Easybank Credit Card
Flexible credit card with no account requirement — successor to the Barclays Visa.
Score: 8.8 / 10 · Very good
Rating: 8.8 / 10 · 9.650 reviews
Best for: Flexible repayment
Overview
The Easybank Kreditkarte 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?
The card is particularly suited to 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 21.21 %).
How the score is calculated
Overall score: 8.8 / 10 · Very good
| Costs (30 %) | 10.0 / 10 |
|---|---|
| Foreign currency (18 %) | 10.0 / 10 |
| Cash worldwide (14 %) | 10.0 / 10 |
| Interest (10 %) | 5.3 / 10 |
| Cashback & bonus (10 %) | 0.0 / 10 |
| Features (6 %) | 1.8 / 10 |
| Community signal (12 %) | 9.0 / 10 |
Interest safeguard: −0.1 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 | 21,21 % |
| 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 21.21 % (for instalment payments). Billing: Monthly billing with optional installment (revolving) repayment.
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This card in our comparisons: Free Credit Cards · Travel Credit Cards · Student Credit Cards · Credit Cards With Instalments
Similar credit cards
- BBVA Credit Card Classic – Fee-free credit card with free worldwide withdrawals and a German IBAN.
- Deutschland-Kreditkarte Classic – Well-known free Visa credit card with no account requirement, recommended by Stiftung Warentest.
- Hanseatic Bank GenialCard – Popular fee-free credit card with free worldwide withdrawals.
- Bank Norwegian Visa – The all-round fee-free travel credit card with no extra checking account.
Frequently asked questions
- What does the Easybank Kreditkarte cost per year?
- The Easybank Kreditkarte has no annual fee on a permanent basis — there are no fixed yearly costs.
- Does the Easybank Kreditkarte charge foreign currency fees?
- No. With the Easybank Kreditkarte you pay no foreign currency fee worldwide.
- Is the Easybank Kreditkarte a genuine credit card?
- Yes, the Easybank Kreditkarte is a genuine credit card with a credit line (effective annual interest 21.21 %).
- Does the Easybank Kreditkarte require a SCHUFA check?
- Yes, easybank runs a SCHUFA credit check for the Easybank Kreditkarte; a negative SCHUFA record can lead to rejection.
- How is money on the Easybank Kreditkarte 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).