We have a national network in Germany. It’s called girocard and has debit cards only. You get one from your bank by default for every checking account. Transact

We have a national network in Germany. It’s called girocard and has debit cards only. You get one from your bank by default for every checking account. Transaction fees are very low at ~0.25%. They double as an ATM card and are usually co-branded with either Maestro or V-Pay so you can use them internationally. Of course they’re not perfect and are often behind MC/Visa when it comes to new features like contactless, tokenization, etc., but it’s still a great little system.