gebührenfrei.de review 2026
How good is gebührenfrei.de really?
68/100 points
kosten.org editorial team
Last updated: 2026-03-13
68/100
Points
Based on published terms and features
The gebührenfrei.de Mastercard Gold from Advanzia Bank is one of the few permanently free gold cards on the German market. It comes with travel insurance and no foreign-currency fees. We review whether the gold lives up to its promise.
Highlights of our gebührenfrei.de review
- gebührenfrei.de scores 72/100 points in our rating – free gold with travel cover.
- Permanently €0 – no annual fee despite gold status.
- No foreign-currency fees when paying anywhere in the world.
- Travel health, trip cancellation and luggage insurance included.
Table of contents
1 Annual fee & costs
16/20
Points
A permanently free Mastercard Gold – no annual fee, no conditions. The card is a revolving credit card with instalment repayment as standard. The interest rate for instalment repayment is 24.24% a year – one of the highest on the market. Be sure to switch to full repayment! Cash withdrawals are free in Germany and cost 4% abroad (minimum €5.95).
Scoring (16/20): A free gold card is top. The extremely high revolving rate if instalment repayment is used carelessly costs points.
2 Cash withdrawals
10/20
Points
Free in Germany at all Mastercard cash machines. Abroad, fees of 4% (minimum €5.95) apply. That is a clear drawback compared with the easybank Visa (formerly Barclays), which is free worldwide.
Scoring (10/20): Free in Germany, unfortunately expensive abroad. Only half convincing.
3 Paying worldwide
15/15
Points
No foreign-currency fees when paying – worldwide. That is a genuine unique selling point and makes the card ideal for travellers and online shoppers at international merchants. Mastercard acceptance at more than 100 million locations worldwide.
Scoring (15/15): Full marks – no foreign-currency fees worldwide is unbeatable.
4 Bonus programme & extras
7/10
Points
No traditional bonus programme. Instead, a comprehensive travel insurance package: travel health insurance, trip cancellation insurance, luggage insurance and rental car insurance. Other providers often charge €50–100 a year for these benefits.
Scoring (7/10): No points programme, but the insurance cover is real added value.
5 Security
6/10
Points
3D Secure for online payments. Card blocking by phone. Luxembourg supervision (CSSF). Deposit protection through the Luxembourg deposit guarantee fund (FGDL) of up to €100,000.
Scoring (6/10): Solid security, but Luxembourg rather than German regulation.
6 App & management
4/10
Points
Management is primarily via the online portal. The app has 3.2 stars in the App Store and is limited in function. A transaction overview and repayment management are available. Apple Pay is supported, Google Pay is not.
Scoring (4/10): Weak app rating, no Google Pay. Clearly behind the competition.
7 Customer service
4/8
Points
Phone support in German, but via Luxembourg. Email contact available. No branches. Availability is rated as average.
Scoring (4/8): Reachable, but not outstanding. A Luxembourg head office can be a disadvantage when making complaints.
8 Acceptance & network
6/7
Points
Mastercard network with more than 100 million acceptance points worldwide. Contactless payment available. Apple Pay supported. No current account needed – settlement via any bank account.
Scoring (6/7): Wide Mastercard acceptance. Deduction for the missing Google Pay.
Pros & cons at a glance
Pros
- Permanently free Mastercard Gold
- 0% foreign-currency fees worldwide
- Travel insurance package included
- Free cash withdrawals in Germany
Cons
- High revolving interest rate (24.24%)
- Cash abroad is expensive (4%)
- Weak app
- Luxembourg regulation
Conclusion: gebührenfrei.de review
68/100
Good (2.6)
The gebührenfrei.de Mastercard Gold scores 72 out of 100 points and is ideal for travellers: no annual fee, no foreign-currency fees and travel insurance included. Be sure to switch to full repayment to avoid the high revolving interest rate!
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