Consors Finanz review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Consors Finanz suits German customers who want a plain debit card with no monthly or currency conversion charge. Its monthly fee of €0 and conversion fee of 0% put it top of the ranking for both, though its cash machine position trails most of the field.
Key facts
- Best for
- A Mastercard debit card in Germany with no monthly fee and no conversion charge.
- Monthly fee
- €0↗
- Currency conversion fee
- 0%↗
- Free ATM withdrawals
- €0↗
- Card network
- Mastercard↗
- Legal entity
- BNP Paribas S.A. Niederlassung Deutschland↗
- Headquarters
- Germany↗
- Founded
- 2001↗
- Support channels
- Email, Phone, Help-centre↗
- Features
- Travel
- Official website
- consorsfinanz.de
Facts checked September 26, 2026, 3 sources
Pros and cons
Pros
- No monthly fee, ranked 1 of 379 for it
- No currency conversion fee, ranked 1 of 237 for it
- The card sits on the mastercard network and is aimed at travel
- Support runs by email, phone and a help centre, email, phone and help centre
Cons
- The free cash machine allowance is €0, which ranks 38 of 104
- It is a German card, based in Germany under BNP Paribas S.A. Niederlassung Deutschland
- It is built for travel, travel, so it does not cover crypto spending
Who it suits
- German customers who want a fee free debit card for everyday spending
- Travellers paying in other currencies who want no conversion charge
- People who already bank with Consors Finanz and want the Mastercard alongside their account
Who should look elsewhere
- Wise, if you need to hold and convert many currencies rather than spend euros
- BMW Card von American Express, if you want a rewards card instead of a plain debit card
- Monzo Flex, if you want a UK current account rather than a German one
How it compares on our data
On monthly fee the card sits at 1 out of 379, and on currency conversion fee at 1 out of 237, so cost is its strongest showing. Free cash machine withdrawals are the weaker line at 38 of 104. The pattern is a card built for card spending rather than for holding cash.
Fees
The monthly fee is €0 and the currency conversion fee is 0%, so nothing is charged for keeping the card open or for spending abroad. Both figures sit at the free end of the range readers compare, and together they make the card a low cost choice for a debit card used mainly for travel.
How Consors Finanz compares
9.2 vs 9.4
9.2 vs 9.0
9.2 vs 8.2
9.2 vs 9.5
9.2 vs 9.6
9.2 vs 9.0
9.2 vs 9.1
9.2 vs 8.9
9.2 vs 8.1
9.2 vs 8.2
9.2 vs 9.5
9.2 vs 9.4
9.2 vs 9.2
9.2 vs 9.1
9.2 vs 9.0
9.2 vs 8.9- 9.2 vs 8.8
9.2 vs 8.8
9.2 vs 8.6
9.2 vs 8.5
9.2 vs 8.3
Where Consors Finanz is available
- Available
- France, Germany
- Licence in Germany
- Europäische Zentralbank, checked September 26, 2026
- Licence in Germany
- Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), checked September 26, 2026
- Licence in France
- ORIAS ( french intermediary register, insurance mediation) (07022735), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
How much is the monthly fee?+
The monthly fee is €0, so there is nothing to pay for keeping the card open. That puts Consors Finanz at 1 of 379 on this measure, alongside rivals such as Monzo Flex at £0 and Wise at £0.
Is there a fee for spending in another currency?+
The currency conversion fee is 0%, so no extra charge is added on top of the card network rate when you spend abroad. It ranks 1 of 237 on this measure, the strongest showing in the card's cost picture.
How many free cash machine withdrawals are included?+
The free cash machine allowance is €0, so no free withdrawals are included with the card as standard. It ranks 38 of 104 on this measure, the weaker line in an otherwise strong cost picture.
Who runs Consors Finanz and where is it based?+
The legal entity is BNP Paribas S.A. Niederlassung Deutschland, based in Germany and founded in 2001. The listed regulators are the Europäische Zentralbank and the Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) in Germany, plus ORIAS in France, where the insurance mediation entry reads 07022735.
What is the card designed for?+
The card is aimed at travel, travel, and runs on the mastercard network. It is a plain everyday debit card rather than a card built for crypto spending, and the network is Mastercard, so it is accepted wherever that brand is taken.
Is this a credit card or a debit card?+
It is a debit card rather than a credit or prepaid one, on the mastercard network, and the card is aimed at travel, travel. The monthly fee is €0 and the conversion fee is 0%, so holding and using it stays cheap.
How do I get help?+
Support runs through email, phone and help centre, which covers email, phone and a help centre. Requests are handled by the same German operation that issues the card, BNP Paribas S.A. Niederlassung Deutschland, so a cardholder in Germany can reach a person by phone as well as in writing.
Who does this card suit?+
It suits German customers who want a debit card with a monthly fee of €0 for everyday spending, and who travel often enough to value a conversion fee of 0%. A card built around travel, travel, is a poorer fit for anyone who mainly wants to hold and convert balances.
Sources
- consorsfinanz.de/impressum checked September 26, 2026
Backs: Headquarters, Legal entity, Support channels
“BNP Paribas S.A. Niederlassung Deutschland, Standort München: Rüdesheimer Straße 1, 80686 München; Sitz: München”
- consorsfinanz.de/karte-kredite/mastercard checked September 26, 2026
Backs: Free ATM withdrawals, Features, Currency conversion fee, Monthly fee, Card network
“Fremdwährungsgebühr: Keine”
- consorsfinanz.de/ueber-uns checked September 26, 2026
Backs: Founded
- ecb.europa.eu/home/html/index.de.html checked September 26, 2026
Backs: Licences
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Card type, Protection.
Related by the facts
Consors Finanz
A Mastercard debit card in Germany with no monthly fee and no conversion charge.