In Austria you can't really get these debit cards, and my understanding is that it's pretty difficult to get them in Germany as well. People here get useless M

In Austria you can't really get these debit cards, and my understanding is that it's pretty difficult to get them in Germany as well. People here get useless Maestro debit cards. You can only get Visa/Mastercard credit cards. And very few people do, usually only people who travel to the US bother.