girocard Card

pmt_girocard

girocard is Germany's domestic debit-card scheme, used for purchases from a linked bank account. Physical cards and digital-wallet versions connect consumers with retail terminals, while issuer and acceptance arrangements determine available co-brands and other card functions.

Use cases:
Initiation:
Users
51M
Markets
1
TPV
$31B
Transactions
743M

Estimated Monthly Usage, Aurato Research, October 2026

Historical trends

Capabilities

Initiation & Authentication
Funding & Requirements
Processing & Settlement
Transaction Management
Refunds & Disputes
Additional native capabilities

Markets

Estimated Monthly Usage, Aurato Research, October 2026

PSPs

Schemes

Compliance

Standards