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Prepaid cards in Germany

What you need to know before getting a prepaid card in Germany.

Prepaid cards (also commonly known as prepaid credit cards, or prepaid debit cards) help you with hassle-free money management for your financial needs.

This guide will cover what you need to know about prepaid debit cards in Germany, including how they work and the providers to choose from.

Compare a range of prepaid cards in Germany

1 - 8 of 8
Name Product Mobile view Digital banks English Management Fee Card delivery Supported currencies
Commerzbank Free current account
  • Management Fee

    0 €

  • Card delivery

    3 to 4 business days

  • Supported currencies

    1

  • Mobile payments

0 €
3 to 4 business days

1

Receive €100 starting credit after 3 months of account activity

A current account with 0 € fees and cashback at select Shell petrol stations. Includes a Mastercard Classic credit card.
N26 Standard
  • Management Fee

    0 €

  • Card delivery

    Up to 10 working days

  • Supported currencies

    1

  • Mobile payments

0 €
Up to 10 working days

1

Benefit from no monthly fee, no currency conversion fees and a raft of in-app budgeting features to help you save.
Vivid Standard
  • Management Fee

    0 €

  • Card delivery

    4-5 days

  • Supported currencies

    1

  • Mobile payments

0 €
4-5 days

1

A free bank account with fee-free payments and transfers globally. Enjoy up to 20€ cashback per month.
1822MOBILE Current Account
1822MOBILE Current Account
  • Management Fee

    0 €

  • Card delivery

    N/A

  • Supported currencies

    1

  • Mobile payments

0 €
N/A

1

Free account management, €20 when you open an account, up to €100 referral bonus and a free savings bank card: your current account 1822MOBILE offers all of this.
Openbank Free Current Account
  • Management Fee

    0 €

  • Card delivery

    N/A

  • Supported currencies

    1

  • Mobile payments

0 €
N/A

1

A free current account with free euro transfers within the eurozone. Includes a debit card with free cash withdrawals worldwide.
DKB-Cash: Free current account
  • Management Fee

    0 €

  • Card delivery

    Up to 7 business days

  • Supported currencies

    1

  • Mobile payments

0 €
Up to 7 business days

1

A current account with fees that comes with a free Visa credit card and free cash withdrawals worldwide.
Norisbank Top Current Account
  • Management Fee

    0 €

  • Card delivery

    5 to 7 working days

  • Supported currencies

    1

  • Mobile payments

0 €
5 to 7 working days

1

Benefit from a 0 € account fee, free Maestro card and free cash withdrawals from thousands of locations worldwide.
Commerzbank StartKonto
  • Management Fee

    0 €

  • Card delivery

    3 to 4 business days

  • Supported currencies

    1

  • Mobile payments

0 €
3 to 4 business days

1

A free current account for young people with a free Young Visa credit card. Cashbacks and discounts in more than 2,000 online shops.
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Compare up to 4 providers

1 - 12 of 12
Name Product Mobile view Digital banks English Management Fee Card delivery Supported currencies
Comdirect Bank Current Account
  • Management Fee

    4.90 €

  • Card delivery

    N/A

  • Supported currencies

    1

  • Mobile payments

4.90 €
N/A

1

A current account with no minimum incoming funds. Includes a free Visa credit card and free cash withdrawals worldwide.
N26 Metal
  • Management Fee

    16.90 €

  • Card delivery

    Up to 10 working days

  • Supported currencies

    1

  • Mobile payments

16.90 €
Up to 10 working days

1

Receive a stainless steel Metal card available in 3 shades, an insurance package and exclusive offers.
Tomorrow Now
  • Management Fee

    3 €

  • Card delivery

    3-5 business days

  • Supported currencies

    1

  • Mobile payments

3 €
3-5 business days

1

A free Visa debit card with free transactions across the globe and N/A for free.
TARGOBANK Online-Account
  • Management Fee

