Inside Germany I can get by without Visa/Mastercard, only relying on SEPA transfers (often aided by PayPal) for online purchases and Girocard/EC-Karte on the st

Inside Germany I can get by without Visa/Mastercard, only relying on SEPA transfers (often aided by PayPal) for online purchases and Girocard/EC-Karte on the street. But even inside the EU, as soon as I leave Germany, my Girocard has to magically become a "Maestro" card to be useable.