See the best current cash bonus promotions here. We value your trust. Insurance packages are often found in credit cards with the additions Gold or Platinum and, of course, also at special travel credit cards with annual fees. Bankrates editorial team writes on behalf of YOU the reader. These cookies allow us to provide you our service better. It seems that this card is not actively promoted and I have not yet found detailed information about this card on your DKB-page. What kind of extra money do I have to pay? We don't want store-specific cards, but rather something good as close to anywhere in Germany as possible. Having said that, do you think the amex platinum is really convenient considering the price (600 per year)? I have been living in Germany for a little over two years. Difficulties came up again and again. But sorry, we are not an statics office . and you can control this by using the buttons on the right side of the page. The Mastercard eGift card can be used for online purchases wherever Mastercard debit or credit cards are accepted in the U.S. This is the reason, why we can answer detailed questions. The service of prepaid credit card providers in Germany is at the international quality standard. Sometimes, it is required to receive a regular income of a certain amount, which must be transferred to the current account. Prepaid gift cards by Mastercard are globally accepted, safer than cash & a perfect gift for everyone. Santander 1 plus Visa Card Apply for Salander 1 plus Visa Card 4. Be careful about prepaid cards purchased in the US. Without these cookies the services you have applied for cannot be provided. 8.4K views View upvotes Answer requested by Shanmuga Sundaram 3 I am currently a resident of Munich, Germany. 1.6 out of 5 stars with 13 ratings. Prepaid cards, a type of debit card issued by a bank or credit card company, can be used to make purchases, pay bills, or . Design your card to truly represent your brand. Otherwise, I think that this credit card is really great: Number26. Step 3Spend online. What you didnt plan for, however, was your card not working at the majority of ATMs abroad. Plus, add your card to Apple Pay or Google Pay to spend and save with confidenceright from your phone. Strangely, one cannot withdraw cash free of charge at ATMs with the DKB Platinum MasterCard and even the foreign transaction fee applies! You can pay with it as often as youd like until the balance reaches zero. no issuing fee free recharging by bank transfer high-quality card with embossing quick and easy online application English customer service, 39,90 euros yearly fee 1,95% (min. As long as you use a regular German bank ATM, the German bank will not charge you a fee to use its ATM. Second question, I have applied for DKB and gebuhrenfrei and got rejected although I have been living in munich since 3 years. Our vision is that buying prepaid cards online should be easy, fast and convenient. Additional overdraft facility? The background is that the fees for a credit card payment must be paid by the payee. Various types of credit cards are also issued in Germany. I leave in Germany and I have a permanent job contract. But, there are some limitations there, as well. Due to the insurance conditions through credit card companies, this test often favours the financial sector. Otherwise, you earn 1.5% cash back on new net retail purchases. Both banks offer their current account and credit cards for free. Use this card online with a 2% foreign exchange fee for purchases outside the U.S. Any exceptions can easily be found on the list of prohibited countries. Mastercard Gift Card - $100 + $6 Fee. More than 3 million people have already decided on using the DKB Card entschieden. DKB: offers since years the best conditions in Germany. I live in Germany for 1 year and needed to buy furniture. Take our 3 minute quiz and match with an advisor today. Similarly, their acceptance is relatively high in Germany. Target issued mastercard (gift card) they're the ones with Target't bullseye logo upper left corner. It is somewhat confusing that the word credit card (Kreditkarte) in Germany is used as a synonym for the Visa card or MasterCard. Plastic GiftCard Virtual e-GiftCard Send a virtual GiftCard anywhere in the world. It is very difficult to find a solution if I have a problem even with the Customer Service. I prefer the DKB Visa Card but I also dont make personal advice . Mastercard eGift Card (Email Delivery) Mastercard. I always used to pay stores with credit cards and splitted in the number of instalments I wanted. Any opinions, analyses, reviews or recommendations expressed in this article are those of the authors alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Thanks. I am going to skip it only this month. Supported accounts. From there you'll want to click on the account that your debit card is linked to. 7 days, 7 emails! Prepaid gift cards by Mastercard are globally accepted, safer than cash & a perfect gift for everyone. This has different practical advantages: The creditworthiness of the customer is known. but I wanted to double check: free recharging by bank transfer high-quality card with embossing 4 years card validity no balance limit quick and easy online application, 25 euros one-time issuing fee 25 euros yearly fee (starting the 2nd year) 2% fee (min. Hi, One simply arranges with the credit card company that the credit card balance should be drawn at the date of payment by SEPA direct debit (SEPA-Lastschrift). All the cards we have found here (US) say they are not good