Be sure to check the fine print to be aware of any transaction fees. She said that she would call me back or that she would send me an email, as I preferred. This website uses cookies to provide you the best user experience. Bankrate, LLC NMLS ID# 1427381 | NMLS Consumer Access When you use the card, you'll get 1% Daily Cash back on every purchase. Instructions! 1. Therefore, it is difficult to give a permanently valid overview. You can live in Germany without a credit card, but you do not have to! We are not the Deutsche Bank. Both prepaid cards and gift cards are loaded with a set amount of money. Simply log into your MyPrepaidCenter account to view the remaining balance and transaction history of your card(s). I checked the one offered by Deutsche Bank and they charge 39 euros per year for it. Often, new providers come to Germany from abroad and offer different credit cards. 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 This article contains affiliate links. Choose from more than 10 different templates. The possibilities are endless! Sometimes we can assist with challenges regarding the cards and accounts that we monitor but we cant and dont want to render legal advice. (Only check this, if you are a computer program.). The merchant does not accept Mastercard Debit Cards or Discover Cards. It seems that this card is not actively promoted and I have not yet found detailed information about this card on your DKB-page. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. We do not know any German card provider regardless of bank or not-bank that would allow to open an account in your own name and then give the card to somebody else. Hello Everyone, Ive tried several LT cards, UK card, also paypal.. the same problem. 5,98 euros) fee on ATM cash withdrawal in Germany 1,95% (min. For example, the one of Number26 and our article about the use of it on trips abroad: https://www.deutscheskonto.org/en/number26-international/. Should you accept an early retirement offer? 2. financial protection at the deductibles of rental car insurances Im trying to solve one small issue:) I just need to order some goods from German eshop, but it only sells internally in Germany. Information on MASTERCARD BIN numbers. In retail or online shopping, the cards are used to pay for purchases. Mastercard. Mastercard via N26 bank is the best card for expats in Germany that is accepted worldwide. How does one buy gift cards in the US that are good in Germany? The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. While most gift cards can only be used domestically, Mastercard and Visa debit cards, prepaid or otherwise, can usually be used anywhere. The Money2Go Prepaid Mastercard is a prepaid credit card issued by the Maltese Novum Bank. Such credit card debt can be postponed for years, as long as one pays the monthly interest on time. So maybe it is worthwhile? Hello dear forum of Deutscheskonto, I have a question about the credit card portfolio of the DKB. The loan is interest-free until the clearance of account. 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. Do you know which banks offer them? Barclay New Visa Card To find out more about cookies, read our Cookie policy. Consistently provide up-to-date, reliable market information so you're well-equipped to make confident decisions. I did hear that other Germen customers with other Amex cards (especially the Gold Card) are content. 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). Barclays Visa Bonus: American Express Payback Credit Card Conclusion Quick Comparison Of The Best Free Credit Cards In Germany Some smaller businesses only accept cash or electronic payment via our European/national system. Having said that, do you think the amex platinum is really convenient considering the price (600 per year)? It works like this: Take advantage of the credit limit between 90 up to 95% and pay the amount back on time. Recharging via SEPA bank transfer has a 0,9% fee. In the USA, most credit cards often give you bonuses for signing up, such as 200-600 dollars cash or points after initial purchases. Whether it is payment cards, gaming credit or mobile phone credit - Dundle has got you covered! At the time of the creation of this page, the Barclaycards New Visa and Gold consider cash withdrawals as common card transactions, so that the cash withdrawal at the ATM is really free of charge and interest-free for several weeks. I appreciate your advice! You can pay with it as often as youd like until the balance reaches zero. Simply give it a try and see, up to which credit line you can get. One has to know the consequences of the minimum amount . The most popular is the common debit card, which is also known as bank card or Girocard. Good luck! Meet you wherever you are in your credit card journey to guide your information search and help you understand your options. Difficulties came up again and again. This is great for controlling your spending or setting yourself a budget; however, you do not have a true credit. While purchases in euros are free of charge, there is a 2,75% fee on foreign currency purchases. You can also get a prepaid card at a post office. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. Now these ones you can register a zipcode. When it comes to prepaid credit cards in Germany, I couldnt find one card without fees. But both of them denied my application. I have had a deutsche bank account throughout this time. Can I find on the market something similar, with the same benefits, at lower price? 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. Barclaycard New Visa is the best solo credit card. One perfect gift. There's no points earning system in Germany, nor is cash back a thing. I applied for a credit card from then and got rejected. Show your appreciation to clients, employees and business partners with the gift of choice. In cases like this, having gift cards or a prepaid card that you can transfer cash onto could be a quick way to ensure uninterrupted purchases. 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. Genialcard Apply for Genialcard 3. Would that be something for you? Same-day delivery*. There is no way we can recommend that. How do I use my Mastercard Gift Card to shop online? You will have to pay a one-time fee of 69,90 euros and a yearly fee of 19,90 euros. Advanzia Mastercard Gold (aka Gebhrenfrei) 4. I read in the price-performance-list of the DKB that there is also a DKB-MasterCard Platinum. 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. VIMPay. Due to the insurance conditions through credit card companies, this test often favours the financial sector. On the website www.gebuhrenfrei.com, the Luxembourg Advanzia Bank does provide a free credit card for customers in Germany. Whether the plastic card is combined with a revolving account on which the credit card debt is accumulated or not. But is it really worth the money? Most banks require a place of residency within Germany and a regular salary payment. Everywhere in Germany where you see you card symbol Visa or Mastercard, you can pay with the card. See the best current cash bonus promotions here. 