Fit for the future.
With girocard.

Digitize, connect, transform—girocard is shaping the future of payment services. Innovative features open up new possibilities for efficient and secure transactions.

Two girocards from Musterbank with the name Maxi Muster, one in gray and one in blue, both with contactless payment symbol and IBAN numbers.


girocard features.
Connected, smart, intuitive.

girocard retail sector, financial institutions, and end customers in a forward-looking ecosystem. With smart features such as mobile payment, age verification, and expanded international acceptance, girocard optimizes processes, strengthens customer loyalty, and opens up new markets.

Smart solutions for future-proof transactions.

girocard new horizons for efficient customer management. With enhanced features such as age verification and international acceptance, you can optimize your processes and increase customer satisfaction in the long term.

girocard at the POS

Speed & safety.

girocard lightning-fast transactions at the point of sale. Contactless payment significantly reduces waiting times at the checkout. For greater efficiency and more satisfied customers – while maintaining consistently high security standards.

Mobile payment

Seamless payment processes.

Transform your payment processing with a solution that combines flexibility and security. Thanks to integration with wallets, the digital girocard in your smartphone creates a seamless payment experience that benefits everyone involved.

Omnichannel

Closely interlinked.

The expansion of omnichannel solutions paves the way for a connected financial ecosystem that brings retail sector financial institutions closer together. Omnichannel payments enable seamless transactions across different channels. This ensures a consistent customer experience and promotes new partnerships.

Display of a digital display with a total amount of 21.15 US dollars, surrounded by a black background.
Hands touching in a symbolic gesture of cohesion and community, with one dark and one light skin color, against a neutral background.
Acceptance abroad

New horizons, familiar strengths.

Open up new horizons—without sacrificing the cost advantages you are accustomed to with your trusted payment system. Thanks to increasing direct acceptance abroad and innovative co-badge solutions, girocard is laying girocard foundation for international transactions.

Hand holds a girocard from Musterbank with contactless payment function, ideal for convenient and secure transactions.
Preauthorization

More freedom in payment services.

Book, authorize, settle—at different times? Decoupling processes that are currently linked in time opens up a whole host of new possibilities. In future, it will also be possible to book partial amounts, and the retail sector more flexible payment guarantee terms. This will make it child's play to pay a deposit when booking a rental car or a vacation apartment, for example.

Display of a digital display with a total amount of 21.15 US dollars, surrounded by a black background.
Girocard from Musterbank with NFC function, on which the name Maxi Muster and the IBAN DE12 3456 7890 1234 5678 90 are printed.

The smart all-rounder for everyday use.

girocard constantly girocard to further improve the payment experience for customers and the retail sector the future. Innovative additional functions are making it increasingly indispensable in everyday life. Close cooperation with partners on the following aspects makes it possible to optimally take into account the needs of all parties involved. This is how girocard future is being created—smarter, more versatile, and more customer-oriented than ever before.

Customer loyalty programs

Pay, score, win.

By linking to participating customer loyalty programs, customers will in future be able to collect bonus points or redeem discounts in the same step when paying. This frees up space in their wallets, as the bonus card is girocard with them in the form girocard .

Older man with a gray beard and curly hair, wearing a light blue sweatshirt, using a smartphone and smiling.
Girocard logo with reference to youth protection and 18+ age verification, ideal for applications that require age verification.
Age verification

Efficiency meets responsibility.

Online age verification facilitates the sale of age-restricted goods. This feature integrates age verification into the purchasing or sales process at the checkout or vending machine. Convenient for consumers and resource-efficient for the retail sector.

Multi-sensory experience

Every transaction an experience.

The girocard brand identity girocard expanded to include a distinctive sound logo and an animated user interface. Every transaction with girocard a multisensory, holistic experience—for maximum recognition and a unique brand feeling at every point of payment.

Smiling woman with red hair wears a light blue denim shirt and raises her hand to wave, against a neutral background.
Co-Creation

Shaping change together.

What makes the further development girocard so special is that we are working closely with network operators, merchants, and other market participants in an innovative co-creation process to make girocard for the future. Workshops and bilateral discussions are used to develop customer-oriented and promising functions step by step. girocard the centerpiece of an ecosystem that is being jointly designed and developed by all participants – and is precisely tailored to the needs of the market.