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Additionally, American Express is only rarely offered by banks. Usually one must become a customer directly with a credit card account.
In Germany, the customer has to pay for almost all credit cards of American Express. And the service standard of American Express is at international average.
German banks offer not always, but very often a better service. Most favourable for the stores are payments using debit cards, which are most common in Germany too.
Whoever is willing to pay an overpriced annual fee for a platinum card, will get it. Even at American Express that officially requires income amounts for specific credit cards, check this so laxly that one can specify almost any amount.
When presenting a gold or platinum card, no special status is granted. The card reader and the cashier do not pay attention to the colour of the card.
Marketing departments of card companies spend millions for this … apparently it pays. A black credit card does not have the same meaning in Germany as in some other countries.
There are several providers of prepaid credit cards that have an elegant black design. However, paying a high annual fee for this is a waste of money, unless the personal feeling of the customer improves as a result.
Nowadays, even the prepaid credit cards are available in the supposedly coveted colours for a relatively small fee.
Here: Viabuy. Strangely, the most retail banks charge their customers an annual fee Jahresgebühr for providing a credit card.
At direct banks, the credit card is provided in almost all cases free of charge in addition to the current account.
As previously described, banks earn money through the use of the credit card, even if the cardholder does not know about it and it does not appear on the card statement.
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.
More than 3 million people have already decided on using the DKB Card entschieden. 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.
On the website www. Make sure to read especially the fine print. The contactless payment using credit cards will increase in the next years in Germany.
The industry is currently investing in the corresponding infrastructure. Whether virtual credit cards that are mainly compatible for Internet payments will play a significant role in Germany, remains to be seen.
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.
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.
One of the first providers is number The best known brands are Visa card and MasterCard. Payments with these credit cards increase year by year, however, they are still not universally accepted.
Similarly, free without annual fee credit cards could establish in Germany. American Express only plays a minor role in Germany. The most popular is the common debit card, which is also known as bank card or Girocard.
Dear Tanja, I am currently a resident of Munich, Germany. I came from India and am here on a long term employment. After arrival, I opened a Girokonto with Commerzbank.
I read this article and tried with DKB first and then Barclays. But both of them denied my application. Need your expert advise on how should I get a legitimate Credit card, preferably with some credit line.
Many thanks. It would probably be easiest to take a credit card of the Commerzbank, as this bank already knows your creditworthiness and your income.
Without income and creditworthiness check, you can open the MasterCard with a Smartphone-current account. However, the credit limit is only as high as the credit paid in advance.
Otherwise, I think that this credit card is really great: Number Would that be something for you? That right.
I had applied for a credit card more than a month back with gebuhrenfrei and I got one. 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.
I applied for a credit card from then and got rejected. Though I live in Germany since the last three months, my salary account is in Belgium.
Do you think that the my recent shifting to Germany and salary account in Belgium are reasons for rejection? Thanks in advance!
Sorry, there are more than 2, different credit card models in Germany. We only focus here on some of the very best from our subjective point of view.
This is the reason, why we can answer detailed questions. Regarding the acceptance and rejection politics of offers that we do not actually know, we cannot give you any reliable information.
Hi Tanja, I have a creditcard from Sparkasse. I have euro debt, but this month I cannot pay it. I am going to skip it only this month.
What kind of extra money do I have to pay? It is just extra money, right? There are more than 2, banks and even more card models in Germany.
We cannot and do not want to support all of them. We have decided to describe the best offers in our point of view and answer the questions on their optimal use.
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?
What is the general preference? I have been living in Germany for three years now, first as a student and now with a stable job.
I have had a deutsche bank account throughout this time. I checked the one offered by Deutsche Bank and they charge 39 euros per year for it.
Do you have any tips or opinion on how the DB credit card is? I am looking for something which I can also use to make transactions online in Germany and in person while travelling abroad.
Will the credit card from gebuhrenfrei be a better option in this case? 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.
You can find excellent alternatives on our special portal. In the USA, most credit cards often give you bonuses for signing up, such as dollars cash or points after initial purchases.
Also, you usually get free doubled warranty, price protection on all purchases, theft protection, free car rental insurance, etc.
Is it the same way in Germany? Thank you. I have been living in Germany for a little over two years.
I have been a credit card since 1 year but I am not happy with their service at all. It is very difficult to find a solution if I have a problem even with the Customer Service.
I am thinking of cancelling this card and applying for another one. I have been paying the complete bill monthly. Is there any disadvantage in Germany of cancelling a card or having multiple credit cards?
I received an invoice in regard of my credit card. The due date for the payment was a Monday and on the previous Friday I went to the bank asking them to correct the amount to be debited from my account.
She said that she would call me back or that she would send me an email, as I preferred. She did not call me and I paid the full amount.
What are my rights in that regard? I am looking for a credit card with no annual fees, without charges… and that allows me to make payments abroad for free..
