Hanseatic Bank Goldcard
Gold debit card with travel insurance — free in the first year.
Score: 7.1 / 10 · Good
Rating: 8.0 / 10 · 1.340 reviews
Best for: Insurance coverage
Overview
The Hanseatic Bank Goldcard is a genuine credit card from Hanseatic Bank on the Visa network. Gold debit card with travel insurance — free in the first year. The annual fee is €58.8 (free in the first year) and also waives the usual foreign currency fee abroad.
Who is it for?
The card is particularly suited to insurance coverage. Its strengths lie in travel and use abroad, travellers who need insurance 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 25.49 %).
How the score is calculated
Overall score: 7.1 / 10 · Good
| Costs (30 %) | 5.3 / 10 |
|---|---|
| Foreign currency (18 %) | 10.0 / 10 |
| Cash worldwide (14 %) | 10.0 / 10 |
| Interest (10 %) | 4.3 / 10 |
| Cashback & bonus (10 %) | 0.0 / 10 |
| Features (6 %) | 5.2 / 10 |
Highlights
- Free in the 1st year
- Travel insurance included
- Free withdrawals worldwide
- No foreign currency fee
Costs & Fees
| Annual fee | 58,8 € |
|---|---|
| Welcome bonus | — |
| Eff. annual interest | 25,49 % |
| Type | Credit card |
| Network | Visa |
| Issuer | Hanseatic Bank |
The annual fee is €58.8, with the first year free. You pay no surcharge abroad or in foreign currency. Cash withdrawals are free of charge worldwide. The effective annual interest rate is 25.49 % (for instalment payments). Billing: Immediate deduction from the current account on each payment.
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This card in our comparisons: Travel Credit Cards · Credit Cards With Insurance · 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.
- Easybank Credit Card – Flexible credit card with no account requirement — successor to the Barclays Visa.
Frequently asked questions
- What does the Hanseatic Bank Goldcard cost per year?
- The Hanseatic Bank Goldcard costs €58.8 per year; it is free in the first year.
- Does the Hanseatic Bank Goldcard charge foreign currency fees?
- No. With the Hanseatic Bank Goldcard you pay no foreign currency fee worldwide.
- Is the Hanseatic Bank Goldcard a genuine credit card?
- Yes, the Hanseatic Bank Goldcard is a genuine credit card with a credit line (effective annual interest 25.49 %).
- Does the Hanseatic Bank Goldcard include travel insurance?
- Yes, the Hanseatic Bank Goldcard includes travel insurance benefits. The provider specifies the exact scope in the terms.
- Does the Hanseatic Bank Goldcard require a SCHUFA check?
- Yes, Hanseatic Bank runs a SCHUFA credit check for the Hanseatic Bank Goldcard; a negative SCHUFA record can lead to rejection.
- How is money on the Hanseatic Bank Goldcard 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).