A one-time $5.95 purchase fee applies at the time of purchase. Outpayments are done via a collective account number. Do you think that the my recent shifting to Germany and salary account in Belgium are reasons for rejection? Personally speaking, I had few occasions to get in contact with their customer service (and mainly because my credit card was cloned), so I cannot really judge them. Bankrate, LLC NMLS ID# 1427381 | NMLS Consumer Access All other features, such as withdrawing cash fee-free at the corresponding ATMs, apply to the prepaid version as well as to the true credit card. With laser etching and clean styling, Apple Card is designed with the same craftsmanship we bring to all our products. For Giftcards.com, that means our Visa Gift Cards may be used in the U.S. and District of Columbia wherever Visa debit cards are accepted, but they cannot be used at any merchant (including Internet, mail order or telephone order) outside of the country. Generally, VISA and Mastercard credit cards are the most widely accepted cards in Germany (apart from debit cards). Also, you will receive an IBAN. Think no foreign transaction fees. Hi Tanja, really helpful page which is the first to help me in my problem so far! Our goal is to give you the best advice to help you make smart personal finance decisions. Are you aware of how much you have learned about credit cards in Germany today? Prepaid options are great, but youll likely be best prepared for international spending with a credit card with no foreign transaction fees. Yes, that is true. Hello Gregor, thanks for you feedback. For example, the one of Number26 and our article about the use of it on trips abroad: https://www.deutscheskonto.org/en/number26-international/. One of the first providers is number26. This system is possible at the credit card companies, which are presented in Point 1b. When you use the card, you'll get 1% Daily Cash back on every purchase. Plus, add your card to Apple Pay or Google Pay to spend and save with confidenceright from your phone. 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. Everywhere in Germany where you see you card symbol Visa or Mastercard, you can pay with the card. Thanks. Some of the best International Visa gift cards include: AAA MemberPay Visa Prepaid Card Green Dot Prepaid Visa Card TD Connect Reloadable Prepaid Card (fewer fees if you're already a TD cardholder) 5 ultimate advices to get a loan in Germany! I received an invoice in regard of my credit card. There are more than 20 million cards of each of the two major credit card banks in this country. The ADAC provides access to a qualitatively good prepaid credit card for its members. A black credit card does not have the same meaning in Germany as in some other countries. Each ATM cash withdrawal will be charged 5 euros regardless of the currency. For example, the Akimbo gift prepaid Mastercard can be used anywhere that accepts Mastercard debit. Can you recommend any? Now I need a Credit card mostly to help with my Online purchases or covering expenses while travelling to USA/UK on business. In Germany, the term credit card is not always meant for a card with real credit line. Deutsche Bank Credit card offerings. Since then, the credit card acceptance in Germany has been rising month by month. Recharging via SEPA bank transfer has a 0,9% fee. That right. Hes stuck there because he cant touch his funds..Please can someone help me so i can tell my husband what to do.. During the first time, the credit is interest-free, depending on the provider up to 2 months. I havent owned a credit card before and was thinking of finally applying for one. and you can control this by using the buttons on the right side of the page. 1. Show your appreciation to clients, employees and business partners with the gift of choice. Need your expert advise on how should I get a legitimate Credit card, preferably with some credit line. Could you recommend me the cheapest DE prepaid card, which non-German citizens/residents can get. What credit cards can I use in Germany? Many customers are willing to pay a higher annual fee for the credit card, if they feel that they get help in an emergency or replacement for damage. One of the best rewards cards for travelers is the Capital One VentureOne Rewards Credit Card. Bankrates editorial team writes on behalf of YOU the reader. Most gift cards are meant to be used in the US, however some will allow for use abroad, according to their terms and conditions. Click to view all of the codes now. Though I live in Germany since the last three months, my salary account is in Belgium. What are common reasons why this Prepaid Mastercard is declined? All N26 bank cards are Mastercard debit cards that come with contactless NFC technologyeven our bespoke-design metal Mastercard. I am passionate about testing credit cards and services! Use your Mastercard Gift Card in the U.S. everywhere Mastercard debit cards are accepted, including online. These banks are: How common is it for consumers in Germany to purchase products online with credit cards versus paying by another method like direct bank transfer or Klarna? Purchase gift cards in denominations ranging from $10 to $500. this post may contain references to products from our partners. Mastercard. German banking customers are very different. We maintain a firewall between our advertisers and our editorial team. . The credit card service of German banks is generally better. In Germany there are free providers of debit cards. You might be able to buy a gift card at Amazon.de. However, the rechargeable Visa credit cards and MasterCards are colloquially called prepaid credit card in Germany. Following, you can find the different types of credit cards and their functioning, as well as the requirements for the successful application. Credit card accounts and therefore credit card debt exist according to the US-American model in Germany, but they are only offered by a few suppliers and are used accordingly little. In contrast to the USA, one does not have to work for or earn the credit card colours through years of payments. Youll also earn 1.25 miles per dollar on every purchase. He should call his bank. What are the best prepaid credit cards in Germany? When purchased online. Just redeem your instant code to receive your Prepaid Mastercard Gift Card and pay securely online at a variety of websites! There are six main categories for distinguishing credit cards: In Germany, the credit card is used mostly in combination with a current account (Girokonto). Make sure your available balance can cover any possible merchant fees to avoid your card being declined. You can use it wherever MasterCard works. 