Hello dear forum of Deutscheskonto, I have a question about the credit card portfolio of the DKB. Many shops may not like it if you pay with credit cards. See the best current cash bonus promotions here. What is the general preference? But both of them denied my application. Both are on a credit basis, and therefore no creditworthiness check applies. Genialcard Apply for Genialcard 3. There are more than 2,000 banks and even more card models in Germany. this post may contain references to products from our partners. The actual service? We have decided to describe the best offers in our point of view and answer the questions on their optimal use. From your article I guess the only options are viabuy, payangoCard or onlinekonto.de? You can top it up with a voucher, SOFORT or a bank transfer. 1. The fee model for this card is less than any other provider. I read this article and tried with DKB first and then Barclays. Buy and personalize a prepaid Gift Card Mastercard. That is a fee reduction of up to 90%! Thanks a lot for your help and glad to know I havent missed something! 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. While purchases in euros are free of charge, there is a 2,75% fee on foreign currency purchases. 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. You can shop for an Amazon Gift Card on Amazon using a MasterCard Gift Card, but not the other way around. Each ATM cash withdrawal will be charged 5 euros regardless of the currency. Think no foreign transaction fees. This means that the credit line increases automatically, depending on how one exhausts the limit and how punctual one transfers the minimum rate of the monthly credit card statement or recommended in order to not miss the payment date transfer from the current account by direct debit (Lastschrift). Answer (1 of 9): I know a Gift Card brand that can be used easily anywhere in the world because of its gift experiences. Now I need a Credit card mostly to help with my Online purchases or covering expenses while travelling to USA/UK on business. If one only pays the minimum amount, which is sometimes only Euros 25, then one accumulates credit card debt on the credit card account. It is somewhat confusing that the word credit card (Kreditkarte) in Germany is used as a synonym for the Visa card or MasterCard. 1.5 Miles per $1 spent on all other purchases. The Mastercard Gift Card is the ideal gift to give a friend or a loved one. The product names used on this website are for identification purposes only. More than 3 million people have already decided on using the DKB Card entschieden. You must be at least 18 years old and reside in the US or its territories to apply. Open the business account of the Postbank? I have been a credit card since 1 year but I am not happy with their service at all. $29.00. Is it the same way in Germany? Maestro cards are used widely in Austria, Germany and the Netherlands, and much less everywhere else. Since then, the credit card acceptance in Germany has been rising month by month. Hi, 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. Can I do it? You can find excellent alternatives on our special portal. Best Paid Credit Cards in Germany. high-quality card with embossing quick and easy online application English website and customer service, 69,90 euros one-time issuing fee 19,90 euros yearly fee 0,9% recharging fee via SEPA bank transfer 9,95 euros / month if inactive after 12 months 5 euros / cash withdrawal in Germany and abroad 2,75% foreign currency fees. 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). Not credit, not prepaid. Whether virtual credit cards that are mainly compatible for Internet payments will play a significant role in Germany, remains to be seen. Thanks so much! Here, the fee is usually less than 1% (new: 0.2%) of the card transaction. Debit cards are a great way to shop online, as many online stores accept Visa and Mastercard, like other credit cards in Germany. thank you for prompt response. 3) miles account. It seems that this card is not actively promoted and I have not yet found detailed information about this card on your DKB-page. So now Im confused. Why should one combine a payment card with an insurance product? Still, the provider gains new customers every day and is growing. Purchase gift cards in denominations ranging from $10 to $500. Bon-Kredit Euros 1,000,000 in loans are paid daily! Now these ones you can register a zipcode. Thank you! How do I use my Mastercard Gift Card to shop online? Whether it is payment cards, gaming credit or mobile phone credit - Dundle has got you covered! This German credit card has several advantages: No monthly/annual fee. Same-day delivery*. Such topics are not within our purview, so probably other websites might be able to help you better. Commerzbank is 7,9 Euro pro Monat and Deutsche Bank is around 6,5 euro, what do you recommend? Debit cards are the most widely used bank cards in Germany. Germany still remains as one of the most cash-intensive advanced economies on earth. In addition to some strong rewards credit cards, Mastercard offers an international prepaid gift card and a prepaid travel card. We value your trust. , GiftCard iCard Visa. Comdirect is ideal for new arrivals in Germany. During the first time, the credit is interest-free, depending on the provider up to 2 months. I already have two with Deutch bank each 10000 limit. The Black&White Prepaid Mastercard comes with an online banking account, that you can use on any device. Commerzbank Prepaid Visa/Mastercard Final Thoughts Quick comparison of the best prepaid credit cards in Germany Various types of credit cards are also issued in Germany. I am looking for something which I can also use to make transactions online in Germany and in person while travelling abroad. Apply successfully for a loan in Germany (being an immigrant)!? 