About girocard

About us.

Here you can find more information about how the Germany Banking Industry Committee and EURO Kartensysteme GmbH are designing the girocard system.

Smartphone with the giropay app, which displays modern payment options and functions for daily transactions. The user interface presents various services and information on how to use thecard.

Design girocard:
What's behind it.

girocard the electronic payment system used by German banks and Sparkassen. With around 100 million cards issued, it is the most widely used debit card in Germany. Two organizations are primarily responsible for its implementation: the Germany Banking Industry Committee EURO Kartensysteme GmbH.

the Germany Banking Industry Committee - representing the interests of banks and Sparkassen.

the Germany Banking Industry Committee GBIC) is an association of the five leading banking associations in Germany. It represents the common interests of German banks and Sparkassen all matters relating to banking, particularly payment services. The GBIC the rules and standards for the girocard system, thereby ensuring that customers and merchants throughout Germany can girocard secure and convenient girocard with girocard . In addition, the GBIC girocard GBIC strategic direction girocard and drives its further development.

Berlin TV tower with striking spherical structure and red and white striped antenna tower, symbolic landmark of the city, ideal for tourists and photography.
Illustration of three bank cards, including a girocard from the sample bank and two cards from Volksbanken, showing important information such as account number and expiry date.

EURO Kartensysteme GmbH – operational scheme manager for girocard.

As a joint venture of the German banking industry, EURO Kartensysteme GmbH (EKS) performs key tasks within the girocard system. It is the operational scheme manager and is therefore responsible for implementing the strategy GBIC by GBIC . EKS's core tasks include the further development girocard, support for the certification of terminals and service providers, marketing and communication, and security management. Working closely with banks, merchants, and technology partners, EKS ensures that girocard remains the preferred payment method Germany girocard the future.

A strong network for advanced payment services

The girocard system forms the basis for smooth payment services. Close cooperation between GBIC EKS has resulted in a powerful system that combines security, stability, and innovation.

Ensure stability.

GBIC a stable and trustworthy payment system that retail sector the expectations of customers and retail sector

Driving innovation forward.

The EKS uses co-creation workshops to bring all market participants together in order to gather ideas and implement innovations that set them apart from the competition.

Display of a digital display with a total amount of 21.15 US dollars, surrounded by a black background.
Woman with curly hair and a smiling expression standing in a modern office environment. Two colleagues can be seen in the background, engrossed in a conversation. The scene conveys a sense of teamwork and a positive working atmosphere.

Expand acceptance.

With the further development of the girocard system, EKS is opening up new areas of acceptance in retail sector e-commerce in order to increase the attractiveness girocard various industries.

Woman with blonde hair and smiling face works on a laptop, wears a plaid shirt and is pictured in a modern work environment.

Promote standardization.

The GBIC EKS payment services standardization in European payment services in order girocard improve international acceptance girocard , reduce development costs, and position girocard strongly girocard

Display of a digital display with a total amount of 21.15 US dollars, surrounded by a black background.
Wavy image of the flag of the European Union with a blue background and yellow stars symbolizing the cohesion and unity of the Member States.

Facing the future.

With an eye to the future of payment services , GBIC EKS payment services on the ongoing development girocard. For a sustainable payment system that meets the needs of all participants.