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. Hello dear forum of Deutscheskonto, I have a question about the credit card portfolio of the DKB. The foreign currency fee is only 2,5%, and cash withdrawals have a 4,95 euros fee per ATM withdrawal. Hi Tanja, I have worked in Germany in 2008 -2011, and opened in DB Gold Master Card. I appreciate your advice! Colour of the card has no particular importance. Redeem it within 6 months in MyPrepaidCenter to get your virtual Prepaid Mastercard details. And the service standard of American Express is at international average. We only focus here on some of the very best (from our subjective point of view). 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. A Red Ventures company. , GiftCard iCard Visa. Do you believe that German consumers are generally debt averse? Someone who has helped more than 100,000 people to obtain a new bank account in the past 7 years. But that is not the subject for our special portal. With some it works, with others not yet. Apply successfully for a loan in Germany (being an immigrant)!? The old-school German girocard you receive with a traditional German bank account will either not be accepted or cause you very high fees. I have 300 euro debt, but this month I cannot pay it. International transfers for real estates (purchasing/selling), How to open a bank account in Germany (via Internet), Open Current Account in Germany! And is it usual for people to use them? Otherwise, you earn 1.5% cash back on new net retail purchases. We sold our first digital gift card in Germany in 2014. Good luck! At direct banks, the credit card is provided in almost all cases free of charge in addition to the current account. 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. Mastercard via N26 bank is the best card for expats in Germany that is accepted worldwide. Get a better Dundle experience with the new app! Choose from pink, yellow, purple or green Virtual Mastercard designs. At Bankrate we strive to help you make smarter financial decisions. 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. 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! the best debit card for kids and travelers in Germany In general, if you wish to purchase online and keep an eye on your expenses, we advise you to look at the debit cards offered by mobile banks: the majority pertain to the VISA or Mastercard systems and display a number and a security code on the debit card, which make it possibile to pay online. Prepaid cards, a type of debit card issued by a bank or credit card company, can be used to make purchases, pay bills, or . We use "cookies" when you visit our website to provide you the best user experience. Barclay New Visa Card 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. Custom Prepaid Cards. I read this article and tried with DKB first and then Barclays. Is it really German card? Bankrate has answers. 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. I prefer the DKB Visa Card but I also dont make personal advice . The background is that the fees for a credit card payment must be paid by the payee. editorial policy, so you can trust that our content is honest and accurate. $106.00. This interest of credit card companies is much higher than a bank loan. Besides that, Barclaycard belongs to the best providers. . Is that right? Mastercard. Our vision is that buying prepaid cards online should be easy, fast and convenient. I wish you good decisions and a good time in Germany! Perhaps you want to recommend the link of this page to friends. Such topics are not within our purview, so probably other websites might be able to help you better. Through the automatic billing, the customer saves the transfer of the credit card billing amount. We know, that some people are fond of N26, and we formerly used to write about this start-up. 3 Miles per $1 spent directly on Air France, KLM Royal Dutch Airlines and SkyTeam member airlines purchases. Even without incoming money, the account and card still remain permanently without monthly or annual fee. At some credit cards of Barclaycard, cash withdrawals from ATMs are free of charge and interest-free for weeks. Are there any fees when using a virtual Mastercard eGift Card? Choose from more than 10 different templates. I have been paying the complete bill monthly. Anyway, it is the cards that you can order the easiest way (online identity check) and is also mailed to England. The Mastercard Virtual gift card is sent by email and generally arrives within 15 minutes of your purchase. The merchant does not allow split tender or partial payments with a prepaid card. The card reader and the cashier do not pay attention to the colour of the card. Hi Tanja, Both prepaid cards and gift cards are loaded with a set amount of money. Personal note: I myself made the experience at a Platinum credit card that included breakdown service, however, with a reason for exclusion: Within the 50-kilometer radius from the place of residence, there is no service, if the vehicle is defective. Often, new providers come to Germany from abroad and offer different credit cards. We tailor our range of products specifically to the German market, so check in with us regularly to see our quickly growing catalogue for Germany. The loan is interest-free until the clearance of account. Here, the fee is usually less than 1% (new: 0.2%) of the card transaction. Particularly good are the free Visa Cards of DKB and Comdirect. 