They are an average provider with average conditions. 24/7 emergency service in case of loss or theft (+49 (0)89998298610) As of April 1, 2012, federal regulations made it difficult for gift cards sold within the United States to be used elsewhere. PayangoCard 4. I am looking for a Girokonto together with Debit Master card or Debit visa. , GiftCard iCard Visa. Recharging via bank transfer is free of charge, and the transfer has to be made to a Commerzbank account with the mentioning of your credit card number. Mastercard in Europe is providing payments technology solutions connecting billions of individuals, merchants, financial institutions, governments & businesses. In Germany, the customer has to pay for almost all credit cards of American Express. Why TransferWise for international transfers? The loan is interest-free until the clearance of account. It would probably be easiest to take a credit card of the Commerzbank, as this bank already knows your creditworthiness and your income. Particularly good are the free Visa Cards of DKB and Comdirect. 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. Make a powerful connection to your recipients with fully customized Mastercard and Visa prepaid cards. The other 2/3 mainly uses the partly free service, at least the interest-free period up to the credit card statement and the date of payment. Thank you. Most Visa cards that you purchase are US-bound. Just buy the card and activate it to use it anywhere anytime. Commerzbank Prepaid Visa/Mastercard Final Thoughts Quick comparison of the best prepaid credit cards in Germany Related Guide: How To Get SCHUFA In Germany? Sometimes we can assist with challenges regarding the cards and accounts that we monitor but we cant and dont want to render legal advice. The Black&White Prepaid Mastercard comes with an online banking account, that you can use on any device. The motivation of the financial industry is to earn more money from the customer. 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. South Africa, our cards are blocked. International use for most people an amazing surprise! thank you for prompt response. Lets take a look. Thank you for the nice info. Subject to activation and identity verifications. 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. Outpayments are done via a collective account number. $100 Mastercard Gift Card (plus $5.95 Purchase Fee) 4.7 (6,984) $10595 Amazon.com Gift Card in a Holiday Gift Box (Various Designs) 4.9 (181,171) $2500 - $2,00000 Airbnb Gift Cards - Email Delivery 4.8 (1,000) $2500 - $50000 FREE delivery Amazon.com Gift Card in a Premium Gift Box 4.9 (21,334) $5000 - $2,00000 There are more than 2,000 banks and even more card models in Germany. The Visa PayangoCard is a debit card with the functionality of a prepaid credit card. Cards are shipped ready to use. These cookies allow us to provide you our service. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. Due to own experiences, we do not recommend them anymore. Ive applied for comdirect and got my account. More than 3 million people have already decided on using the DKB Card entschieden. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. I want my comment to be discarded. A black credit card does not have the same meaning in Germany as in some other countries. Notify me of followup comments via e-mail. We sold our first digital gift card in Germany in 2014. For deposits you have your own virtual account number. From the 2. year on a monthly incoming amount of 700 Euro would be necessary for the account (the money can be used for something else right away), in order for the interna-tional service fee to remain at 0%. Could you recommend me the cheapest DE prepaid card, which non-German citizens/residents can get. Re: Do "gift cards" exist in Germany? Von Alex / Juni 17, 2022 / debit card, germany. The actual service? There is also a DB Platinum Mastercard missing from this table. Comdirect is ideal for new arrivals in Germany. You can top it up with a voucher, SOFORT or a bank transfer. Advice #2: Loan rejected? We use "cookies" when you visit our website to provide you the best user experience. 1. 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. The only requirements are: can be ordered online, possibility to transfer funds via SEPA transfer or topup with other card (like Revolut offers). Mastercard Gift Card - $100 + $6 Fee. Hi, Most wide-spread are the credit cards of the companies Visa and MasterCard, as these are issued in cooperation with countless banks. We are an independent, advertising-supported comparison service. Most gift cards are meant to be used in the US, however some will allow for use abroad, according to their terms and conditions. There are of course more credit cards in Germany than the ones we mention here. This data is also used to identify whether customers may have specific interests needs based on pages they have visited within our websites/apps. What are the best prepaid credit cards in Germany? 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. The foreign currency fee is only 2,5%, and cash withdrawals have a 4,95 euro fee per ATM withdrawal. Here are a few of Visa prepaid cards, their fees and loading information: If youre going the prepaid and debit cards route to make purchases abroad, you wont have to deal with credit checks and paying interest. They are for our teenage grandchildren who moved there over the summer. 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. Additionally, American Express is only rarely offered by banks. 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 #4: How to get a loan with negative Schufa! You can use it wherever MasterCard works. This recommendation is aimed at people who live here and therefore have an address and credit assessment in Germany. 