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 will have to pay a one-time fee of 69,90 euros and a yearly fee of 19,90 euros. Additionally, American Express is only rarely offered by banks. Difficulties came up again and again. Prepaid options are great, but youll likely be best prepared for international spending with a credit card with no foreign transaction fees. Any recommendation?? Hanseatic Bank GenialCard 2. 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. The Mastercard Black&White Card is an awarded high-quality prepaid credit card with no annual fees. Customise your gift with a personal message. Second question, I have applied for DKB and gebuhrenfrei and got rejected although I have been living in munich since 3 years. You can pay with it as often as youd like until the balance reaches zero. Our vision is that buying prepaid cards online should be easy, fast and convenient. I was Platinum Business customer in 2012-2013 as a summary Id like to say, what American Express Germany does best, is marketing. The following credit cards have no annual or monthly fee. For deposits you have your own virtual account number. The success rate for the account and credit card application is more than 99%. Thank you sssoooooo much. You might be able to buy a gift card at Amazon.de. Sorry, there are more than 2,000 different credit card models in Germany. We know, that some people are fond of N26, and we formerly used to write about this start-up. 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 . TF Bank Mastercard Gold 3. 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. Again, the VISA debit card is usually not accepted in Germany. I wish you good decisions and a good time in Germany! In the USA, most credit cards often give you bonuses for signing up, such as 200-600 dollars cash or points after initial purchases. Simply log into your MyPrepaidCenter account to view the remaining balance and transaction history of your card(s). 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. There are two options Deutsche Bank Activ konto or Commerzbank Aktiv konto. Related Guide: Best Free Credit Card in Germany. Whenever we travel to another country outside of the EU eg. Any linked debit or credit card. Later they will deliver my goods from DE to LT. American Express is partly still expensive. The issuing price at first glance is a little high, but for the next three years you wont have to pay any annual fees and much more important: It solves your problem! Im trying to solve one small issue:) I just need to order some goods from German eshop, but it only sells internally in Germany. I have 300 euro debt, but this month I cannot pay it. Thanks so much. She did not call me and I paid the full amount. Any linked and verified German bank account. I did hear that other Germen customers with other Amex cards (especially the Gold Card) are content. Youll also earn 1.25 miles per dollar on every purchase. It's also possible to pay with debit cards in many physical stores, and most do so via contactless card payments. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. DKB: offers since years the best conditions in Germany. She said that she would call me back or that she would send me an email, as I preferred. I received an invoice in regard of my credit card. Who absolutely wants to have a Platinum-card anyway, can query the PDF-application through the customer service. . Should you accept an early retirement offer? 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. 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! Do you know which banks offer them? I have had a deutsche bank account throughout this time. While purchases in euros are free of charge, there is a 2,49% fee on foreign currency purchases. Bankrate.com is an independent, advertising-supported publisher and comparison service. Can you buy gift cards with a credit card? Guide to eGift Cards + Top Frequently Asked Questions, What To Try If Your Prepaid Card Is Declined. 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. 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). Good luck for your business! 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 . Yes, that is a very interesting question! Due to the insurance conditions through credit card companies, this test often favours the financial sector. But then I realized recently that the bahncard credit card by commerzbank would be a better option for me as I travel a lot by train. girocard is an interbank network and debit card service connecting virtually all German ATMs and banks. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. The credit card service of German banks is generally better. With a combination of current account and credit card, one has a partner and only one point of contact for both financial products. I want my comment to be discarded. I havent owned a credit card before and was thinking of finally applying for one. Choose from more than 10 different templates. Hanseatic GenialCard. What credit cards can I use in Germany? Ive applied for comdirect and got my account. For some customers, who are e.g. However, I do not recommend it. Advice #2: Loan rejected? Hello Everyone, Good luck! The transfer has to be made to a BW Bank account with the mentioning of your credit card number. Get cards from a German store chain, like Saturn, Galleria Kaufhof, Media Markt, or if all else fails, Amazon.de. I can recommend TransferWise for international money transfers. You might be able to buy a gift card at Amazon.de. Additionally, credit card companies do not secure the risk for themselves, but