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. Customise your gift with a personal message. 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. 1. 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 . Empowering internationals to settle intolife in Germany more smoothly. Buy and personalize a prepaid Gift Card Mastercard. What is the general preference? Trick How to get a loan up to 5,000 within 24 hours! Do stores accept contact less cards? Choose a Design Virtual Gift Accounts Commerzbank Prepaid Visa/Mastercard Final Thoughts Quick comparison of the best prepaid credit cards in Germany Lets say you want to rent a car in Germany or abroad. 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 resist in Lithuania, but shipping is not an issue, because there are some service providers who gives you an address in Germany, so I can use it for shipping my purchased goods. Any recommendation?? However, the accounting periods (Abrechnungsperioden) differ from bank to bank (DKB: 1 month, Comdirect: 1 month (until 2105 it was still 1 week), ING-DiBa: 1 day just to mention the conditions of the market leading direct banks). Mastercard Black&White Card 2. The Sapphire Card of Chase Bank costs 95 Dollar from the 2. year on. American Express is also accepted at major chains, but not at every shop. The two most important providers are undoubtedly Visa and Mastercard, which are fighting for market leadership in this country. The Visa credit cards of the Internet banks Comdirect and DKB are often easier to get than at banks with branch offices. A MasterCard gift card is typically issued by some bank. What kind of extra money do I have to pay? This has different practical advantages: The creditworthiness of the customer is known. Re: Do "gift cards" exist in Germany? Picture this: Youre taking a trip abroad with friends, after what you thought was some pretty thorough planning. I had applied for a credit card more than a month back with gebuhrenfrei and I got one. Due to the insurance conditions through credit card companies, this test often favours the financial sector. 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. How does it work in Germany for Amex? Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. Advice #4: How to get a loan with negative Schufa! Be careful about prepaid cards purchased in the US. The most popular is the common debit card, which is also known as bank card or Girocard. Is there any disadvantage in Germany of cancelling a card or having multiple credit cards? Celebrate a friend's birthday or a loved one's wedding shower with a Vanilla Visa Gift Card. Were transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. Or should I choose another option, like loans? Supported accounts. Mastercard in Europe is providing payments technology solutions connecting billions of individuals, merchants, financial institutions, governments & businesses. 7 days, 7 emails! For instance, which pages visitors go to most often and if they get error messages from web pages. (Germany) ,Mint MasterCard Credit Card and Capital One UK: 5466: Citibank, MBNA & Chase World MasterCard Credit Cards, 5466 04: You can find excellent alternatives on our special portal. 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. We are an independent, advertising-supported comparison service. 2. Whether the card is the right one for you, depends on what you want to do with it. My name is Tanja and if you continue reading, you will find out why I and this page exist read more. Most credit cards are exempt from insurance in Germany. Debit cards are the most widely used bank cards in Germany. However, some gift cards can be used at select international locations. I have been living in Germany for three years now, first as a student and now with a stable job. 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. Sorry we are a specialized web portal regarding the best German direct banks, so we hardly ever write about local bank branches. Barclays Visa Bonus: American Express Payback Credit Card Conclusion Quick Comparison Of The Best Free Credit Cards In Germany I did hear that other Germen customers with other Amex cards (especially the Gold Card) are content. Meet you wherever you are in your credit card journey to guide your information search and help you understand your options. they're reminded of who gave it to them, reinforcing a positive connection between with your brand. Our US cards work rather well in Germany. In combination with a free prepaid credit card that entitles you to a free cash supply, these offers will have a high demand especially among the younger clientele. 1 Purchases are subject to credit approval, and the PayPal Cashback Mastercard must be used for payment. Depending on what country you are traveling to, you should carry some cash with you. Hence why I never opened a traditional bank account in Germany and went with more modern N26, where I don't pay anything and get both Maestro and Mastercard cards, free of charge. Just call your bank before you leave to let them know you'll be using it overseas. Do you have any tips or opinion on how the DB credit card is? Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. As another co-badging option, combined . The actual service? These are usually between 1% and 3% at Visa and Mastercard. It was so helpful in fact that it helped me write my project about attitudes towards consumer credit in Germany and credit card acceptance. but I wanted to double check: Gregor uses the DKB credit card, especially for payments in foreign currencies, because thee 1.75% foreign transaction fee are automatically reimbursed onto the Giro account at the end of the month. To find out more about cookies, read our Cookie policy. Should you also be looking for the best free credit card in Germany, we have got you covered: Best Free Credit Cards in Germany. Whoever wants to have a credit card with credit line for cashless payments and can waive on extras, such as an insurance package, will find enough offers without having to pay for the credit 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. Do you know which banks offer them? 