internationally. Any linked and verified German bank account. I was wondering if I could ask you a few questions in regards to this topic or if someone would be willing to help me. Maestro cards are used widely in Austria, Germany and the Netherlands, and much less everywhere else. 2,50 euros) on ATM cash withdrawal in Germany and abroad 1,5% foreign currency fees can only be recharged from the account linked during the registration only German customer service. When presenting a gold or platinum card, no special status is granted. Any linked debit or credit card. When you use the card, you'll get 1% Daily Cash back on every purchase. There are a few variations, e.g. Our vision is that buying prepaid cards online should be easy, fast and convenient. How does one buy gift cards in the US that are good in Germany? Is it possible to make credit limit/overdraft limit to zero in gebuhrenfrei or DKB? travelling a lot, insurances as. Hi, my name is Stephanie and I am an exchange student from Australia. However, one must ensure that the current account disposes of enough money or credit line. Free Credit Cards in Germany - 2023 - Banks Germany Free Credit Cards in Germany - 2023 Last Checked :January 7, 2023 Gebuhrenfrei Mastercard Gold 2. Every verified German bank account in combination with a virtual VIMpay Mastercard (Standard & Premium) --. Debit cards are the most widely used bank cards in Germany. At each step of the way, we fact-check ourselves to prioritize accuracy so we can continue to be here for your every next. State further borrowers , Advice #3: Apply successfully for a loan: state income completely. Here are our picks for the best prepaid credit cards in Germany without a SCHUFA credit check. Banks have different condititons/requirements. Buy and personalize a prepaid Gift Card Mastercard. Looking for a secure prepaid card for online payments? A few specific Mastercard gift cards for international use include the following: Not only will you be free of foreign transaction fees, this card also has no annual fee. What are my rights in that regard ? 1. 3. This motivates us to create even more useful sites for interested readers! What are the restrictions for paying with an instant Mastercard Gift Card? Whoever is willing to pay an overpriced annual fee for a platinum card, will get it. Through the automatic billing, the customer saves the transfer of the credit card billing amount. That means about 80% of the stores. It was so helpful in fact that it helped me write my project about attitudes towards consumer credit in Germany and credit card acceptance. We are an independent, advertising-supported comparison service. Since fall 2022, you will also receive a German bank account with its own IBAN, when applying for the prepaid credit card. It's low cost and requires no effort from you - all you need to do is enter a few details. Our specialty por-tal mainly focuses on cards that are permanently free of charge. This is due to the security structure Viabuy uses. You have money questions. The application process takes 3 minutes. The Novum Bank offers a no-fee Mastercard with credit limit: you can apply for it online and receive your virtual credit card immediately after the application. I am English but will travel to Germany for 3 weeks for work my company will give me euros before I leave for my expenses (around 2500 euros) in cash or they can transfer it somewhere from their German bank account. I have been a credit card since 1 year but I am not happy with their service at all. I cannot give you any current information about the credit cards of the Deutsche Bank, as we do not have the credit cards of this bank anymore. Do you know which banks offer them? Generally, VISA and Mastercard credit cards are the most widely accepted cards in Germany (apart from debit cards). If one settles the credit card account on time so not only paying the minimum rate, but the full amount then everything is free for the customer. So now Im confused. You can find this account number on the backside of the MasterCard (at least when you order it via the German language site, like I have done). All Rights Reserved. That is an interesting challenge! Yes, that is a very interesting question! After the establishment of free credit cards at direct banks (Direktbanken), the major credit card companies have followed this example and offer now a credit card without annual fee too. Without annual fee, and without international service fee. At Barclaycard, one can train the credit line from sixth month of customer relationship. You can find the Maestro logo (somewhat related to the Mastercard logo) on the back side of your Mastercard. 2023 Bankrate, LLC. Since 2012 I stay in Ukraine, my account is still valid but Id like to change Gold card with standard card due to high charges and fees. Good luck! This Girokonto offers the cards you prefer and is free of charge. Thank you for your value tip Here is the link to apply http://www.gebuhrenfrei.com. Doesnt it sound very wrong that they are giving it on the basis of nationality? We cannot and do not want to support all of them. German banking customers are very different. thanks. not known yet, because there had not been a transfer from that account before) are credited immediately as well but only become available after ten days (blocked payment). The Sapphire Card of Chase Bank costs 95 Dollar from the 2. year on. Maestro cards work on a single-message debit system, where when you swipe your card, the money moves from your bank account to the merchant. In Germany, the term