mediate their credit card customers to an external group insurance. Marketing departments of card companies spend millions for this apparently it pays. I am interested in getting a contact less credit card in Germany. You can find the Maestro logo (somewhat related to the Mastercard logo) on the back side of your Mastercard. Open a business account online in Germany for an abroad company, Account system for self-employed persons in Germany. I read in the price-performance-list of the DKB that there is also a DKB-MasterCard Platinum. The problem with N26 is that it is not as useful for frequent use as gebuhrenfrei could be because of limited cash withdrawals on EC karte as well as visa card. I was able to increase my limit this way up to a high four-figure amount. For that we have two providers on our specialty portal: In case one is willing to put ones salary into a new giro account, then there are also DKB and Comdirect that might be an option. Such vouchers are issued by the taxable person, who can calculate the VAT upon transfer. A virtual Prepaid Mastercard is the perfect prepaid solution for any internet shopper. How high is the credit line supposed to be? Your Amazon.com Balance cannot be used to purchase Visa gift cards. Directly after purchase, your virtual Mastercard Gift Card code will appear on your screen and simultaneously be sent to your email address. Our editors and reporters thoroughly fact-check editorial content to ensure the information youre reading is accurate. For our smart readers we do not recommend going to an average bank, but to one of the three best banks. These varying possible fees depend on the merchant. Banks have different condititons/requirements. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. Mastercard gift card You can generally use a Mastercard gift card anywhere in the world where Mastercard is accepted. The credit card company will automatically increase the limit. 10 years ago Save Once you land, you can buy gift cards from the local department stores, using your credit card. 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. Which part of Germany? Simply give it a try and see, up to which credit line you can get. With Commerzbank, you can choose whether you prefer a Visa or Mastercard prepaid credit card. I checked the one offered by Deutsche Bank and they charge 39 euros per year for it. Visa is not widely accepted as there is another local card system (EC) that are the first choice. Plus, add your card to Apple Pay or Google Pay to spend and save with confidenceright from your phone. After arrival, I opened a Girokonto with Commerzbank. For this reason, most branded gift cards are US-bound. The Miles & More Credit Card Blue World of Lufthansa. The two most important providers are undoubtedly Visa and Mastercard, which are fighting for market leadership in this country. So maybe it is worthwhile? Bankrate follows a strict editorial policy, so you can trust that were putting your interests first. See Rewards Program Terms for details and restrictions. Order online and once your information has been verified, you'll receive your Card in the mail within 7-10 business days. 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 maintain a firewall between our advertisers and our editorial team. Whoever is willing to pay an overpriced annual fee for a platinum card, will get it. Dear Tanja, The cards work so that all credit card transactions on a credit card account go into the red. For example, the one of Number26 and our article about the use of it on trips abroad: https://www.deutscheskonto.org/en/number26-international/. Having said that, do you think the amex platinum is really convenient considering the price (600 per year)? Redeem it within 6 months in MyPrepaidCenter to get your virtual Prepaid Mastercard details. 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.. Could you please tell me what are considered the top cards in Germany? There are multiple reasons why owning a credit card has many advantages. In this case Tanja prefers ING-DiBa. Most credit cards on this site provide this integrated feature: Barclaycard, Comdirect, DKB, ING-DiBa, Fidor SmartCard. The best option from our point of view is the DKB Visa Card. Full-color logo. We are an independent, advertising-supported comparison service. Sorry we are a specialized web portal regarding the best German direct banks, so we hardly ever write about local bank branches. The Mastercard Virtual gift card is sent by email and generally arrives within 15 minutes of your purchase. Posted by Michael Schneider New Paltz, NY 03/15/13 03:57 AM 9028 posts The Mastercard debit card is a Maestro card. Through the current account, the bank knows the creditworthiness (Bonitt) of the customer and provides a corresponding credit line. In Germany there are free providers of debit cards. Probably you should check your schufa score. 0.3.% of sales. can you tell me which company will offer very high credit limit? apart from Deutsche Bank, of course i have two credit cards with Deutsche Bank. At some credit cards of Barclaycard, cash withdrawals from ATMs are free of charge and interest-free for weeks. If the creditworthiness rating is still not good enough or there are only few creditworthiness entries (for example, if one moved recently to Germany), then one has the possibility to get the prepaid version at Comdirect. A Red Ventures company. It's low cost and requires no effort from you - all you need to do is enter a few details. $106.00. On the website www.gebuhrenfrei.com, the Luxembourg Advanzia Bank does provide a free credit card for customers in Germany. 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. I appreciate your advice! Also, this is not ideal for booking Hotels outside EU. Happily, you can explore the tastes of Europe and earn rewards with these dining rewards credit cards. Whether the card is the right one for you, depends on what you want to do with it. Prepaid cards, a type of debit card issued by a bank or credit card company, can be used to make purchases, pay bills, or . Anyway, it is the cards that you can order the easiest way (online identity check) and is also mailed to England. 1.6 out of 5 stars with 13 ratings. Similarly, their acceptance is relatively high in Germany. We give you the full opportunity to choose what information you would like to share with us,
