DKB: offers since years the best conditions in Germany. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. Just redeem your instant code to receive your Prepaid Mastercard Gift Card and pay securely online at a variety of websites! I was able to increase my limit this way up to a high four-figure amount. With a setup fee of 89.70 Euro, Viabuy seems expensive at first glance, especially if you only want to use it for three weeks. Debit cards are a great way to shop online, as many online stores accept Visa and Mastercard, like other credit cards in Germany. Mastercard Gift Card - $100 + $6 Fee. How do I use my Mastercard Gift Card to shop online? This is the only card in this comparison that does not have embossing and thus might be identified faster as a prepaid credit card. for the first 6 months after card registration. Without annual fee, and without international service fee. thank you for your nice posting! 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! Yes! Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. I have been able to use a prepaid credit card for renting a car when it had enough money on it, although you should double-check with the rental company beforehand, as it does get rejected at times. But both of them denied my application. 3 Miles per $1 spent directly on Air France, KLM Royal Dutch Airlines and SkyTeam member airlines purchases. Order online and once your information has been verified, you'll receive your Card in the mail within 7-10 business days. Strangely, one cannot withdraw cash free of charge at ATMs with the DKB Platinum MasterCard and even the foreign transaction fee applies! Mastercard | A World Beyond Cash | Leader in Global Digital Payment Solutions & Technology Mastercard ist ein weltweiter Pionier in Zahlungsinnovation und -technologie, der Milliarden von Verbrauchern, Emittenten und Unternehmen weltweit miteinander verbindet. . Skip to Content MASTERCARD BENEFIT INQUIRIES Your benefits may vary by card type and by issuing financial institution. The Hanseatic Bank GenialCard is a revolving credit card in Germany with a good reputation. With a regular credit card, the potential misuse might cause you more serious financial damage, depending on your cards credit limit. How can I check my prepaid virtual Mastercard balance? Some direct banks are less strict when the customers creditworthiness is rated as good to very good. 2.Follow the on-screen instructions, including entering your card number manually or taking a picture of your plastic card. What you didnt plan for, however, was your card not working at the majority of ATMs abroad. Where the change has already been implemented, payment by touching the terminal with the card is totally normal and works. 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. Whether the card is the right one for you, depends on what you want to do with it. The Black&White Prepaid Mastercard comes with an online banking account, that you can use on any device. 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. It is Mojo, the premium gift card brand, its experiences are picked from all the exotic and amazing places of the world in 28 different countries. Not credit, not prepaid. It seems that this card is not actively promoted and I have not yet found detailed information about this card on your DKB-page. gift card olympic: 105: bananacoast community credit union limited: 104: commercial bank of ethiopia: 104: nepal sbi bank limited: 104: albaraka turk katilim bankasi a.s. 103: banco de caja espana de inversiones salamanca y soria s.a. 103: romanian commercial bank s.a. - banca comerciala romana s.a. 103: bank of the philippine islands: 100 . Train the Barclaycard How to push your credit line to Euros 9,500! When it comes to prepaid credit cards in Germany, I couldnt find one card without fees. But, there are some limitations there, as well. Unsupported accounts. It is true that this card is not really promoted by the DKB furthermore, one cannot even apply for it online. I am thinking of cancelling this card and applying for another one. Make sure to redeem your gift card code within 6 months after the purchase. Advanzia Mastercard Gold (aka Gebhrenfrei) 4. But in contrast to some other countries, one can still say about us, that we still have a middle class worth mentioning, with assets worth mentioning and therefore might need fewer loans. The success rate for the account and credit card application is more than 99%. Also, these cards can be reloaded, which means you can simply put more money on the card when needed. Do you think that the my recent shifting to Germany and salary account in Belgium are reasons for rejection? What Are The Best Free Credit Cards In Germany? Yes, of course. Choose a Design Virtual Gift Accounts It is based on standards and agreements developed by the German Banking Industry Committee.. German girocards are usually co-branded with Mastercard's Maestro/Cirrus or Visa's V Pay logo, allowing cardholders to use them in other European countries. PPRO Financial Ltd and with that Viabuy have bases in several European states. When purchased online. The Visa card of the ING-DiBa in Germany is a debit card. As a secondary account + overdraft facility, Power of attorney (in German: Bankvollmacht) done in 5 minutes, Overdraft facility without incoming salary transfer. In Italy, among the miles/points collectors, american express is considered one of the best, or maybe the best. Still, the provider gains new customers every day and is growing. While purchases in euros are free of charge, there is a 2,75% fee on foreign currency purchases. Now I need a Credit card mostly to help with my Online purchases or covering expenses while travelling to USA/UK on business. Hi, thanks. Everywhere in Germany where you see you card symbol Visa or Mastercard, you can pay with the card. 