Barclays credit card in Germany: switching off Teilzahlung and paying in full

If you hold a Barclays credit card in Germany, the bank behind it is now easybank. BAWAG Group of Vienna bought Barclays’ German consumer business at the start of 2025, it has traded as easybank since February 2026, and your contract is with BAWAG AG Niederlassung Deutschland in Hamburg. Barclays only allows the use of its name and holds no stake in the business. Teilzahlung, the German term for revolving repayment, works as before: from the day the account opens a minimum repayment is set, that share of the balance is collected by direct debit every month, and the rest carries interest.

Who issues your Barclays card now

Barclays credit card

Issued by easybank and valid until easybank replaces it with one in the new design. Conditions and repayment arrangements stay as they were.

Eurowings credit card

easybank remains the issuing bank, and benefits and conditions of existing cards are unchanged. The card account comes with a flexible credit line here too.

App and online banking

An update renamed the Barclays Privatkunden App to easybank Deutschland App. Your login details and your repayment setting carried over.

BAWAG Group introduces easybank brand in Germany, BAWAG GroupThe press release of 7 January 2026. The opening paragraph names easybank as the new brand of the former Barclaycard Germany, and the footnote says Barclays only granted the use of its brand and holds no stake.

Übernahme von Barclays Consumer Bank Europe erfolgreich vollzogen, BAWAG GroupThe announcement of 3 February 2025 that the acquisition had closed, in German. The second paragraph says products and conditions stay as they are.

Barclays Deutschland wird easybank, easybankeasybank’s rebrand FAQ, in German. Section 4 gives the new app name, section 5 says repayment arrangements and settings carry over.

Miles & More und easybank verlängern Partnerschaft für Eurowings Kreditkartenprogramm, easybankThe announcement of 17 February 2026, in German. It names easybank as issuing bank for the Eurowings cards and confirms unchanged conditions for existing cardholders.

Impressum, easybankeasybank’s legal notice, in German. It names BAWAG AG Niederlassung Deutschland in Hamburg as the provider.

How to turn off Teilzahlung and pay in full

Teilzahlung cannot be removed from the card, because the credit line is part of the card agreement. What you change is the repayment: instead of a percentage you choose full repayment, which the app offers as “100 %”. easybank then collects the whole balance on the due date from your Referenzkonto, the current account you registered.

• Open the easybank Deutschland app or online banking. Your Barclays login still works.
• Go to “Nächste Rückzahlung” or “Letzte Rückzahlung”. In online banking, easybank calls the area “Rückzahlung”.
• Under “Grundeinstellung”, set the percentage to “100 %”.
• Check the amount and date of the debit on your next statement, and make sure your current account covers it.

The first debit after the switch takes the whole balance, including what built up during the months on Teilzahlung. If your current account cannot take that in one go, raise the percentage first and switch to “100 %” once the old balance is gone.

To avoid the fee, leave the setting on a percentage and pay the rest yourself each month, as a “Wunschbetrag” by instant debit or by transfer. Under section 8.2 of the terms, a transfer received during the month counts towards the amount due, and the direct debit shrinks accordingly. The month only stays interest-free if the whole balance is booked to the card account by the due date. Otherwise each transaction carries interest from the day it was booked.

Rückzahlungstipps, easybankeasybank’s repayment tips, in German. The three numbered steps name “Nächste Rückzahlung”, “Grundeinstellung” and “Wunschbetrag”; above them the page says a higher repayment shortens the time and saves interest and that extra payments of any amount are possible at any time.

Deine Rückzahlungsoptionen, easybankeasybank’s repayment options, in German. “In flexiblen Teilbeträgen zahlen” covers the preset minimum, free changes, the percentage of the total balance and interest from the booking day; “Zinskosten” the higher cash rate, the statement as the place for rate and cost, and no further fees; “Ganz zahlen” the debit of the full amount and the IBAN on the statement; “In festen Raten zahlen” the Zahlplan; “Kreditkarte oder Ratenkredit?” the comparison with a loan.

Kreditkarte Rückzahlungsoptionen, easybank FAQeasybank’s repayment FAQ, in German. “Wo finde ich den eingestellten Rückzahlungsbetrag meiner Kreditkarten?” names the “Rückzahlung” area, and “Wann werden Sollzinsen berechnet?” requires the total balance to be booked by the due date.

Preis- & Leistungsverzeichnis easybank Kreditkarte, easybankThe price list, version April 2026, in German. The row “Jahresgebühr Kreditkartennutzung” states the fee for 100 % repayment by monthly direct debit, and the row “Einmaliger Soforteinzug per Lastschrift” the cost by channel.

easybank Kreditkarte, easybankThe product page, in German. Footnote 1 at the bottom says repayment by transfer or instant debit in the app is free and names the fee for 100 % by automatic direct debit. The current rate is under “Zinsinformationen”.

