Hanseatic Bank GenialCard

The GenialCard from Hanseatic Bank is one of the best free credit cards currently available in Germany. Why? Withdrawing money and making payments with this credit card is free of charge worldwide, even in foreign currencies. This makes the GenialCard ideal for travelling and shopping – and permanently without any fees.

  • Kostenlose Kreditkarte
  • Dauerhaft ohne Jahresgebühr
  • Kostenlose Abhebungen weltweit
  • Keine Gebühren im Ausland
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Chances are you’ve never heard of Hanseatic Bank. However, this is an absolutely reputable company that was founded back in 1969 by the mail order company OTTO in order to be able to offer customers instalment payments. In 2005, the majority of the bank was sold to the French bank Société Générale.

In addition to the free GenialCard, HanseaticBank also offers a Gold Card, which also includes travel, international health and smartphone insurance.

What are the advantages of the GenialCard?

  • free withdrawals worldwide
  • free payments in foreign currency
  • no account change necessary
  • easy billing
  • cashback for travel bookings and at online retailers
  • no interest in the first 3 months (when using the instalment facility)

Probably the biggest advantage of the GenialCard is that Hanseatic Bank does not charge any fees for payments in foreign currencies (e.g. Swiss francs, US dollars). In combination with the possibility to withdraw money worldwide free of charge, this is an advantage that no other free credit card offers.

With this you can save a lot of money during stays abroad, because

As with the

What are the disadvantages of the GenialCard?

There are no real disadvantages with the GenialCard. The credit card is permanently free of charge and also the withdrawal of money is free of charge worldwide. There are even no fees when paying in foreign currency.

However, you should make sure that you do not use the so-called installment facility. This is a kind of overdraft facility that allows you to pay your credit card bill later. In certain cases, this can be useful, but the interest rate of 13.6 percent is very high. It’s best to switch the payment agreement to direct debit right from the start.

What the GenialCard does not offer are extensive additional services such as an insurance package or a real cashback system. These services are only available with premium credit cards with an annual fee.


The free GenialCard from Hanseatic Bank is still relatively unknown, but it is one of the best credit cards in Germany. All important services are free of charge worldwide (no annual fee, no fee when withdrawing money, no fee when paying in foreign currency), so it is especially recommended as a travel credit card. There are no hidden costs, so we can recommend the credit card without reservation.

Bewertung der Redaktion: (5 von 5)
  • Kostenlose Kreditkarte
  • Dauerhaft ohne Jahresgebühr
  • Kostenlose Abhebungen weltweit
  • Keine Gebühren im Ausland
Zum Antrag ❯
Vergleichen ❯

Fragen und Antworten (FAQ)

Ist die Hanseatic Bank GenialCard kostenlos?

Ja, es handelt sich tatsächlich um eine 100% kostenlose Kreditkarte. Dies gilt dauerhaft: sowohl im ersten Jahr wie auch in allen Folgejahren muss keine Jahresgebühr bezahlt werden.

Was kostet Geld abheben mit der Hanseatic Bank GenialCard ?

Das Abheben von Geld am Gelautomaten ist mit der GenialCard weltweit gebührenfrei. Dies gilt aich für das Abheben von Geld in Ländern mit einer anderen Währung, z.B. den USA oder der Schweiz.


Alle Gebühren, Leistungen und Besonderheiten im Überblick:

Bank Hanseatic Bank
Gebühren im 1. Jahr0,00 Euro
Habenzins0,00 %
Sollzins13,60 %
Versicherungen enthaltennein
  • dauerhaft gebührenfrei
  • Rabattleistungen
  • Bonusprogramm