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. The application process takes 3 minutes. These are usually between 1% and 3% at Visa and Mastercard. first of all, thanks for this very interesting article, full of useful information. All the cards we have found here (US) say they are not good internationally. This has different practical advantages: The creditworthiness of the customer is known. Applications are subject to credit approval. 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. There are more than 20 million cards of each of the two major credit card banks in this country. In this case, theres no purpose to have a credit card. Who absolutely wants to have a Platinum-card anyway, can query the PDF-application through the customer service. Any linked and verified German bank account. Theres no limit on how many miles you can earn, and your miles will never expire. Whether it is payment cards, gaming credit or mobile phone credit - Dundle has got you covered! The complaints regarding the blocking of amounts are in part due to the fact that some people overlook (or have forgotten) that deposits from own or known accounts are credited immediately, but payments from strange accounts (i.e. 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.. Hi, my name is Stephanie and I am an exchange student from Australia. Why should one combine a payment card with an insurance product? Place of residence in Germany, a regular income and a moderate to very good creditworthiness rating. 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. We cannot and do not want to support all of them. Unsupported accounts. 2023 Rick Steves' Europe, Inc. | Terms of Service | Privacy Policy. Here: Viabuy. Plus, add your card to Apple Pay or Google Pay to spend and save with confidenceright from your phone. 7 days, 7 emails! However, most other payment platforms now rely on dual-message debit and credit cards, where when you swipe your card, your bank makes a "promise" to the merchant that the money will be there. International transfers for real estates (purchasing/selling), How to open a bank account in Germany (via Internet), Open Current Account in Germany! Standing orders > everything important that you need to know! Purchase gift cards in denominations ranging from $10 to $500. Our editors and reporters thoroughly fact-check editorial content to ensure the information youre reading is accurate. In retail or online shopping, the cards are used to pay for purchases. Additionally, credit card companies do not secure the risk for themselves, but mediate their credit card customers to an external group insurance. The best option from our point of view is the DKB Visa Card. Such a provider will probably not exist, because such a practice goes against several German and European regulations. Apply for credit line through another person? Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. There are two options Deutsche Bank Activ konto or Commerzbank Aktiv konto. The transfer has to be made to a BW Bank account with the mentioning of your credit card number. Carry at least two cards on your trip to Germany, preferably connected with Visa or Mastercard. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Why do you think that is? Information on MASTERCARD BIN numbers. Hi Sarah! Are travel cards still useful even if you dont travel much? The old-school German girocard you receive with a traditional German bank account will either not be accepted or cause you very high fees. In addition, the prevalence of credit cards is not that high, because local banks often issue them only hesitantly and with too high fees. My name is Tanja and if you continue reading, you will find out why I and this page exist read more. Bankrate has answers. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence. Do you have any tips or opinion on how the DB credit card is? Often, foreign credit card companies operate according to the US-American model. I heard that is not possible to choose how many instalments I want to pay with this delivery guy. Minimal card fees are welcome. The Mastercard Gift Card is the ideal gift to give a friend or a loved one. It was so helpful in fact that it helped me write my project about attitudes towards consumer credit in Germany and credit card acceptance. Both are on a credit basis, and therefore no creditworthiness check applies. With this combination of expertise and perspectives, we keep close tabs on the credit card industry year-round to: At Bankrate, we focus on the points consumers care about most: rewards, welcome offers and bonuses, APR, and overall customer experience. So you turn to your gift cards instead. As an added bonus, Mastercard Gift Cards never expire so you can use them anytime. But where do most breakdowns occur? The biggest insurance package is offered by the AMEX Platinum Card. It's low cost and requires no effort from you - all you need to do is enter a few details. As with all credit cards in Germany with a credit limit, the amount of the credit limit depends . 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. Have you already tested this card or can you say something about it? The issuing fee is smaller, but the yearly fee is higher. Good luck for your business! Make sure to read especially the fine print. Outgoing transfers will be sent from a German bank account as well. Should you accept an early retirement offer? Our team is full of a diverse range of experts from credit card pros to data analysts and, most importantly, people who shop for credit cards just like you. Thanks so much! What do you recommend in this situation? See Rewards Program Terms for details and restrictions. All Rights Reserved. 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! It's consistently regarded as one of the best free credit cards in the country (it even received a fancy Finance Award in 2020) by publications such as Focus Money..
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