Preis- & Leistungsverzeichnis Eurowings Kreditkarte Classic, easybankValid from 23 April 2026, in German. The heading names the flexible credit line, and the row “Jahresgebühr Kreditkartennutzung” carries no fee for full repayment by direct debit.

Preis- & Leistungsverzeichnis Eurowings Kreditkarte Premium, easybankValid from 23 April 2026, in German, laid out like the Classic list and also without that fee.

What Teilzahlung costs in interest

On Teilzahlung you are drawing on the credit line. easybank charges interest from the day each transaction is booked until the balance is paid off in full, and cash withdrawals can carry a higher rate than purchases. The rate is variable: section 8.3 of the terms ties it to the European Central Bank’s main refinancing rate, up or down. There is no separate fee for Teilzahlung; the cost is the interest. Your rate and the month’s interest cost are on your monthly statement.

If you pay the full statement amount on time, section 8.2 waives the interest on charges that arose in the last billing month. A balance carried over from earlier months is not covered and carries interest until it is paid. The statement after the switch can therefore still show interest for the time the old balance was open.

Allgemeine Geschäftsbedingungen easybank Kreditkarte, easybankThe card terms, version April 2026, in German. Section 8.1 sets interest from the first day of use, 8.2 the payment period, minimum, interest waiver and how transfers count, 8.3 the rate adjustment, 8.5 the Zahlplan, 8.6 the order of allocation, 8.7 default.

Paying the balance down faster

• Raise the percentage under “Grundeinstellung”. The repayment grows with it, the balance is gone sooner, and you pay less interest. You can change it at any time, free of charge.
• Have a “Wunschbetrag” collected. You pick the amount, and easybank takes it once as an instant debit. In online banking that is free under the price list.
• Transfer from your current account to the card account. The IBAN is on your statement.

A transfer during the month replaces part of the next direct debit rather than adding to it. You only finish sooner if over the months you pay more in total than the set repayment, so it works best together with a higher percentage. The terms do not say how an instant debit changes the next direct debit, so check under “Nächste Rückzahlung” afterwards what is still due.

Section 8.6 sets where a payment goes: first to amounts in default, then to current Zahlplan instalments, then to cash withdrawals, then to purchases and transfers with the highest rate, and last to fees and interest. An extra payment therefore hits the most expensive items first.

Fixed instalments with a Zahlplan

If you want an end date instead of a percentage, easybank offers the Zahlplan: single transactions or a whole monthly statement become monthly instalments over a term you choose, at a reduced rate. The account must not be in default, and online banking and your statement show which transactions qualify. Extra payments do not shorten it, because under section 8.5 a credit repays only the monthly instalment. You can dissolve it free of charge at any time and pay the rest in full.

Zahlplan, easybank FAQeasybank’s Zahlplan FAQ, in German. “Welche Voraussetzungen gelten für einen easybank Zahlplan?” names the no-default condition and where qualifying transactions show, and “Sind Sondertilgungen für easybank Zahlpläne möglich?” says no and names the free dissolution.

Which debt first

If an overdraft, a loan or a Klarna plan runs alongside the card, extra money goes first to the debt with the highest rate. easybank itself says a credit line used up over a long time can get expensive and that an instalment loan carries lower interest, and offers to check alternatives by phone. Only what is already overdue comes first.

Kreditrahmen festlegen, easybankeasybank’s help page on the credit limit, in German. “Du möchtest deinen Kreditrahmen senken?” gives the route through “Chat & Anruf” and says a lowering is permanent.

Kreditkarten-Konto kündigen, easybank FAQeasybank’s FAQ on closing the account, in German. The answer on using the card after termination says an open balance falls due on the termination date.

If a repayment cannot be collected

• If you are wholly or partly in default with two consecutive instalments, easybank may terminate and demand the whole balance under section 8.7.
• Under section 8.6 payments go to the arrears first.
• easybank dissolves running Zahlpläne when too little comes in two months in a row, and the lower rate ends (section 8.5).

If a month gets tight, a lower percentage before the debit is better than a direct debit that bounces. The floor is the minimum repayment.

When a counselling service is the better call

The app answers how long it takes. When the repayments together are more than what is left at the end of the month, a Schuldnerberatung, a recognised debt counselling service, is the better call. It can negotiate with your creditors, free of charge and bound by confidentiality.

Find a counselling centre, BAG-SBThe German federal association for debt counselling runs the directory of recognised centres. Advice there is free of charge.

Online-Schuldnerberatung, CaritasFree and anonymous debt counselling online, in German, without going to an office. The answers come in writing from counsellors.