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. Posted by Michael Schneider New Paltz, NY 03/15/13 03:57 AM 9028 posts The Mastercard debit card is a Maestro card. Otherwise, I think that this credit card is really great: Number26. What are the restrictions for paying with an instant Mastercard Gift Card? It also comes with an easy and fast online application. Some direct banks are less strict when the customers creditworthiness is rated as good to very good. Purchase gift cards in denominations ranging from $10 to $500. While we adhere to strict California Consumer Financial Privacy Notice, 3% of the U.S. dollar amount spent per transaction, No activation fee, Cashpass mobile app, Bill pay, Plan fee: $6.95 Inactivity fee: $3.95/month. In the USA, most credit cards often give you bonuses for signing up, such as 200-600 dollars cash or points after initial purchases. Mastercard eGift Card (Email Delivery) Mastercard. Is it possible to make credit limit/overdraft limit to zero in gebuhrenfrei or DKB? Simple Germany is a trademark registered in the European Union. Directly after purchase, your virtual Mastercard Gift Card code will appear on your screen and simultaneously be sent to your email address. Maestro cards are used widely in Austria, Germany and the Netherlands, and much less everywhere else. Additionally, credit card companies do not secure the risk for themselves, but mediate their credit card customers to an external group insurance. In england we have many travel cards but they will only let us put pounds sterling on the card and convert it to euros (thats how they make their money I guess). At Barclaycard, this is the New Visa and at American Express the Payback Card. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. Our vision is that buying prepaid cards online should be easy, fast and convenient. This website uses cookies to provide you the best user experience. The only possibility that I see is this card here: https://www.deutscheskonto.org/en/viabuy/ (delivery will be to Lithuania). What to do when you lose your 401(k) match, credit card with no foreign transaction fees, Capital One VentureOne Rewards Credit Card, 7 tips for using credit cards while traveling. Here are our picks for the best prepaid credit cards in Germany without a SCHUFA credit check. International use for most people an amazing surprise! Order online and once your information has been verified, you'll receive your Card in the mail within 7-10 business days. Also, this is not ideal for booking Hotels outside EU. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout lifes financial journey. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. I was Platinum Business customer in 2012-2013 as a summary Id like to say, what American Express Germany does best, is marketing. I am looking for a Girokonto together with Debit Master card or Debit visa. The Hanseatic Bank GenialCard is a revolving credit card in Germany with a good reputation. Any linked and verified German bank account. On our special portal for clever banking in Germany we always refer to the Viabuy MasterCard that you order in Germany! I am thinking of cancelling this card and applying for another one. Instead of an issuing fee, it has a higher yearly fee. I have a brother who lives in Lebanon and I want to hbrp him and send him a card that Ill be able to recharge from Germany (preferably not at a bank) and he will be able to use it for ATM cash withdrawl. Hi, my name is Stephanie and I am an exchange student from Australia. Doesnt it sound very wrong that they are giving it on the basis of nationality? 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. 3 out of 5 stars with 2 ratings. What are my rights in that regard ? What do you recommend in this situation? Ive tried several LT cards, UK card, also paypal.. the same problem. This is due to the security structure Viabuy uses. I read in the price-performance-list of the DKB that there is also a DKB-MasterCard Platinum. 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. The Mastercard debit card is a Maestro card. In this guide, we will review and compare the best prepaid credit cards in Germany without a SCHUFA credit check, here is a quick summary: After reading this guide, you will have a better understanding of why a prepaid credit card is a good option, and you will be able to pick the right provider for your usage and needs. Take our 3 minute quiz and match with an advisor today. Complete the checkout process safely and quickly with a choice of more than 70 payment methods. Can you buy gift cards with a credit card? How does one buy gift cards in the US that are good in Germany? I want a credit card like gebuhrenfrei but is it possible that I can set the limit/overdraft to zero? MORE+. While these can be helpful in a pinch, the safest international spending will be done through a credit card with no foreign transaction fees. Thank you. Without income and creditworthiness check, you can open the MasterCard with a Smartphone-current account. Shop or withdraw money anywhere in the world, and keep your money safe with 3D Secure from Mastercard. But for the next three years, one does not need to pay and card fees anymore. Hi! Banks with branch offices often charge a yearly fee for the credit card. Recommendation: Splitting the bank and insurance products. 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. 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. Advice #5: How to pay lower loan interest than anybody else! 8.4K views View upvotes Answer requested by Shanmuga Sundaram 3