Did I understand you well, and the best options for these requirements is DKB or comdirect? Can you recommend any?
There is no way we can recommend that. 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.
Such a provider will probably not exist, because such a practice goes against several German and European regulations.
The only legal possibility would be to find a provider who would be willing to provide you with a partner card with the name of your brother on it.
Such topics are not within our purview, so probably other websites might be able to help you better. Good luck! I am interested in getting a contact less credit card in Germany.
Do you know which banks offer them? And is it usual for people to use them? Do stores accept contact less cards? More and more card readers in the retail business are being changed accordingly.
With some it works, with others not yet. Where the change has already been implemented, payment by touching the terminal with the card is totally normal and works.
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.
Later they will deliver my goods from DE to LT. But the problem is that particular eshop detects my cards origin and rejects the payment and says that it is not the German one.
It can be virtual, without credit line for sure. The only requirements are: can be ordered online, possibility to transfer funds via SEPA transfer or topup with other card like Revolut offers.
Minimal card fees are welcome. That is an interesting challenge! Good luck for your business! Hi, thank you for prompt response.
Is it really German card? That is a very good question, many thanks! Viabuy has been founded by very smart people, who cleverly used the laws and regulations within the European Union, Germany and Great Britain.
The registered office of the company actually is in Great Britain. 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.
Outgoing transfers will be sent from a German bank account as well. For deposits you have your own virtual account number. Outpayments are done via a collective account number.
There are a few variations, e. On our special portal for clever banking in Germany we always refer to the Viabuy MasterCard that you order in Germany!
One of the biggest is Germany! Hi Tanja, really helpful page which is the first to help me in my problem so far! From your article I guess the only options are viabuy, payangoCard or onlinekonto.
Is that right? Thanks so much! Hi Sarah! There are of course more credit cards in Germany than the ones we mention here.
For example, you can buy prepaid card at the gas station. But that is not the subject for our special portal. With a setup fee of But for the next three years, one does not need to pay and card fees anymore.
So maybe it is worthwhile? Anyway, it is the cards that you can order the easiest way online identity check and is also mailed to England.
Thanks so much. Of course there are always positive and negative experiences. Yes, that is true. This is due to the security structure Viabuy uses.
The average private Viabuy customer will in It seems that this card is not actively promoted and I have not yet found detailed information about this card on your DKB-page.
Have you already tested this card or can you say something about it? It is true that this card is not really promoted by the DKB — furthermore, one cannot even apply for it online.
From my point of view, it is not particularly attractive, because it only includes insurance services for the annual fee of currently Euros In particular, these services are: — cancellation insurance for journeys — financial protection at the deductibles of rental car insurances — abroad travel health insurance — motor vehicle insurance within Germany and abroad.
Who absolutely wants to have a Platinum-card anyway, can query the PDF-application through the customer service. However, I do not recommend it.
Hi, my name is Stephanie and I am an exchange student from Australia. I moved to Berlin around 6 months ago and I found your page very helpful with settling into Germany opening an account and payment methods.
It was so helpful in fact that it helped me write my project about attitudes towards consumer credit in Germany and credit card acceptance.
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. Any help would be deeply appreciated and credited.
Germany still remains as one of the most cash-intensive advanced economies on earth. Why do you think that is? A considerable number of businesses in Germany do not accept credit cards.
Why is this? Do you believe that German consumers are generally debt averse? I have more questions that lead to other areas, is there a possibility I could contact someone about more of these?
Germany has already been having its own EC card system for many years, which in comparison to credit cards was decidedly lower priced for retailers.
In addition, the prevalence of credit cards is not that high, because local banks often issue them only hesitantly and with too high fees. 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.
Also, since December there has been a EU directive that limits the credit card fee for retailers interchange fee to max.
Since then, the credit card acceptance in Germany has been rising month by month. To-day, you can even pay with a credit at discounters like ALDI.
German banking customers are very different. 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.
Statistically, every 80th German is a Euro millionaire — which means, has assets of at least 1 million Euro assets minus debts.
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.
Second question, I have applied for DKB and gebuhrenfrei and got rejected although I have been living in munich since 3 years.
I am Indian and I got a credit card from Gebührenfrei within a month or two after coming to Germany. Probably you should check your schufa score….
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.
Hello Everyone, first of all, thanks for this very interesting article, full of useful information. I leave in Germany and I have a permanent job contract.
I am considering to request an american express platinum for the following reasons: 1 full insurance coverage rentals cars, trips cancellation, medical accidents, etc.
Can I find on the market something similar, with the same benefits, at lower price? Thanks a lot. The actual service?
Well … so many things happened, that should not have happened, so that I even was invited to the headquarter in Frankfurt to personally meet the board member responsible for service.
That did not change any of the problems, though. Difficulties came up again and again. Then I cancelled, and even that turned out to be problematic and took a while.
