Paypal: If you want to buy goods on the Internet, you can use PayPal as an alternative to bank transfer. You can transfer online money from your bank account to another one after you sign up and register on the website paypal.de. Please note the incurred costs.
Credit card:If you work and have a salary, you can also get a credit card from your bank. With this, you can also complete transactions on the Internet and pay with it. Depending on the bank, costs are incurred. Ask your bank for it.