girokarte
A girokarte is a type of debit card primarily used in Germany and Austria. It functions as an electronic cash or EC card, allowing cardholders to make purchases directly from their bank account. When a girokarte is used for a transaction, the funds are immediately debited from the linked account. This means that unlike a credit card, a girokarte cannot be used to spend money that is not currently available in the account.
Girokarten are widely accepted at most retailers in Germany and Austria, particularly for smaller purchases. They