Client and Credit Cards

With your Mastercard® and debit card, you can access cash anytime, anywhere. Depending on merchant acceptance and the specific card, you can also use them to pay for purchases directly in-store or when shopping online.

Mastercard® Debitcard

Benefit in the future from the many advantages of a high-performance credit card.

To this end, we offer you Mastercard® Gold or Mastercard® Business Gold — each including an attractive package of benefits and insurance coverage.

Here you will find information regarding the Mastercard® you received before May 11, 2026.

Good reasons for a Mastercard®

Apple Pay or Android App

Mobile payment via smartphone is a standard feature of your new credit card. This allows you to pay quickly and contactlessly simply by holding your smartphone against the payment terminal — cashless, convenient, and secure.

The prerequisites for this are enrollment in online banking, a valid TAN verification method (via the "SecureGo plus" app), and an NFC-enabled smartphone. Mobile payments can be made even without an internet connection.

For Apple users, we now also offer Apple Pay as a payment option. Apple Pay is the integrated payment system for all Apple devices. Simply add your card to the pre-installed Wallet app and start paying with your smartphone.

If you wish to make payments using an Android device, please use the "Digitales Bezahlen" app going forward, rather than Google Pay. The "Digitales Bezahlen" Android app enables you to use digital credit and debit cards.

Mastercard® Gold 
With your Mastercard® Gold, you enjoy attractive insurance benefits.

  • Travel service insurance
    Worldwide 24 hours emergency assistance when travelling abroad.
  • Overseas travel health insurance
    Reimbursement of costs for necessary medical treatment abroad in the event of acute illness or accidental injury.
  • Travel cancellation and trip interruption insurance
    Reimbursement of cancellation or return travel costs if a trip cannot be started or has to be cut short for reasons covered by insurance.
  • Transport accident insurance
    Worldwide coverage when using, for example, aircrafts, rental cars, trains or staying in hotels – as long as the trip is paid for by using the card.
  • Overseas vehicle assistance insurance
    Organisational and/or financial assistance in the event of a breakdown, accident or vehicle theft abroad – including rental cars.

 

Mastercard® Business Gold (additional)

  • Travel baggage insurance
    Reimbursement of the current value of baggage in the event of damage or loss, for instance due to theft or accident.
  • Flight delay insurance
    Reimbursement of expenses incurred due to unexpected travel interruptions or delays.

 

Mastercard® Exclusive (additional)

  • Travel baggage Insurance
    Reimbursement of the current value of baggage in the event of damage or loss, for instance due to theft or accident.

 

Insurance Terms and Conditions Mastercard Business Gold

  • Use at more than 45 million locations and ATMs worldwide
  • Reduced risk through individual monthly spending limits
  • Online purchases are protected by the 3D Secure authentication
  • Contactless payments wherever you see the contactless symbol 
  • Mobile payments with Apple Pay or the according Android app 
  • Bonus program for cardholders overview
  • Attractive discounts: Europcar offers a 10% discount when booking a rental car.
    Please quote Contract ID 472 38 475 
  • Cards made from recycled material with climate-friendly delivery

With the new cards, we are taking another step towards sustainability.

Besides its modern design, your new card is manufactured from 100% recycled material.

We have arranged with our card producer to switch future mailings to the climate-friendly “GoGreen” service, which is offered by Deutsche Post AG. CO2 emissions generated during transport are offset through investments in recognised climate protection projects.

Mastercard has launched the “Priceless Planet Coalition”, a global climate protection initiative that is committed to restoring forest landscapes through several projects.

Mastercard® Debit

With the Mastercard® Debit, you enjoy many features — such as worldwide acceptance and the ability to make mobile payments using your smartphone.

Everything you need to know about the Mastercard® Debit

Apple Pay or Android App

Mobile payment via smartphone is a standard feature of your new credit card. This allows you to pay quickly and contactlessly simply by holding your smartphone against the payment terminal — cashless, convenient, and secure.

The prerequisites for this are enrollment in online banking, a valid TAN verification method (via the "SecureGo plus" app), and an NFC-enabled smartphone. Mobile payments can be made even without an internet connection.

For Apple users, we now also offer Apple Pay as a payment option. Apple Pay is the integrated payment system for all Apple devices. Simply add your card to the pre-installed Wallet app and start paying with your smartphone.

If you wish to make payments using an Android device, please use the "Digitales Bezahlen" app going forward, rather than Google Pay. The "Digitales Bezahlen" Android app enables you to use digital credit and debit cards.

Protection against liability in the event of unauthorised use
Your new Mastercard® debit card is equipped with modern security features. This minimises your risk in the event of unauthorized payments. 

Shop online with enhanced security 
You may already be familiar with the 3D Secure authentication from your credit card. When shopping online with your new Mastercard® debit card, this protection will also apply. However, this requires a one-time registration. You can find the details here.

Reporting of your transactions
Your transactions are charged to your account in short order and are subsequently visible in your online banking or on your account statement.

Easily block and unblock your card yourself
You can block your new debit card in your online banking and unblock it again, if necessary.
A notification of the bank is not required any longer. 

  • Use at more than 45 million locations and ATMs worldwide
  • Free cash withdrawals at participating supermarkets and retail shops
  • Reduced risk through individual spending limits
  • Liability waiver insurance: Coverage in case of unauthorised transactions
  • Online purchases are protected by the 3D Secure authentication
  • Contactless payments wherever you see the contactless symbol 
  • Mobile payments with Apple Pay or the according Android app 
  • Cards made from recycled material with climate-friendly delivery

With the new cards, we are taking another step towards sustainability.

Besides its modern design, your new card is manufactured from 100 % recycled material.
We have arranged with our card producer to switch future mailings to the climate-friendly “GoGreen” service, which is offered by Deutsche Post AG. CO2 emissions generated during transport are offset through investments in recognised climate protection projects.

Mastercard® has launched the “Priceless Planet Coalition”, a global climate protection initiative that is committed to restoring forest landscapes through several projects.

3D Secure Registration

The 3D Secure procedure offers protection for your online purchases using your Mastercard® and Mastercard® Debit. A one-time registration is required.

To registration