    3.95 €

  • Card delivery

    N/A

  • Supported currencies

    1

  • Mobile payments

3.95 €
N/A

1

An online current account that comes with a Visa credit card. Free online transfers and free cash withdrawals at more than 3,000 ATMs.
bunq Easy Green Personal
  • Management Fee

    17.99 €

  • Card delivery

    Up to working 10 days

  • Supported currencies

    19

  • Mobile payments

17.99 €
Up to working 10 days

19

An account with an exclusive stainless steel card. Help the environment – a tree will be planted for every €100 you spend.
N26 Smart
  • Management Fee

    4.90 €

  • Card delivery

    Up to 10 working days

  • Supported currencies

    1

  • Mobile payments

4.90 €
Up to 10 working days

1

A mid-tier, premium subscription plan that comes with a range of essential money management features to help you better manage your finances.
Tomorrow Change
  • Management Fee

    7 €

  • Card delivery

    3-5 business days

  • Supported currencies

    1

  • Mobile payments

7 €
3-5 business days

1

Manage your shared finances conveniently with Tomorrow’s mid-tier plan. Benefits include multiple sub-account, fee-free monthly cash withdrawals and more.
bunq Easy Money Personal
  • Management Fee

    8.99 €

  • Card delivery

    Up to working 10 days

  • Supported currencies

    19

  • Mobile payments

8.99 €
Up to working 10 days

19

A card linked to up to 25 individual IBAN accounts. Earn interest on all money in your account and benefit from competitive rates and fees.
Vivid Premium
  • Management Fee

    9.90 €

  • Card delivery

    4-5 days

  • Supported currencies

    1

  • Mobile payments

9.90 €
4-5 days

1

A premium bank account with maximised cashback rewards on everyday spending online and in store, including up to 100 € cashback per month.
N26 You
  • Management Fee

    9.90 €

  • Card delivery

    Up to 10 working days

  • Supported currencies

    1

  • Mobile payments

9.90 €
Up to 10 working days

1

A smart IBAN account with no currency conversion fees, complimentary insurances and no ATM fees here or abroad.
bunq Easy Bank Personal
  • Management Fee

    2.99 €

  • Card delivery

    Up to working 10 days

  • Supported currencies

    19

  • Mobile payments

2.99 €
Up to working 10 days

19

Benefit from zero FX fees, bill splitting facility, and a wide range of advance payment features with this low-cost digital account.
Tomorrow Zero
  • Management Fee

    15 €

  • Card delivery

    3-5 business days

  • Supported currencies

    1

  • Mobile payments

15 €
3-5 business days

1

A free Visa debit card with free transactions across the globe and unlimited free ATM withdrawals per month.
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Please note these products are not licenced as banks. Check our product review pages for details.
1 - 12 of 12
Name Product Mobile view Digital banks English Management Fee Card delivery Supported currencies
Revolut Standard
  • Management Fee

    0 €

  • Card delivery

    Up to 9 working days

  • Supported currencies

    27

  • Mobile payments

0 €
Up to 9 working days

27

Enjoy no monthly fee, no currency conversion fees up to 1.000 £ per month, and the ability to hold over 15 currencies in your account.
Wise Multicurrency Account
  • Management Fee

    0 €

  • Card delivery

    Up to 14 working days

  • Supported currencies

    19

  • Mobile payments

0 €
Up to 14 working days

19

Wise (formerly TransferWise) is an international account with over 50 currencies, instant and very convenient money transfers, a card to spend in any currency, bank details to be paid in 30 different countries and multi-currency direct debits.
Revolut Plus
  • Management Fee

    2.99 €

  • Card delivery

    Up to 9 working days

  • Supported currencies

    25

  • Mobile payments

2.99 €
Up to 9 working days

25

Enjoy purchase, event ticket and returns protection, plus other innovative features with this lower-priced subscription plan.
Revolut Premium
  • Management Fee

