Consors Finanz Mastercard
Free Mastercard with no foreign currency fee and flexible repayment: now, later or in instalments.
Score: 8.0 / 10 · Good
Rating: 8.0 / 10 · No reviews yet
Best for: Flexible repayment
Overview
The Consors Finanz Mastercard is a genuine credit card from Consors Finanz on the Mastercard network. Free Mastercard with no foreign currency fee and flexible repayment: now, later or in instalments. 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: Flexible repayment. Its strengths lie in payments in foreign currency and mobile payments. It is issued without a German IBAN, so no additional checking account is strictly required. As a genuine credit card it offers a credit line (effective annual interest 20.9 %).
How the score is calculated
Overall score: 8.0 / 10 · Good
| Costs (30 %) | 10.0 / 10 |
|---|---|
| Foreign currency (18 %) | 10.0 / 10 |
| Cash worldwide (14 %) | 5.0 / 10 |
| Interest (10 %) | 5.4 / 10 |
| Cashback & bonus (10 %) | 0.0 / 10 |
| Features (6 %) | 1.8 / 10 |
| Community signal (12 %) | 6.9 / 10 |
Interest safeguard: −0.1 points due to high effective interest on installments.
Highlights
- No annual fee, permanently
- No foreign currency fee
- Up to 90 days interest-free (pay later)
- Free cash from €300, otherwise €3.95
Costs & Fees
| Annual fee | €0 |
|---|---|
| Welcome bonus | — |
| Eff. annual interest | 20.9 % |
| Type | Credit card |
| Network | Mastercard |
| Issuer | Consors Finanz |
There is no annual fee. You pay no surcharge abroad or in foreign currency. A fee of €3.95 per withdrawal applies to cash worldwide (free from €300). The effective annual interest rate is 20.9 % (for instalment payments). Billing: Pay now (daily direct debit), later (up to 90 days interest-free) or in instalments (at least 2.8%, min. €9.10).
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This card in our comparisons: Free Credit Cards · Student Credit Cards · Credit Cards With Instalments · Mastercard Credit Cards Compared
Related guides: Foreign fee study 2026: what credit cards cost abroad · How to apply for a credit card in Germany · Credit card fees and how to avoid them
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Frequently asked questions
- What does the Consors Finanz Mastercard cost per year?
- The Consors Finanz Mastercard has no annual fee on a permanent basis — there are no fixed yearly costs.
- Does the Consors Finanz Mastercard charge foreign currency fees?
- No. With the Consors Finanz Mastercard you pay no foreign currency fee worldwide.
- Is the Consors Finanz Mastercard a genuine credit card?
- Yes, the Consors Finanz Mastercard is a genuine credit card with a credit line (effective annual interest 20.9 %).
- Does the Consors Finanz Mastercard require a SCHUFA check?
- Yes, Consors Finanz runs a SCHUFA credit check for the Consors Finanz Mastercard; a negative SCHUFA record can lead to rejection.
- How is money on the Consors Finanz Mastercard protected?
- Credit card without a deposit account, so no deposit guarantee applies. Issuer: BNP Paribas S.A. German branch (Consors Finanz), Munich; supervised by the ECB, BaFin and ACPR.