credit card is not always meant for a card with real credit line. $106.00. International transfers for real estates (purchasing/selling), How to open a bank account in Germany (via Internet), Open Current Account in Germany! With Commerzbank, you can choose whether you prefer a Visa or Mastercard prepaid credit card. These cookies allow us to provide you our service. Pure credit card companies (Kreditkartengesellschaften) are often foreign companies, who have a license in Germany. Thank you for your time and consideration! Can you buy gift cards with a credit card? It seems that the future for scaled-down current accounts on a credit basis is more successful, as their use is possible simply or solely through the smartphone. So, whether youre reading an article or a review, you can trust that youre getting credible and dependable information. This pleases the credit card companies, because it is their business model. Best of luck! In addition, the prevalence of credit cards is not that high, because local banks often issue them only hesitantly and with too high fees. A virtual Prepaid Mastercard is the perfect prepaid solution for any internet shopper. In Italy, among the miles/points collectors, american express is considered one of the best, or maybe the best. Von Alex / Juni 17, 2022 / debit card, germany. Ive tried to order N26 or DKB without luck. When you click on the links of products we mention in this article and purchase it we will receive a small commission. At Bankrate, we have a mission to demystify the credit cards industry regardless or where you are in your journey and make it one you can navigate with confidence. for the first 6 months after card registration. Celebrate a friend's birthday or a loved one's wedding shower with a Vanilla Visa Gift Card. In this case, theres no purpose to have a credit card. The following cards dont have this feature yet: Viabuy and PayCenter. It will not make any difference to you in price, however, it allows us to keep Simple Germany alive and striving. I look forward to your feedback, in case youll give it a try. It case of the damage event, one does not contact the credit card company, but an external insurance company. Personalized Gift Cards Customize with your favorite photo and personalized message right on the card! One has to know the consequences of the minimum amount . Extra Card Speed: 5/5 Account and Cards: 4/5 Costs: 2.5/5 Service: 4/5 RESULT 3.8 03/2023 Free credit card with credit line 0,- annual fee - permanent While shopping online, depending on the product and online store you use, you require a debit or credit card. Still, the provider gains new customers every day and is growing. Skip to Content MASTERCARD BENEFIT INQUIRIES Your benefits may vary by card type and by issuing financial institution. Sometimes, these are even foreign companies. This German credit card has several advantages: No monthly/annual fee. With this information, you will have a good basis to make your decision when selecting your credit cards in Germany. Whenever we travel to another country outside of the EU eg. Well so many things happened, that should not have happened, so that I even was invited to the headquarter in Frankfurt to personally meet the board member responsible for service. American Express only plays a minor role in Germany. 13. On the website www.gebuhrenfrei.com, the Luxembourg Advanzia Bank does provide a free credit card for customers in Germany. We sold our first digital gift card in Germany in 2014. She did not call me and I paid the full amount. Purchase physical Gift Cards and eGift Cards online today in just a few easy steps. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout lifes financial journey. Would that be something for you? The card reader and the cashier do not pay attention to the colour of the card. Through the current account, the bank knows the creditworthiness (Bonitt) of the customer and provides a corresponding credit line. More and more card readers in the retail business are being changed accordingly. While it sucks, when you get robbed or lose your credit card, a prepaid credit card has the advantage that the balance and possible fraudulent use is capped to the balance on the card. I am looking for a credit card with no annual fees, without charges and that allows me to make payments abroad for free..(by abroad I mean anywhere in the world, not just Europe) I think I prefer to have a visa.. as it it the most accepted card online and in stores generally, at least in germany.. As an added bonus, Mastercard Gift Cards never expire so you can use them anytime. Banks with branch offices often charge a yearly fee for the credit card. Did I understand you well, and the best options for these requirements is DKB or comdirect? This topic has been automatically closed due to a period of inactivity. Carry at least two cards on your trip to Germany, preferably connected with Visa or Mastercard. The old-school German girocard you receive with a traditional German bank account will either not be accepted or cause you very high fees. Information on MASTERCARD BIN numbers. Trick How to get a loan up to 5,000 within 24 hours! The only legal possibility would be to find a provider who would be willing to provide you with a partner card with the name of your brother on it. Create a Custom Card Pre-designed Gift Cards Save time and choose from 100's of unique designs perfect for all occasions. The industry is currently investing in the corresponding infrastructure. Depending on the merchant, split-tender payments may be