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. Here are our picks for the best prepaid credit cards in Germany without a SCHUFA credit check. 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). apart from Deutsche Bank, of course i have two credit cards with Deutsche Bank. A single-purpose voucher is a voucher where the place of supply of the goods or services to which the voucher relates, and the VAT due on those goods or services, are known at the time the voucher is issued. If one is a customer at a credit card company or would like to become a customer there, one can also order the automatic billing. Rahmenkredit (Framework Credit) How I got 25,000 Euro immediately and how you can do that, too! Meet you wherever you are in your credit card journey to guide your information search and help you understand your options. Empowering internationals to settle intolife in Germany more smoothly. Through the current account, the bank knows the creditworthiness (Bonitt) of the customer and provides a corresponding credit line. In particular, these services are: 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. 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. Thank you! You will receive the code directly by email, so that you can use the credit immediately. Because in footer of viabuy website it is mentioned The VIABUY Prepaid MasterCard is issued by PPRO Financial Ltd, and this company resist in UK.. Someone said that I should check the instalments with my bank, because the guy should receive all the amount (of course) and the instalments should be decided between me and my bank, which for me are breaking news. Most credit cards on this site provide this integrated feature: Barclaycard, Comdirect, DKB, ING-DiBa, Fidor SmartCard. 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). Spend as little or as much as you like, up to $250. No fees after purchase (including dormancy, service or other fees). In addition to some strong rewards credit cards, Mastercard offers an international prepaid gift card and a prepaid travel card. The following credit cards have no annual or monthly fee. 1. Is it possible to make credit limit/overdraft limit to zero in gebuhrenfrei or DKB? Additional overdraft facility? At some credit cards of Barclaycard, cash withdrawals from ATMs are free of charge and interest-free for weeks. Or should I choose another option, like loans? Also, you will receive an IBAN. Your online payments are fully secured, with the extra 3D Secure security layer. The billing address you entered at the merchant website is not the same as the one you entered when you created the virtual card in your account. One of the best rewards cards for travelers is the Capital One VentureOne Rewards Credit Card. Credit Cards in Germany It is somewhat confusing that the word "credit card (Kreditkarte)" in Germany is used as a synonym for the Visa card or MasterCard. Statistically, every 80th German is a Euro millionaire which means, has assets of at least 1 million Euro (assets minus debts). Hi, it is possible to use an US debit card in Germany? How much should you contribute to your 401(k)? Otherwise, you earn 1.5% cash back on new net retail purchases. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. Simply log into your MyPrepaidCenter account to view the remaining balance and transaction history of your card(s). Even without incoming money, the account and card still remain permanently without monthly or annual fee. In our community of smart banking customers, many are dissatisfied with the bad services and the frequent product decline as well. I am looking for a card that I can either load the euros onto or transfer euros onto from the German account, as I dont like to carry that much cash. ), which card is the better option for you. (Only check this, if you are a computer program.). Anything over 10000 would be great. 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. You can use the PayPal Prepaid Mastercard to eat, drink and shop anywhere Debit Mastercard is accepted. Just buy the card and activate it to use it anywhere anytime. The transfer has to be made to a BW Bank account with the mentioning of your credit card number. The Visa credit cards of the Internet banks Comdirect and DKB are often easier to get than at banks with branch offices. That is the price to pay for not having to prove good credit. To use your prepaid credit card for such purposes, you need to have wired enough money onto the credit card before you can use it. What do you recommend in this situation? Your Amazon.com Balance cannot be used to purchase Visa gift cards. Simply give it a try and see, up to which credit line you can get. Meaning If I do not put any money in that card, I should not be able to do any transaction but at the same time the charges of that should be like gebuhrenfrei or DKB. She understands the struggle of settling in a new home and is happy to share simple services and tips on how things are done in her home country, to help expats get their German experience started. You will have to pay a one-time issuing fee of 89,90 euros and each recharge of the card carries a fee of 1,25%. Even at my request to simply arrange the breakdown service and bearing the costs myself, no one felt capable of helping me. A black credit card does not have the same meaning in Germany as in some other countries. Activate Mastercard Debit Card Online One of the easiest ways to