    7.99 €

  • Card delivery

    Up to 3 working days

  • Supported currencies

    28

  • Mobile payments

7.99 €
Up to 3 working days

28

A combined current account and IBAN account with unlimited free currency conversions and international transfers in over 25 currencies.
Revolut Metal
  • Management Fee

    13.99 €

  • Card delivery

    Up to 3 working days

  • Supported currencies

    29

  • Mobile payments

13.99 €
Up to 3 working days

29

A premium account with an exclusive Metal card featuring insurances, cashback, concierge service, cryptocurrencies and more.
VIABUY Prepaid Mastercard
VIABUY Prepaid Mastercard
  • Management Fee

    5.82 €

  • Card delivery

    3-5 business days

  • Supported currencies

    1

  • Mobile payments

5.82 €
3-5 business days

1

VIABUY Prepaid Mastercard comes with no line of credit and it does not require credit checks.
Monese Classic
  • Management Fee

    5.95 €

  • Card delivery

    Up to 3 working days

  • Supported currencies

    2

  • Mobile payments

5.95 €
Up to 3 working days

2

A dual currency card designed for travellers with no foreign currency fees up to and foreign transfers in several currencies.
Monese Premium
  • Management Fee

    14.95 €

  • Card delivery

    Up to 3 working days

  • Supported currencies

    2

  • Mobile payments

14.95 €
Up to 3 working days

2

A premium card with no fee for international payments, no foreign currency fees, and unlimited ATM withdrawals at home and abroad.
Monese Starter
  • Management Fee

    0 €

  • Card delivery

    Up to 3 working days

  • Supported currencies

    2

  • Mobile payments

0 €
Up to 3 working days

2

A dual currency account with no foreign currency fees up to €2,000 per month. Features include budgeting tools and multilingual support.
Wirex Standard
  • Management Fee

    0 €

  • Card delivery

    Up to 4 business days

  • Supported currencies

    12

  • Mobile payments

0 €
Up to 4 business days

12

Get a Welcome Bonus of $15 USD in WXT when you sign up with Wirex through Finder.

Benefit from an array of digital payment features, including a free prepaid Wirex card and unlimited fee-free transfers at interbank rates - with zero monthly subscription fee.
Wirex Premium
  • Management Fee

    9.99 €

  • Card delivery

    Up to 4 business days

  • Supported currencies

    12

  • Mobile payments

9.99 €
Up to 4 business days

12

Get a Welcome Bonus of $15 USD in WXT when you sign up with Wirex through Finder.

Enjoy revolutionary digital payment features on-the-go, plus exclusive merchant deals and higher rewards when you spend on your Wirex card.
Wirex Elite
  • Management Fee

    29.99 €

  • Card delivery

    Up to 4 business days

  • Supported currencies

    12

  • Mobile payments

29.99 €
Up to 4 business days

12

Get a Welcome Bonus of $15 USD in WXT when you sign up with Wirex through Finder.

Access supercharged rewards and curated merchant offers in addition to standard Wirex digital payment features and travel card.
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How do prepaid cards work in Germany?

A prepaid card, also known as a prepaid credit card or prepaid debit card, is a card that is loaded in advance. Funds are usually preloaded at terminals, ATM machines or even a mobile app. You can only use the amount of money that has been added to your card, making prepaid debit cards very similar to traditional debit cards in Germany.

Prepaid card vs credit card vs debit card: What’s the difference?

While all three card types can be easily used for day-to-day spending, they each come with unique pros and cons.

Here’s how each card type works:

  • Prepaid card. Requires you to load funds into the card in advance. In most cases, you’ll only be allowed to spend up to the amount you’ve preloaded.
  • Credit card. Allows you to borrow now and pay later for goods and services, up to a certain limit. However, you’ll be charged interest on what you owe if you’re not able to clear your balance in full each month.
  • Debit card. Make purchases with the funds that are available in the bank account that’s linked to your card. As soon as you make a purchase or withdraw money from an ATM using your debit card, the money will be deducted from your bank account.