I did hear that other Germen customers with other Amex cards especially the Gold Card are content. But is it really worth the money?
Hello Gregor, thanks for you feedback. 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.
I and my partner have linked gold credit cards from Hypovereinsbank. Whenever we travel to another country outside of the EU eg. South Africa, our cards are blocked.
Do we have to inform the bank in person every time we travel or can we do this online ourselves? It really is a pain. Is it better to use another CC like N26?
We know, that some people are fond of N26, and we formerly used to write about this start-up. Due to own experiences, we do not recommend them anymore.
In our community of smart banking customers, many are dissatisfied with the bad services and the frequent product decline as well.
More than half have already cancelled their account. Still, the provider gains new customers every day and is growing. They are an average provider with average conditions.
For our smart readers we do not recommend going to an average bank, but to one of the three best banks. This recommendation is aimed at people who live here and therefore have an address and credit assessment in Germany.
Thank you for the nice info. I am looking for a Girokonto together with Debit Master card or Debit visa. Not credit, not prepaid.
Commerzbank is 7,9 Euro pro Monat and Deutsche Bank is around 6,5 euro, what do you recommend? Thank you sssoooooo much.
This Girokonto offers the cards you prefer and is free of charge. Sorry we are a specialized web portal regarding the best German direct banks, so we hardly ever write about local bank branches.
Also, this is not ideal for booking Hotels outside EU. What do you recommend in this situation? Gregor uses the DKB credit card , especially for payments in foreign currencies, because thee 1.
Hi, you can find more information regarding the use of the Comdirect card abroad in our article here. Yes, of course. Everywhere in Germany where you see you card symbol Visa or Mastercard, you can pay with the card.
Hello, relocated to Germany and travel around the world a lot. I would like to have a credit card with no foreign currency fees like chase sapphire I have in the US.
Can you recommend which bank in Germany offer that? Thank you! Our specialty por-tal mainly focuses on cards that are permanently free of charge.Zu den FAQS. Praktikanten und Hochschulabsolventen. Sollten Sie keine Benachrichtigung erhalten haben oder keinen Zugang mehr zu der damals hinterlegten Email-Adresse haben, kontaktieren Sie bitte germany mastercard. Haftungsausschluss bei Verlust oder Diebstahl. M Registre Lidl Adventskalender Personnes Morales Nivelles, Antrag in einen an die Deutsche Bank adressierten Briefumschlag stecken Adresse steht auf Antragsformularfrankieren und an die Deutsche Bank senden. Inhalt und Struktur der Webseiten von Mastercard Europe sind urheberrechtlich geschützt. Ihre Bank ist nicht aufgeführt? Abbrechen Zu Smash Spiele Bank. Online beantragen. In Übereinstimmung mit dem Kündigungsschreiben, das an die registrierten Teilnehmer versandt wurde, die berechtigt sind Coins zu sammeln und einzulösen, endet das Specials Bonusprogramm am 4. Chip Poker online ausgefüllten Antrag ausdrucken, unterschreiben und auf dem Fish Websites an Mastercard Germany Deutsche Bank senden Adresse Casino Slotmaschinen auf Antrag. Es ging an die Email-Adresse, mit der sie für das Specials Bonusprogramm registriert wurden. Der Mastercard Identity Check™ schützt Ihre Karte mit einem Geheimcode vor unbefugter Benutzung, wenn Sie online bei teilnehmenden Händlern einkaufen. haben oder keinen Zugang mehr zu der damals hinterlegten Email-Adresse haben, kontaktieren Sie bitte [email protected] für weitere Informationen. Informieren Sie sich bei der Bank oder Sparkasse Ihrer Wahl über die genauen Konditionen und Leistungen der angebotenen Mastercard Karten. Vorteile. Weltweit bargeldlos ✓ und kontaktlos ✓ bezahlen inklusive Warenschutzversicherung ✓ und Apple Pay ✓ jetzt entspannt online beantragen! Gebührenfrei Mastercard GOLD Kreditkarte bietet ohne Jahresgebhr 7 Wochen zinsfreies Zahlungsziel. Die Karte kann weltweit gebührenfrei an 1 Mio. I am interested in getting a contact less credit card in Germany. But Bank To Bank Transfer Online of them denied my application. Turkey intra-location POS interchange fees. Austria intra-location POS interchange fees. It took about a week for them to send me the card, and Online Quizshow Erfahrung week to get it activated and get my pin. Je nach Bank Frage Und Antwort Spiele dies z. Sie verlassen nun die Mastercard Webseite. Der Zusatz-Schutz für noch mehr Sicherheit. Swiss Konto AG www. Zur Identitätsfeststellung Casino Innsbruck Dresscode Sie und ein etwaiger 2. Bremer Landesbank www. Barclaycard www. Dann könnte die Mastercard Platinum bei Ihnen in besten Händen sein.