The bank account: Girokonto, card, SEPA

📖 Lesson ──▶ 🎯 Quiz — pick the translation ──▶ ✅ Lesson done

The Girokonto is the main account: salary comes in, rent and bills go out. The card is called Girocard (formerly EC-Karte) — in small cafés it is often the only card accepted: Germany still loves cash. SEPA-Überweisung = normal European transfer, Dauerauftrag = standing order, Lastschrift = direct debit (internet, phone).

●Watch the account fee: 0-€ banks exist (DKB, ING, neobanks)
●For the account you need: passport + Anmeldung + sometimes Steuer-ID
●A direct debit can be reversed within 8 weeks — no questions asked

🏦 The Dispo is an overdraft — handy for 3 days, expensive for 3 months: up to 12% interest per year.

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Test yourself!

Practice the topic with the trainer — like after class

Quiz — pick the translation → 🖨 Worksheet

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