Here’s a quick overview of these three card types:

Prepaid cardCredit cardDebit card
Payment networkTypically Visa or MastercardVisa, Mastercard, American Express and moreVisa, Mastercard and more
Card feesTypically free, or up to €15/month depending on your subscription planGenerally €100 or more in annual fees. May be waived for one to two years. Late payment or cash advance fees may applyTypically free for most banks
Bank account requirementNoNoYes
Preloaded balanceYesNoNo, but spending is limited to the funds you have in your bank account
Interest rateN/AApproximately 6.5% to 20% p.a.N/A
Overdraft facilityNoYesNo
Cash withdrawalTypically noYes, including cash advanceYes
Credit check requirementNoYesNo
Rewards and cashbackVaries between card issuers. May come with cashback or member perks, but rewards are generally less than credit or debit cardsUsually comes with a host of rewards and benefits including air miles, cashback and other promotionsVaries between card issuers. May come with cashback or member perks, but rewards are generally less than credit cards

What prepaid cards are there in Germany?

Here are some popular prepaid cards in Germany for you to consider:

Mastercard Black & White card

The Black&White card is a prepaid debit card offered by Mastercard with no annual or monthly fees, and a 3-year card validity. Pay as you go and use your card as soon as you receive it. Sign up online with Mastercard, with no SCHUFA checks or salary statements required. Do note that Mastercard charges a one-time €89.90 card issuance fee, 1.5% reload fee, €4.99 cash withdrawal fee and 2.49% foreign currency charge.

Mastercard VIABUY

This card offers free card payments within the Eurozone with no interest-rate traps. Registering for Mastercard VIABUY is quick and easy, as the online process does not require a post ident, salary statement or SCHUFA check. VIABUY’s website comes in English, which makes it a great option for expats. However, fees to watch out for include a €19.90 annual fee, €69.90 issuance fee, €5 cash withdrawal fee, 0.9% reload cost and foreign currency charges of at least 2.75%.

DKB prepaid cards

The DKB Cash U18 account comes with a prepaid card offering zero monthly fees, free worldwide withdrawals and no foreign currency costs. It can be open at any age, as long as minors have a legal representative with a DKB Checking account.

Visa Payango card

Issued by the German BW bank, the Visa Payango card is quick to apply for and comes with a 4-year validity period. What makes it stand out from other prepaid cards in Germany is its free recharges via bank transfer and no load limit. However, the card comes with a €25 issuance fee, €25 annual fee, as well as fees for cash withdrawal and foreign exchange that are upwards of 2%.

Commerzbank prepaid cards

Commerzbank’s prepaid cards are especially attractive to younger users. They typically come with no annual fees, free worldwide withdrawals, and free reloads done via bank transfer. For adult users, the Commerzbank Prepaid card comes at an annual fee of €39.90, with a 1.95% cash withdrawal charge and 1.75% foreign currency fee.

How to compare prepaid cards in Germany

Here are some features to keep an eye out for when choosing the best prepaid card for you in Germany:

  • Issuance fees. Issue fees include purchasing and set-up fees.
  • Ease of registration. Getting a prepaid card shouldn’t be a hassle. Convenient signup options, such as online registration and free card delivery could be a priority if you want a simple, quick registration process.
  • Miscellaneous card fees. These could include cancellation fees, inactivity fees, ATM withdrawal fees or card replacement fees.
  • Load limits. Load limits restrict the amount of money you can store in your prepaid debit card. Some people find lower load limits a hassle because they have to regularly top up their cards. Others may find this a good security measure to reduce losses if the card is stolen.
  • Customer service. Trusting a company with your money is a big deal, so you might naturally expect to get in touch with the company easily when concerns arise. The quality of customer service is important to people who want greater control over their finances.

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