declined. During the first time, the credit is interest-free, depending on the provider up to 2 months. Redeem it within 6 months in MyPrepaidCenter to get your virtual Prepaid Mastercard details. It also comes with an easy and fast online application. Outpayments are done via a collective account number. Hello Everyone, Some direct banks are less strict when the customers creditworthiness is rated as good to very good. This way, the customer can never become a victim of the extremely high credit card interest trap. From TransferWise to only Wise but the services grow! Even at my request to simply arrange the breakdown service and bearing the costs myself, no one felt capable of helping me. The merchant does not accept Mastercard Debit Cards or Discover Cards. You even let your bank know you were traveling, so that you could use your debit and credit cards with no issues. Both are on a credit basis, and therefore no creditworthiness check applies. All Rights Reserved. The issuing fee is smaller, but the yearly fee is higher. Thank you. There are several providers of prepaid credit cards that have an elegant black design. While purchases in euros are free of charge, there is a 2,75% fee on foreign currency purchases. I moved to Berlin around 6 months ago and I found your page very helpful with settling into Germany (opening an account and payment methods). Terms apply to the offers listed on this page. Need your expert advise on how should I get a legitimate Credit card, preferably with some credit line. On the other hand, there are people who prefer that not one single bank has a complete overview of the personal finances and out of this reason, they separate the current account and credit card account. Consorsbank Mastercard Apply for Consors Mastercard 5. I and my partner have linked gold credit cards from Hypovereinsbank. Germany has already been having its own EC card system for many years, which in comparison to credit cards was decidedly lower priced for retailers. A prepaid credit card only works if you transfer money from your checking account before use. But for the next three years, one does not need to pay and card fees anymore. On our special portal for clever banking in Germany we always refer to the Viabuy MasterCard that you order in Germany! I guess that the credit card offering by the Commerzbank is good, but probably not the best (we focus on the best German offerings here ). Is there any disadvantage in Germany of cancelling a card or having multiple credit cards? ; MasterCard Red with PayPass technology 5466 - Citibank, MBNA & Chase World MasterCard Credit Cards, 546604 - First USA Banke, N.A. Order now No fees for the first 6 months after card registration Payments anywhere Mastercard or Visa is accepted Simple use in-store or online Choose from our catalogue Additionally, American Express is only rarely offered by banks. Subject to activation and identity verifications. In Germany there are free providers of debit cards. GiftCard Mastercard or VISA prepaid cards I GiftCards.eu Countless wishes. I appreciate your advice! Any recommendation?? Look for a button that says something like "Activate Your Card." If one only pays the minimum amount, which is sometimes only Euros 25, then one accumulates credit card debt on the credit card account. Lets say you want to rent a car in Germany or abroad. There have only been changes in the recent years, since modern direct banks issued credit cards free-of-charge to their customers as a standard. I wish you good decisions and a good time in Germany! Most banks require a place of residency within Germany and a regular salary payment. Many thanks. Marketing departments of card companies spend millions for this apparently it pays. So take good advantage of your Congrats gift card from $10 at Mastercard Gift Card when shopping on Mastercard Gift Card. Online loan by Smava > The best way to get a loan in Germany! Log into your MyPrepaidCenter account to find the terms and conditions or cardholder agreement of your card. What credit cards can I use in Germany? I have 300 euro debt, but this month I cannot pay it. Visa and Mastercard giftcards In addition to some strong rewards credit cards, Mastercard offers an international prepaid gift card and a prepaid travel card. Standard Bank South Africa MasterCard Credit Card (Gift Card) 5268: Landesbank Berlin (Germany) MasterCard Credit Card: 5274 55: Rubycard Pre 5280 61: BMO Bank of Montreal MasterCard Prepaid Travel . This data is also used to identify whether customers may have specific interests needs based on pages they have visited within our websites/apps. This furniture will be delivered at my house and a guy from the store will process the payment in the delivery day with my credit card (Amex), which is coming by mail. Guide to eGift Cards + Top Frequently Asked Questions, What To Try If Your Prepaid Card Is Declined. Open the business account of the Postbank? A one-time $5.95 purchase fee applies at the time of purchase. However, you should consider an important difference: Some providers start to calculate the expensive loan rate already on the day of the cash withdrawal and not like cashless card transactions that start after the interest-free weeks. with the Polish PLN-Viabuy Card. Purchase gift cards in denominations ranging from $10 to $500. