free payments worldwide
Up to 0.5% PocketScore interest
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. Cash withdrawals are free of charge worldwide. Billing: Immediate deduction from the current account on each payment.

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This card in our comparisons: Free Credit Cards · Travel Credit Cards · Miles & Cashback Credit Cards · Debit Credit Cards

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Frequently asked questions

What does the C24 Smart Debitkarte cost per year?: The C24 Smart Debitkarte has no annual fee on a permanent basis — there are no fixed yearly costs.
Does the C24 Smart Debitkarte charge foreign currency fees?: No. With the C24 Smart Debitkarte you pay no foreign currency fee worldwide.
Is the C24 Smart Debitkarte a genuine credit card?: The C24 Smart Debitkarte is a debit card — transactions are debited directly from your account.
Does the C24 Smart Debitkarte require a SCHUFA check?: Yes, C24 runs a SCHUFA credit check for the C24 Smart Debitkarte; a negative SCHUFA record can lead to rejection.
How is money on the C24 Smart Debitkarte 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.