Easybank Credit Card
Flexible credit card with no account requirement — successor to the Barclays Visa.
Score: 8.7 / 10 · Very good
Rating: 8.8 / 10 · 9.650 reviews
Best for: Flexible repayment
Overview
The Easybank Credit Card is a genuine credit card from easybank on the Visa network. Flexible credit card with no account requirement — successor to the Barclays Visa. 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 travel and use abroad 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 21.51 %).
How the score is calculated
Overall score: 8.7 / 10 · Very good
| Costs (30 %) | 10.0 / 10 |
|---|---|
| Foreign currency (18 %) | 10.0 / 10 |
| Cash worldwide (14 %) | 10.0 / 10 |
| Interest (10 %) | 5.2 / 10 |
| Cashback & bonus (10 %) | 0.0 / 10 |
| Features (6 %) | 1.8 / 10 |
| Community signal (12 %) | 9.0 / 10 |
Interest safeguard: −0.2 points due to high effective interest on installments.
Highlights
- €0 annual fee
- No foreign currency fee
- No extra checking account required
- Successor of the Barclays Visa
Costs & Fees
| Annual fee | €0 |
|---|---|
| Welcome bonus | — |
| Eff. annual interest | 21.51 % |
| Type | Credit card |
| Network | Visa |
| Issuer | easybank |
There is no annual fee. You pay no surcharge abroad or in foreign currency. Cash withdrawals are free of charge worldwide. The effective annual interest rate is 21.51 % (for instalment payments). Billing: Monthly billing with optional installment (revolving) repayment.
Redirect to provider · non-binding
This card in our comparisons: Free Credit Cards · Travel Credit Cards · Student Credit Cards · Credit Cards With Instalments
Related guides: Foreign fee study 2026: what credit cards cost abroad · Rental car deposits with a credit card · How to apply for a credit card in Germany
Similar credit cards
- Hanseatic Bank GenialCard – Popular fee-free credit card with free cash withdrawals abroad.
- Deutschland-Kreditkarte Classic – Well-known free Visa credit card with no account requirement, recommended by Stiftung Warentest.
- Bank Norwegian Visa – The all-round fee-free travel credit card with no extra checking account.
- awa7 Visa – Sustainable free credit card — a tree is planted for every payment.
Frequently asked questions
- What does the Easybank Credit Card cost per year?
- The Easybank Credit Card has no annual fee on a permanent basis — there are no fixed yearly costs.
- Does the Easybank Credit Card charge foreign currency fees?
- No. With the Easybank Credit Card you pay no foreign currency fee worldwide.
- Is the Easybank Credit Card a genuine credit card?
- Yes, the Easybank Credit Card is a genuine credit card with a credit line (effective annual interest 21.51 %).
- Does the Easybank Credit Card require a SCHUFA check?
- Yes, easybank runs a SCHUFA credit check for the Easybank Credit Card; a negative SCHUFA record can lead to rejection.
- How is money on the Easybank Credit Card protected?
- Statutory deposit guarantee Austria (Einlagensicherung AUSTRIA GmbH, ESA), up to €100,000. Additional voluntary BdB fund (up to €3 million). easybank is a brand of BAWAG AG (formerly Barclays Bank Ireland PLC Hamburg Branch).