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. You can use it wherever MasterCard works. From your article I guess the only options are viabuy, payangoCard or onlinekonto.de? Of course, given that many of Europe's most popular tourist destinations also happen to be hailed for their culinary delights, few of us would likely cook even with a kitchen. It is also a great gift for family members living abroad and especially useful for young people. Simply give it a try and see, up to which credit line you can get. At Bankrate we strive to help you make smarter financial decisions. What are the best prepaid credit cards in Germany. This could be different insurance companies depending on the customers requirements. It can be virtual, without credit line for sure. Some credit card companies offer to withdraw cash (Bargeld) from the ATM (Geldautomaten) free of charge. Moneycorp White Explorer Masterard Card fee: None Transaction fees: None ATM fee: GB1.50, EU1.75, US$2.30 Other fees: 4.99% foreign exchange fee Enjoy Your Travels! Consistently provide up-to-date, reliable market information so you're well-equipped to make confident decisions. To find out more about cookies, read our Cookie policy. I want my comment to be discarded. they're reminded of who gave it to them, reinforcing a positive connection between with your brand. I havent owned a credit card before and was thinking of finally applying for one. Now I need a Credit card mostly to help with my Online purchases or covering expenses while travelling to USA/UK on business. If you are able to create an account for yourself and link a US cc you can search for "gift card" and purchase gift cards. No fees after purchase (including dormancy, service or other fees). The Prepaid MasterCard Gift Card allows recipients to make their purchases online without needing a bank account or worrying about overspending. Recharging via SEPA bank transfer has a 0,9% fee. The credit card service of German banks is generally better. Which gift cards can you use, internationally? 5,98 euros) +1,75% foreign currency fee on non-euros ATM cash withdrawal 1,75% foreign currency fees no English website for the prepaid card. Of course there are always positive and negative experiences. Instructions! Hi Tanja, Such credit card debt can be postponed for years, as long as one pays the monthly interest on time. In particular, these services are: The best option from our point of view is the DKB Visa Card. Such vouchers are issued by the taxable person, who can calculate the VAT upon transfer. Debit cards are a great way to shop online, as many online stores accept Visa and Mastercard, like other credit cards in Germany. Hi Tanja, I have a creditcard from Sparkasse. 1. Maybe his US Credit Card has not yet been activated for the use abroad? After arrival, I opened a Girokonto with Commerzbank. Stores like Gallerian Kaufhof, Karstadt, Douglas, H&M, etc. That depends at product, price and shop. Good luck! The card is sold in Germany through Points of Sales and can be activated online on the Joker Card website. Though I live in Germany since the last three months, my salary account is in Belgium. Happily, you can explore the tastes of Europe and earn rewards with these dining rewards credit cards. This way, one saves on expensive lending rates. I have it to make instalments! Similarly, free (without annual fee) credit cards could establish in Germany. There is no way we can recommend that. Advice #2: Loan rejected? I want a credit card like gebuhrenfrei but is it possible that I can set the limit/overdraft to zero? abroad travel health insurance In our community of smart banking customers, many are dissatisfied with the bad services and the frequent product decline as well. With laser etching and clean styling, Apple Card is designed with the same craftsmanship we bring to all our products. Alternatively if you are able to transfer money to an account their parent(s) have, you can do that and have the parent(s) select some gift cards in Germany. While purchases in euros are free of charge, there is a 2,49% fee on foreign currency purchases. Bankrate has answers. However, the credit limit is only as high as the credit paid in advance. For our smart readers we do not recommend going to an average bank, but to one of the three best banks. The German head office of AMEX in Frankfurt/M. This data in aggregate form is used to improve our websites and apps. Our US cards work rather well in Germany. Meet you wherever you are in your credit card journey to guide your information search and help you understand your options. While Germany ranks high in Europe for accepting new technology like contactless and mobile payments, it's still largely a cash economy. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Often, foreign credit card companies operate according to the US-American model. Have you already tested this card or can you say something about it? If you'll be spending a good amount of time in any of those three countries, it may be a good idea to get a Maestro card, but if not, you may not need to. For our readers we concentrate on the best German accounts and cards (from our subjective point of view) and on niche products that in special cases suit our audience of smart banking customers. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. While we adhere to strict Are travel cards still useful even if you dont travel much? Standing orders > everything important that you need to know! Is that right? In addition to some strong rewards credit cards, Mastercard offers an international prepaid gift card and a prepaid travel card. I am thinking of cancelling this card and applying for another one. You could also use American Express cards and Discover cards with the Diners Club logo though fewer locations accept them.