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I'd wager that about 90 % of "credit card transactions" in Germany are actually Girocard transactions. Virtually every bank card is a Girocard.

• freeflight 7y ago
  Depending on your bank, it's quite the opposite, particularly when you want to draw cash from an ATM. With a Girocard, you have to go to a specific brand of bank or hope they are in your "cash group" or else you will pay a hefty fee. But some banks offer to withdraw from any ATM using their VISA CC with no fees at all. For years I've been using this to get cash without much of a hassle and pay for stuff I'd otherwise probably pay for with my Girocard. Makes me wonder if my cash withdrawals are counted as CC transactions?
  • majewsky 7y ago
    That should be easy to figure out by looking whether the transaction shows up in the checking account or in the credit card account.
    • freeflight 7y ago
      The money is taken from the CC account, so I guess that would make it a CC transaction when I draw money to pay in cash? That's kinda funny lol
  • aeyes 7y ago
    Most of these "credit cards" in Germany aren't really credit cards though. They take the money from your account immediately instead of sending you a monthly statement and letting you decide how much you want to pay towards your credit.
    • kzrdude 7y ago
      In general they are debit cards, yes, and I think that everyone means is debit or credit cards or equivalent.