Hanseatic Bank GenialCard
Popular fee-free credit card with free cash withdrawals abroad.
Score: 8.9 / 10 · Very good
Rating: 8.2 / 10 · 6.240 reviews
Best for: Fee-free worldwide
Overview
The Hanseatic Bank GenialCard is a genuine credit card from Hanseatic Bank on the Visa network. Popular fee-free credit card with free cash withdrawals abroad. 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: Fee-free worldwide. 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 19.92 %).
How the score is calculated
Overall score: 8.9 / 10 · Very good
| Costs (30 %) | 10.0 / 10 |
|---|---|
| Foreign currency (18 %) | 10.0 / 10 |
| Cash worldwide (14 %) | 10.0 / 10 |
| Interest (10 %) | 5.6 / 10 |
| Cashback & bonus (10 %) | 0.0 / 10 |
| Features (6 %) | 1.8 / 10 |
| Community signal (12 %) | 8.5 / 10 |
Highlights
- Permanently €0 annual fee
- Free cash withdrawals abroad
- No foreign currency fee
- Flexible repayment available
Costs & Fees
| Annual fee | €0 |
|---|---|
| Welcome bonus | — |
| Eff. annual interest | 19.92 % |
| Type | Credit card |
| Network | Visa |
| Issuer | Hanseatic Bank |
There is no annual fee. You pay no surcharge abroad or in foreign currency. Cash withdrawals abroad are free of charge. In Germany, cash withdrawals cost €3.95 per withdrawal. The effective annual interest rate is 19.92 % (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
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 Hanseatic Bank GenialCard cost per year?
- The Hanseatic Bank GenialCard has no annual fee on a permanent basis — there are no fixed yearly costs.
- Does the Hanseatic Bank GenialCard charge foreign currency fees?
- No. With the Hanseatic Bank GenialCard you pay no foreign currency fee worldwide.
- Is the Hanseatic Bank GenialCard a genuine credit card?
- Yes, the Hanseatic Bank GenialCard is a genuine credit card with a credit line (effective annual interest 19.92 %).
- Does the Hanseatic Bank GenialCard require a SCHUFA check?
- Yes, Hanseatic Bank runs a SCHUFA credit check for the Hanseatic Bank GenialCard; a negative SCHUFA record can lead to rejection.
- How is money on the Hanseatic Bank GenialCard protected?
- Statutory deposit guarantee Germany (EdB), up to €100,000. Additionally voluntary BdB deposit protection fund (up to €3 million for private customers, as of 2026).