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> Everyone in my bubble is a customer of either Sparkasse, Volksbank or ING DiBa.

As an aside, do you have any opinion on the merits of these institutions for personal banking? (I assume you are in Germany.)

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I'm a big fan of the ING DiBa VISA card which lets you withdraw money for free at many (most?) ATMs in the Eurozone. My experience with their customer service has also been much better than either Volksbank or Sparkasse. I have a second credit card from DKB because withdrawing money abroad is "free" (there's still a fee for currency conversion though, if I'm not mistaken).

Checkout ING DiBa, DKB, and Number26

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