activate your card is to use your desktop, laptop or mobile device to log in to your bank's online portal. Then I cancelled, and even that turned out to be problematic and took a while. At some, this fee can be reimbursed through minimum transactions at the end of the year. However, one cannot pay everywhere with a credit card and sometimes one can find signs stating Card payment possible from Euro 10 in the stores. and you can control this by using the buttons on the right side of the page. i have a very good salary which comes directly to my Deutsche Bank. A transaction fee of up to 2% will be applied to any payments made outside the U.S. Each card in this comparison has its pros and cons, and it depends on your anticipated usage (how often, for how long, with how much balance, etc. A few specific Mastercard gift cards for international use include the following: do not work overseas. These cookies are required in order to allow you to move throughout the website and use its functionalities, such as accessing secure areas of the website. At Barclaycard, one can train the credit line from sixth month of customer relationship. (English speaking), Open an online-current account in Germany this is possible here . While Germany ranks high in Europe for accepting new technology like contactless and mobile payments, it's still largely a cash economy. 1. Mastercard Gift Card - $25 + $4 Fee. quick and easy online application English website and customer service, 9,95 euros one-time issuing fee 7,95 euros yearly fee (starting the 2nd year) 2,50 euros / month if inactive for 3 months 0,95 euros recharge fee by bank transfer 4,95 euros fee on ATM cash withdrawal in Germany and abroad 2,5% foreign currency fees no embossing on the card. cancellation insurance for journeys 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). Such vouchers are issued by the taxable person, who can calculate the VAT upon transfer. Bankrate.com is an independent, advertising-supported publisher and comparison service. Comdirect is ideal for new arrivals in Germany. Have you already tested this card or can you say something about it? From your article I guess the only options are viabuy, payangoCard or onlinekonto.de? Good luck! 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 ). There are plenty of offers without credit card fees. American Express is partly still expensive. We sold our first digital gift card in Germany in 2014. Do you have any tips or opinion on how the DB credit card is? We are an independent, advertising-supported comparison service. 8.4K views View upvotes Answer requested by Shanmuga Sundaram 3 Barclays Visa Bonus: American Express Payback Credit Card Conclusion Quick Comparison Of The Best Free Credit Cards In Germany ; MasterCard Red with PayPass technology 5466 - Citibank, MBNA & Chase World MasterCard Credit Cards, 546604 - First USA Banke, N.A. We know, that some people are fond of N26, and we formerly used to write about this start-up. Because I only configure a direct debit for Amex, theres no bank to talk. Thanks. Debit cards are the most widely used bank cards in Germany. Directly after purchase, your virtual Mastercard Gift Card code will appear on your screen and simultaneously be sent to your email address. What are common reasons why this Prepaid Mastercard is declined? Design your card to truly represent your brand. These are usually between 1% and 3% at Visa and Mastercard. Joker MasterCard is a product of Novum Bank Limited. Travel and health-related risk insurances should rather be concluded through a good insurance broker, because he/she selects the best for the customer out of several providers. We use "cookies" when you visit our website to provide you the best user experience. They will check first this is common for insurance companies whether there is a reason that they do not have to pay. The service of prepaid credit card providers in Germany is at the international quality standard. Can you recommend any? We use cookies for an optimally functioning website, including tracking and social media cookies. Most gift cards are meant to be used in the US, however some will allow for use abroad, according to their terms and conditions. Its transactions will be debited immediately from the current account. The issuing fee is smaller, but the yearly fee is higher. Not only will you be free of foreign transaction fees, this card also has no annual fee. Barclaycard New Visa is the best solo credit card. A free credit card provides no insurance. Do you believe that German consumers are generally debt averse? The cards work so that all credit card transactions on a credit card account go into the red. Perhaps you want to recommend the link of this page to friends. This data is also used to identify whether customers may have specific interests needs based on pages they have visited within our websites/apps. Notify me of followup comments via e-mail. Thanks a lot for your help and glad to know I havent missed something! Some smaller businesses only accept cash or electronic payment via our European/national system. Create a Custom Card Pre-designed Gift Cards Save time and choose from 100's of unique designs perfect for all occasions. 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 . The credit card company will automatically increase the limit. I wish you good decisions and a good time in Germany! The Money2Go Prepaid Mastercard is a prepaid credit card issued by the Maltese Novum Bank. The Joker MasterCard is a prepaid card, this means that prior to any use it must be loaded. Santander 1 plus Visa Card Apply for Salander 1 plus Visa Card 4. Posted by Michael Schneider New Paltz, NY 03/15/13 03:57 AM 9028 posts The Mastercard debit card is a Maestro card. Use your bank ATM card to get cash at bank ATMs in Germany. Make sure your available balance can cover any possible merchant fees to avoid your card being declined. Maybe you could simply talk again to another employee of your bank? From TransferWise to only Wise but the services grow! Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. The average private Viabuy customer will in 99.9 percent of the cases not be confronted with this and can use account and card comfortably and reliably. Germany still remains as one of the most cash-intensive advanced economies on earth. We cannot say anything regarding HypoVereinsbank, since we are not customers there. There are more than 2,000 banks and even more card models in Germany. Whether virtual credit cards that are mainly compatible for Internet payments will play a significant role in Germany, remains to be seen. Here: Viabuy. Also, you usually get free doubled warranty, price protection on all purchases, theft protection, free car rental insurance, etc. Bankrate, LLC NMLS ID# 1427381 | NMLS Consumer Access Here are some gift cards that have limited use outside the US: Cards that have a little more freedom of use are those issued by Visa or Mastercard. Any issuers discussed on our site are vetted based on the value they provide to consumers at each of these levels. But that is not the subject for our special portal. This is very good for many things, however, Ive now noticed that for cashless payments outside EU, 1,75% surcharge will apply, meaning, when Im outside EU, I should either get cash money from ATM via Visa Card and pay by cash all the time, or willing to pay that 1.75%. It's low cost and requires no effort from you - all you need to do is enter a few details. Such a provider will probably not exist, because such a practice goes against several German and European regulations. Viabuy has been founded by very smart people, who cleverly used the laws and regulations within the European Union, Germany and Great Britain. All Rights Reserved. Joker MasterCard. Until then, no credit interest applies. Chase Sapphire Reserve. The answer: Nearby the place of residence, because one usually stays there. Get ourFREEguide with 7 actionable hacks to save money while living in Germany. Trick How to get a loan up to 5,000 within 24 hours! Without income and creditworthiness check, you can open the MasterCard with a Smartphone-current account. Log into your MyPrepaidCenter account to find the terms and conditions or cardholder agreement of your card. Happily, you can explore the tastes of Europe and earn rewards with these dining rewards credit cards. From one corner to another t. Maybe his US Credit Card has not yet been activated for the use abroad? Mastercard gift card You can generally use a Mastercard gift card anywhere in the world where Mastercard is accepted. 5460 - Berliner Bank (Germany),Mint MasterCard Credit Card and Capital One UK 546259 - The Governor And Company Of The Bank Of Ireland EUR IRL DUBLIN 2 546286 - Dexia banka Slovensko,a.s. Moneycorp Red Explorer Mastercard Card fee: None Transaction fees: None ATM fee: None Other fees: 4.99% foreign exchange fee 3. Be careful about prepaid cards purchased in the US. girocard is an interbank network and debit card service connecting virtually all German ATMs and banks. Do we have to inform the bank in person every time we travel or can we do this online ourselves? For this reason, most branded gift cards are US-bound. To find out more about cookies, read our Cookie policy. Make a powerful connection to your recipients with fully customized Mastercard and Visa prepaid cards. Such credit card debt can be postponed for years, as long as one pays the monthly interest on time. The Mastercard VIABUY also is a high-quality prepaid credit card with an effortless and fast online application. Why is this? Reduce industry jargon so you get the clearest form of information possible, so you can make the right decision for you. And the service standard of American Express is at international average. 1.5 Miles per $1 spent on all other purchases. Just call your bank before you leave to let them know you'll be using it overseas. TF Bank Mastercard Gold 3. Hi Tanja, Hey, hey. Can I do it? There is also a DB Platinum Mastercard missing from this table. Whether the plastic card is combined with a revolving account on which the credit card debt is accumulated or not. At Bankrate we strive to help you make smarter financial decisions. My true charge credit card remains safe as a backup, while the prepaid credit card is in my wallet for daily use. Strangely, the most retail banks charge their customers an annual fee (Jahresgebhr) for providing a credit card. most?) Good luck! All trademarks and registered trademarks are the property of their respective owners. This topic has been automatically closed due to a period of inactivity. Usually one must become a customer directly with a credit card account. The Miles & More Credit Card Blue World of Lufthansa. In addition, the prevalence of credit cards is not that high, because local banks often issue them only hesitantly and with too high fees. Thanks so much. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. That is an interesting challenge! Our specialty por-tal mainly focuses on cards that are permanently free of charge. It works like this: Take advantage of the credit limit between 90 up to 95% and pay the amount back on time. As of April 1, 2012, federal regulations made it difficult for gift cards sold within the United States to be used elsewhere.