It is issued by the German BW Bank (Landesbank Baden-Wrttemberg) and comes with an easy and fast online application. Custom Prepaid Cards. 1. This system is possible at the credit card companies, which are presented in Point 1b. The insurance package is usually bought through a higher annual fee for the credit card. The payment should be the same as a normal shopping. Good luck! As with all credit cards in Germany with a credit limit, the amount of the credit limit depends . Skip to Content Erik Gutwasser is Division President Mastercard Nordics and Baltics and a member of Mastercard's European Leadership Team. And the service standard of American Express is at international average. Are there any fees when using a virtual Mastercard eGift Card? 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. Chase Sapphire Reserve. Buy your virtual Mastercard Gift Card now with instant email delivery and use it within seconds. travelling a lot, insurances as. Without income and creditworthiness check, you can open the MasterCard with a Smartphone-current account. 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. This recommendation is aimed at people who live here and therefore have an address and credit assessment in Germany. 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. Thank you. Approximately 1/3 of the customers postpone a huge sum of credit card debt. i have a very good salary which comes directly to my Deutsche Bank. How does one buy gift cards in the US that are good in Germany? Yes, of course. Again, this is no real credit card within the meaning of the name, but said colloquially. 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. 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. These are usually between 1% and 3% at Visa and Mastercard. We offer prepaid Mastercard Gift Cards in a variety of patterns and designs. Can I find on the market something similar, with the same benefits, at lower price? 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. That is the price to pay for not having to prove good credit. Thanks in advance! Our US cards work rather well in Germany. Once redeemed, you receive your instant Mastercard details, which are also valid for a period of 6 months. Good luck! 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. Train the Barclaycard How to push your credit line to Euros 9,500! 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. financial protection at the deductibles of rental car insurances This bundling is appreciated by many German citizens. That means about 80% of the stores. It is therefore accepted much less in stores. 5,98 euros) fee on ATM cash withdrawal in Germany 1,95% (min. Thank you for your value tip Here is the link to apply http://www.gebuhrenfrei.com. The following cards dont have this feature yet: Viabuy and PayCenter. For your first question, check out N26.com, For your second question, I dont think nationality is a problem. Usually for me is: the seller asks for how many instalments I want, then he configure the credit card machine with the total amount and the instalments I choose, and thats it, he receives all the money at once from the credit company, I pay in the number of instalments that I choose in that moment. Why do you think that is? Join the project Together for the Wild Nature by buying a card with WWF Eco GiftCard layout at some of our front offices. Even without incoming money, the account and card still remain permanently without monthly or annual fee. Until then, no credit interest applies. But, there are some limitations there, as well. 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.. Online loan by Smava > The best way to get a loan in Germany! GiftCard Mastercard or VISA prepaid cards I GiftCards.eu Countless wishes. Step 3Spend online. Mastercard via N26 bank is the best card for expats in Germany that is accepted worldwide. Moreover, the conditions are better. However, Visa does offer some gifts cards that can be used abroad through banks, such as the PNC Bank Visa Gift card. 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. Here's an explanation for how we make money It is only possible when you can provide a credit card for the deposit. 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. Why TransferWise for international transfers? One of the biggest is Germany! 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. 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. 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. Outgoing transfers will be sent from a German bank account as well. Both banks offer their current account and credit cards for free. There's no points earning system in Germany, nor is cash back a thing. There is no way we can recommend that. You can use the PayPal Prepaid Mastercard to eat, drink and shop anywhere Debit Mastercard is accepted. 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. 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. A: These holiday issued cards will not allow you to register a zipcode, which is needed when paying at the pump, or in my case paying a bill.