Why isn’t the Girocard simply abolished?
The Girocard (formerly EC card) is the most popular in Germany, but it offers the fewest functions.
Since Maestro was discontinued, some cards now have Girocard and Visa/Mastercard combined as one card.
But why not switch completely to Visa and Mastercard? As has been done in the Netherlands and as is already the case in most other countries around the world. In Great Britain, Ireland, Denmark, Sweden, the USA, and many other countries, Visa and Mastercard are the only accepted cards. And not as credit cards, but as regular debit cards.
Why not in Germany too? It can be used to pay worldwide, including online. The Girocard is outdated.
What do you think?
I no longer have a Girocard. I have a German N26 account and an account in Ireland. And the German N26 bank doesn't issue Girocards. Only debit Mastercards.
I never need a debit card. Occasionally, a merchant only accepts debit cards. Those are Stone Age businesses.
So why isn’t the unnecessary Girocard simply abolished completely?
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V Pay, or whatever is currently offered, still has the lowest fees for transactions. This doesn't matter much for small amounts, but for larger amounts, a credit card is no alternative. I only use it once or twice a year, most recently for a motorcycle purchase.
I think the banks and the ECB are hoping that they can create a cost-effective payment alternative with the digital euro. My prediction: That won't work; regular credit cards are already far too widespread. And fees can be negotiated. Having many different systems that then work almost exclusively in Germany isn't cost-effective either.
As I said, I'm not talking about credit cards here. But most Germans don't even know that Visa and Mastercard aren't necessarily credit cards. They also exist as debit cards. That means they work like a Girocard, except it's a Visa or Mastercard. The account is debited immediately after payment.
Richtig ! Das System der credit cards kann alles abdecken, nur merkt das Unternehmen nicht an den Gebühren ob der Kunde nun auf Kredit bezahlt oder aus Guthaben.
Visa und Co verdienen immer. Beim riskolosen guthabenkunden an den Gebühren, beim verschuldeten Konsument zusätzlich an den überhöhten Zinsen, die das Risiko mehr als kompensieren.
Weil Deutschland nicht komplett abhängig von zwei Zahlungsdienstleistern aus den USA sein will.
Es ist aber in den meisten anderen Ländern der Welt auch so.
Yes, but is it bad to oppose dependence on the USA?
We're talking about something that holds the entire payment power of a country in its hands, that regularly adjusts it to enforce political views, and that allows for complete tracking of every transaction?
And that as a compulsion.
You're talking nonsense, complete dependence on two companies from the USA that can blackmail an entire country is not like buying a sandwich from Subway.
Man wehrt sich hier eher gegen den Fortschritt. Wenn du dich gegen die USA stellen willst, dann meide ab jetzt alle amerikanischen Produkte wie Apple Samsung, Microsoft, McDonalds, Subway etc.