C24 Bank review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
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Our verdict
C24 Bank is a plain debit card for euro spenders who want predictable running costs, with a monthly fee of €0 and a conversion fee of 0%. It suits people who pay in a single currency and still want travel and multi-currency features, plus a virtual card for online orders.
Key facts
- Best for
- A monthly fee of €0 and a conversion fee of 0% for euro spenders.
- Monthly fee
- €0↗
- Currency conversion fee
- 0%↗
- Card type
- Debit↗
- Cashback rate
- 0.05%↗
- Card network
- Mastercard↗
- Legal entity
- C24 Bank GmbH↗
- Support channels
- Help-centre↗
- Features
- Virtual card, Travel, Multi-currency
- Official website
- c24.de
Facts checked September 26, 2026, 2 sources
Pros and cons
Pros
- Spending earns 0.05% back, which is the only reward listed on an otherwise plain card.
- The card type is debit (debit), so the balance in the account is what funds every payment made with it.
- The feature list covers virtual card, travel and multi currency, handling online orders, holidays and holding more than a single currency.
- Payments run on the mastercard network, so the card behaves like an ordinary card in shops and online.
Cons
- Support runs on help centre only, so there is no phone line or live chat listed for payment queries.
- The reward is modest at 0.05% back, so the case for the card rests on running costs rather than perks.
- Price alone does not separate it, since Wise lists a monthly fee of £0 and Monzo Flex £0.
Who it suits
- Anyone paying mostly in euros who wants a monthly fee of €0 and a conversion fee of 0%.
- Shoppers who want a virtual card for subscriptions and online orders, covered by the virtual card, travel and multi currency features.
- Holidaymakers who need travel and multi-currency handling without paying a conversion charge on spending abroad.
Who should look elsewhere
- Wise, for anyone comparing accounts rather than cards, since it also lists a monthly fee of £0.
- Monzo Flex, for shoppers after a different card app, since its monthly fee is £0 as well.
- BMW Card von American Express, for anyone who wants a rewards card brand, at a monthly fee of $0.
Fees
The running costs that matter here are simple. The monthly fee is €0, so keeping the account open adds nothing to a monthly budget, and the currency conversion fee is 0%, so nothing is added on top of the exchange rate when spending in another currency. For a card aimed at everyday euro spending, that makes running costs the least complicated part of the picture.
The company behind it
The card is issued by C24 Bank GmbH, the legal entity named for the account. Support comes through help centre, so help is written and self-service, and there is no phone line or live chat listed. The practical implication is that a problem with a payment or a fee needs a written record, which suits anyone comfortable keeping their own paperwork.
How C24 Bank compares
8.9 vs 9.4
8.9 vs 9.0
8.9 vs 8.2
8.9 vs 9.5
8.9 vs 9.6
8.9 vs 9.0
8.9 vs 9.1
8.9 vs 8.9
8.9 vs 8.1
8.9 vs 8.2
8.9 vs 9.5
8.9 vs 9.4
8.9 vs 9.2
8.9 vs 9.1
8.9 vs 9.0
8.9 vs 8.9- 8.9 vs 8.8
8.9 vs 8.8
8.9 vs 8.6
8.9 vs 8.5
8.9 vs 8.3
Frequently asked questions
What does C24 Bank charge each month?+
C24 Bank lists a monthly fee of €0, so keeping the account open adds no recurring charge. The card is a debit card, and a virtual card sits among the virtual card, travel and multi currency features for online spending. Anyone comparing running costs against a paid card will find this card at the cheap end.
How much does C24 Bank charge for currency conversion?+
The currency conversion fee is 0%, so nothing is added on top of the exchange rate when you spend in another currency. The virtual card, travel and multi currency features also include travel and multi-currency, which is where that rate earns its keep. It matters most on holidays and on euro bills spent outside the euro area.
What do I earn for spending on the card?+
Card spending earns 0.05% back. That is a modest reward, so the card argues itself on the €0 monthly fee and the 0% conversion fee rather than on returns. If a larger earn rate matters more than running costs, a rewards card is the better place to look.
What kind of card is it and what network does it run on?+
It is a debit card on the mastercard network. Debit means the money comes straight from the account balance, so the account has to hold funds before you spend. That suits people who treat the card as an extension of a euro account rather than as a prefunded balance.
Can I get a virtual card for online shopping?+
A virtual card appears in the virtual card, travel and multi currency features, listed alongside travel and multi-currency. It is the practical pick for subscriptions and shop-only spending, so the physical debit card can stay in the wallet. It sits under the same €0 monthly fee.
How do I reach C24 Bank support?+
Support runs through help centre, so answers come in writing from published material. No phone line or live chat is listed, which matters when a payment is disputed and you want a written record of what was said. If you prefer to phone a bank, check the alternatives before applying.
Sources
- c24.de/impressum checked September 26, 2026
Backs: Legal entity, Support channels
“2026 C24 Bank GmbH”
- c24.de/preise checked September 26, 2026
Backs: Card type, Cashback rate, Features, Currency conversion fee, Monthly fee, Card network
“C24 Smart - 0 EUR / Monat - Kostenlose C24 Mastercard”
Compiled from 2 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Free ATM withdrawals, Protection.