The Debit Card: the practical all-rounder

by Admin | July 1, 2021
The Debit Card: the practical all-rounder

Make cashless and secure payments with your girocard, also known as a debit card: Benefit from the versatile services of a Debit Card.

Your advantages with a Debit Card

  • Make cashless and contactless payments at many stores, service outlets and gas stations
  • Pay with your mobile device1 - in stores and service stations that accept contactless payments
  • Choose your own personal identification number (PIN)
  • Withdraw money free of charge nationwide at around 17,300 ATMs at many Volksbanken Raiffeisenbanken banks
  • Print account statements at numerous Volksbanken and Raiffeisenbanken statement printers
  • Benefit from the service of a bank that is committed to cooperative values

How your Debit Card works

The Debit Card is a so-called Giro Card. So that you can immediately recognize where you can pay with the Debit Card, you will find the Debit Card symbol at the points of acceptance. Card transactions are debited directly from your checking account. The limit up to which you can pay with your Debit Card or receive cash withdrawals depends on your bank. Often, the withdrawal limit is limited for security reasons. Please note that there may be a daily or weekly limit. A member of staff at your local Volksbank Raiffeisenbank will be happy to advise you on this. If necessary, he or she can also increase the limit for individual purchases.

Use your Debit Card for a wide range of services

Whether you're shopping for groceries or visiting a beauty salon, you can use your Debit Card to make cashless small-value payments at almost any retailer - with or without a PIN. It's easy, secure and convenient. What's more, you can make contactless payments or mobile payments with your smartphone1 in a particularly hygienic way. This is how you protect yourself and the staff at the supermarket checkout in times of the Corona crisis. Use your Debit Card to withdraw cash from ATMs directly in your vicinity and check your account balance at any time. This way, handling your money remains flexible and transparent for you.


Loss of your Debit Card

If your debit card is lost or stolen, have it blocked immediately - either at your bank or by calling the central blocking service on +49 116 116, which is free of charge in the USA. Abroad, the charges depend on the foreign network operator. In this way, you can prevent misuse and avoid financial loss. If your card is stolen, always report it to the local police.

Apply for a new card

Before your Debit Card expires, you will automatically receive a new one from your bank. If it is lost or stolen, you can apply for a replacement yourself. Ask your Bank of America for more information.

Benefit from additional services with a credit card

With a credit card, you are particularly flexible. You can use your Visa or Mastercard® to make convenient payments or withdraw money at over 30 million points of acceptance in the USA and abroad. You can also use your credit card to shop at all leading online retailers worldwide. You benefit from many additional services, a comprehensive security package and the option to choose an individual design for your credit card.


Golden Debit Card for members

With the golden Debit Card, members enjoy special benefits. As a cardholder, you receive discounts and special service offers from partners in the region and nationwide.

Questions and answers about the girocard

How can I use my girocard (debit card) to make cashless payments or withdraw cash abroad?

Depending on which debit card you have, different functions are available to you. The girocard Maestro (debit card) is accepted at many merchants worldwide. Cash withdrawals are also possible worldwide. With the girocard V PAY (debit card), payments are possible in other European countries at any merchant - who offers payment with V PAY - as well as cash withdrawals throughout Europe. You cannot use a debit card without one of the aforementioned logos abroad.

When traveling abroad, be sure to have a complementary means of payment with you. Benefit from the additional services of a Mastercard or Visa debit or credit card. With a Mastercard® or Visa card, you can also shop at many online merchants worldwide.

What are the costs for a debit card?

You can find specific offers, conditions and information about your debit card at one of our more than 8,500 branches or on the website of your local Bank. Simply enter your zip code or a city in the branch search and all information about your Bank will be displayed.

How do I protect myself from fraud?

You should always observe the following basic rules:

  • Never keep your girocard and the corresponding PIN in the same place.
  • Memorize your PIN well and destroy the PIN notification letter.
  • Check your account statements regularly. This way, you will quickly notice any unusual debits.
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