Prepaid options are great, but youll likely be best prepared for international spending with a credit card with no foreign transaction fees. Thank you for your value tip Here is the link to apply http://www.gebuhrenfrei.com. How do I use my Mastercard Gift Card to shop online? A MasterCard gift card is typically issued by some bank. 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. Do not miss the chance! Terms apply to the offers listed on this page. My husband is in Germany right now and he cant use his credit card anywhere its a U.S. credit card..What can he do? This article contains affiliate links. More and more card readers in the retail business are being changed accordingly. Our editors and reporters thoroughly fact-check editorial content to ensure the information youre reading is accurate. The merchant does not allow split tender or partial payments with a prepaid card. No debt trap or interest rates. 3 Miles per $1 spent directly on Air France, KLM Royal Dutch Airlines and SkyTeam member airlines purchases. 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. Make sure to read especially the fine print. Since then, the credit card acceptance in Germany has been rising month by month. Withdrawing cash has a set fee of 2,49% regardless of the currency. The old-school German girocard you receive with a traditional German bank account will either not be accepted or cause you very high fees. Get ourFREEguide with 7 actionable hacks to save money while living in Germany. That means about 80% of the stores. Would that be something for you? 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. PayPal. I look forward to your feedback, in case youll give it a try. Carry at least two cards on your trip to Germany, preferably connected with Visa or Mastercard. Do we have to inform the bank in person every time we travel or can we do this online ourselves? 3 out of 5 stars with 2 ratings. 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. In Germany, the term credit card is not always meant for a card with real credit line. Every verified German bank account in combination with a virtual VIMpay Mastercard (Standard & Premium) --. Often, foreign credit card companies operate according to the US-American model. How high is the credit line supposed to be? Bankrates editorial team writes on behalf of YOU the reader. But that is not the subject for our special portal. The premium cards in Germany advertise primarily travel insurance, no FX fees, and sometimes Priority Pass access. Thank you very much! Someone who has helped more than 100,000 people to obtain a new bank account in the past 7 years. However, you should consider an important difference: Some providers start to calculate the expensive loan rate already on the day of the cash withdrawal and not like cashless card transactions that start after the interest-free weeks. Will the credit card from gebuhrenfrei be a better option in this case? If the current account should not have sufficient funds, then there will only apply the much more favourable overdraft interest. Therefore, it is difficult to give a permanently valid overview. Good luck! The contactless payment using credit cards will increase in the next years in Germany. I would like to have a credit card with no foreign currency fees like chase sapphire I have in the US. More than 3 million people have already decided on using the DKB Card entschieden. Meet you wherever you are in your credit card journey to guide your information search and help you understand your options. Statistically, every 80th German is a Euro millionaire which means, has assets of at least 1 million Euro (assets minus debts). This topic has been automatically closed due to a period of inactivity. What are the best prepaid credit cards in Germany. Both are on a credit basis, and therefore no creditworthiness check applies. Then you can spend your card on any ecommerce website using the 16-digit card number, the Valid Thru date, and the 3-digit security code. On site, they allow you to withdraw money from ATMs or serve as security deposits for rentals. Here's a table with a few more details on where Maestro is used, and how: Our experts have been helping you master your money for over four decades. It seems that the future for scaled-down current accounts on a credit basis is more successful, as their use is possible simply or solely through the smartphone. What are common reasons why this Prepaid Mastercard is declined? There are several providers of prepaid credit cards that have an elegant black design. 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. The motivation of the financial industry is to earn more money from the customer. 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. Commerzbank is 7,9 Euro pro Monat and Deutsche Bank is around 6,5 euro, what do you recommend? Also, you will receive an IBAN. First, you need to register your card for 3D Secure on portal.allgogioftcard.com. 1.Open the Wallet/App on your device. I want a credit card like gebuhrenfrei but is it possible that I can set the limit/overdraft to zero? Order online and once your information has been verified, you'll receive your Card in the mail within 7-10 business days. Visa and Mastercard credit cards are the most widely accepted credit cards in Germany. My name is Tanja and if you continue reading, you will find out why I and this page exist read more. Probably you should check your schufa score. Instructions! Our vision is that buying prepaid cards online should be easy, fast and convenient. Comdirect is ideal for new arrivals in Germany. We are an independent, advertising-supported comparison service. This Girokonto offers the cards you prefer and is free of charge. Prepaid cards, a type of debit card issued by a bank or credit card company, can be used to make purchases, pay bills, or . Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. Did I understand you well, and the best options for these requirements is DKB or comdirect? 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. Any linked debit or credit card. Moreover, the conditions are better. Your recipient simply clicks a link to claim their gift and will be provided with a 15-digit Visa card number . 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. Mastercard Gift Card - $100 + $6 Fee. I have more questions that lead to other areas, is there a possibility I could contact someone about more of these? We offer prepaid Mastercard Gift Cards in a variety of patterns and designs. Could you recommend me the cheapest DE prepaid card, which non-German citizens/residents can get. with the Polish PLN-Viabuy Card. gebuhrenfrei is a good option as they dont charge extra if you pay with your card in non-Eurozone countries. So, whether youre reading an article or a review, you can trust that youre getting credible and dependable information. 1. Do you have any tips or opinion on how the DB credit card is? This is the only card in this comparison that does not have embossing and thus might be identified faster as a prepaid credit card. Custom Prepaid Cards. Strangely, the most retail banks charge their customers an annual fee (Jahresgebhr) for providing a credit card. Ive applied for comdirect and got my account. Happily, you can explore the tastes of Europe and earn rewards with these dining rewards credit cards. It also comes with an easy and fast online application. 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. Viabuy has been founded by very smart people, who cleverly used the laws and regulations within the European Union, Germany and Great Britain. Santander 1 plus Visa Card Apply for Salander 1 plus Visa Card 4. Standing orders > everything important that you need to know! Recharging via SEPA bank transfer has a 0,9% fee. Place of residence in Germany, a regular income and a moderate to very good creditworthiness rating. Mastercard. With some it works, with others not yet. Lets say you want to rent a car in Germany or abroad. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. If you just take an American Express card, you won't get to use it in many places. My true charge credit card remains safe as a backup, while the prepaid credit card is in my wallet for daily use. In our community of smart banking customers, many are dissatisfied with the bad services and the frequent product decline as well. Im trying to solve one small issue:) I just need to order some goods from German eshop, but it only sells internally in Germany. What are my rights in that regard ? It's also possible to pay with debit cards in many physical stores, and most do so via contactless card payments. Thanks so much. Think no foreign transaction fees. Then I cancelled, and even that turned out to be problematic and took a while. The transfer has to be made to a BW Bank account with the mentioning of your credit card number. Anyway, Amex does not belong to the top cards in Germany. 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. To find out more about cookies, read our Cookie policy. 1. There are plenty of offers without credit card fees. Why should one combine a payment card with an insurance product? This data in aggregate form is used to improve our websites and apps. I had applied for a credit card more than a month back with gebuhrenfrei and I got one. Most Visa cards that you purchase are US-bound. motor vehicle insurance within Germany and abroad. One of the best rewards cards for travelers is the Capital One VentureOne Rewards Credit Card. Theres no limit on how many miles you can earn, and your miles will never expire. So take good advantage of your Congrats gift card from $10 at Mastercard Gift Card when shopping on Mastercard Gift Card. 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. I came from India and am here on a long term employment. Some smaller businesses only accept cash or electronic payment via our European/national system. You can top it up with a voucher, SOFORT or a bank transfer. The Hanseatic Bank GenialCard is a revolving credit card in Germany with a good reputation. 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. 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. A transaction fee of up to 2% will be applied to any payments made outside the U.S. In retail or online shopping, the cards are used to pay for purchases. Choose from pink, yellow, purple or green Virtual Mastercard designs. 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. Which certificate of deposit account is best? 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.. 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). 0.3.% of sales. 10 years ago Save Once you land, you can buy gift cards from the local department stores, using your credit card. 5,98 euros) fee on ATM cash withdrawal in Germany 1,95% (min. Subject to activation and identity verifications. The Visa card of the ING-DiBa in Germany is a debit card. What are the restrictions for paying with an instant Mastercard Gift Card? The Money2Go Prepaid Mastercard is a prepaid credit card issued by the Maltese Novum Bank. Plastic GiftCard Virtual e-GiftCard Send a virtual GiftCard anywhere in the world. Shop or withdraw money anywhere in the world, and keep your money safe with 3D Secure from Mastercard.