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. You can also get gift cards and prepaid cards with the Mastercard logo at big box stores like Walmart, Target and Sams Club. Thanks. Hi Tanja, really helpful page which is the first to help me in my problem so far! Mastercard VIABUY 3. Especially for expats, a prepaid credit card without a SCHUFA credit check is a fantastic alternative, whether you have unsuccessfully tried to apply for a true credit card or simply want to be in control of your spendings. Also, these cards can be reloaded, which means you can simply put more money on the card when needed. thanks. Hi, ), which card is the better option for you. All Rights Reserved. Any linked and verified German bank account. Joker MasterCard is a product of Novum Bank Limited. The only requirements are: can be ordered online, possibility to transfer funds via SEPA transfer or topup with other card (like Revolut offers). apart from Deutsche Bank, of course i have two credit cards with Deutsche Bank. Spend as little or as much as you like, up to $250. No fees after purchase (including dormancy, service or other fees). With a credit card, you can withdraw money at any ATM worldwide. Nowadays, even the prepaid credit cards are available in the supposedly coveted colours for a relatively small fee. Youll also earn 1.25 miles per dollar on every purchase. Are you aware of how much you have learned about credit cards in Germany today? You need to activate Javascript and reload this page to be able to comment. Sorry we are a specialized web portal regarding the best German direct banks, so we hardly ever write about local bank branches. Get a better Dundle experience with the new app! 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. Otherwise, I think that this credit card is really great: Number26. GiftCard Mastercard or VISA prepaid cards I GiftCards.eu Countless wishes. I have been a credit card since 1 year but I am not happy with their service at all. When presenting a gold or platinum card, no special status is granted. For example, the Akimbo gift prepaid Mastercard can be used anywhere that accepts Mastercard debit. This is due to the security structure Viabuy uses. Payments with these credit cards increase year by year, however, they are still not universally accepted. The issuing fee is smaller, but the yearly fee is higher. 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. How does it work in Germany for Amex? Any recommendation?? BIN Scheme Type Category Country; 510000: MASTERCARD: CREDIT: ROMANIA: 510001: MASTERCARD: CREDIT: GOLD: GREECE: 510002: MASTERCARD: CREDIT: STANDARD . Still, the provider gains new customers every day and is growing. Related Guide: Best Free Credit Card in Germany. Theres no limit on how many miles you can earn, and your miles will never expire. Use your bank ATM card to get cash at bank ATMs in Germany. Commerzbank is 7,9 Euro pro Monat and Deutsche Bank is around 6,5 euro, what do you recommend? Hi Tanja, I have a creditcard from Sparkasse. At direct banks, the credit card is provided in almost all cases free of charge in addition to the current account. Good luck! Our vision is that buying prepaid cards online should be easy, fast and convenient. I have been living in Germany for a little over two years. See Rewards Program Terms for details and restrictions. no annual fee high-quality card with embossing 3 years card validity quick and easy 3-minute online-application, 89,90 euros one-time issuing fee 1,25% fee for each recharge 1,99 euros / month if inactive 2,49% / cash withdrawal in Germany and abroad 2,49% foreign currency fees only German website & customer service. My true charge credit card remains safe as a backup, while the prepaid credit card is in my wallet for daily use. Most wide-spread are the credit cards of the companies Visa and MasterCard, as these are issued in cooperation with countless banks. Generally, VISA and Mastercard credit cards are the most widely accepted cards in Germany (apart from debit cards). Most credit cards on this site provide this integrated feature: Barclaycard, Comdirect, DKB, ING-DiBa, Fidor SmartCard. 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. The old-school German girocard you receive with a traditional German bank account will either not be accepted or cause you very high fees. That right. If you just take an American Express card, you won't get to use it in many places. Do stores accept contact less cards? This has different practical advantages: The creditworthiness of the customer is known. Apply successfully for a loan in Germany (being an immigrant)!? This topic has been automatically closed due to a period of inactivity. Is this also a case in Comdirect or only DKB? Applications are subject to credit approval. 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. Viabuy has been founded by very smart people, who cleverly used the laws and regulations within the European Union, Germany and Great Britain. Visa is not widely accepted as there is another local card system (EC) that are the first choice. Notify me of followup comments via e-mail. Create a Custom Card Pre-designed Gift Cards Save time and choose from 100's of unique designs perfect for all occasions. . 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. Hello, relocated to Germany and travel around the world a lot. Should you also be looking for the best free credit card in Germany, we have got you covered: Best Free Credit Cards in Germany. Visa and Mastercard giftcards In addition to some strong rewards credit cards, Mastercard offers an international prepaid gift card and a prepaid travel card. Hi Tanja, I have worked in Germany in 2008 -2011, and opened in DB Gold Master Card. You can use the PayPal Prepaid Mastercard to eat, drink and shop anywhere Debit Mastercard is accepted. I was Platinum Business customer in 2012-2013 as a summary Id like to say, what American Express Germany does best, is marketing. However, Visa does offer some gifts cards that can be used abroad through banks, such as the PNC Bank Visa Gift card. 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. BR Tech Services, Inc. NMLS ID #1743443 | NMLS Consumer Access. Im really upset given that this situation was poorly handled by the banks employee. Your recipient simply clicks a link to claim their gift and will be provided with a 15-digit Visa card number . Many shops may not like it if you pay with credit cards. How can I check my prepaid virtual Mastercard balance? However, you will become a customer of a bank that checks the customer more into detail as a prepaid provider: New: PayCenter offers a full Online current account with MasterCard. 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! 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. 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.
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