Prepaid cards in Germany

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

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Prepaid cards help you with hassle-free money management for your financial needs. This guide will cover what you need to know about prepaid cards in Germany, including how they work and the providers to choose from.

Compare a range of prepaid cards in Germany

Data indicated here is updated regularly
Name Product Monthly fee Card delivery Supported currencies
Comdirect Bank Current Account
€0
N/A
EUR
A free current account with no minimum incoming funds. Includes a free Visa credit card and free cash withdrawals worldwide.
Norisbank free current account
€0
5-7 working days
EUR

Receive €100 starting credit for a limited time*

Benefit from a €0 account fee, free Maestro card and free cash withdrawals from thousands of locations worldwide.
N26 Bank Account
€0
Up to 10 working days
EUR
Benefit from no monthly fee, no currency conversion fees and a raft of in-app budgeting features to help you save.
Tomorrow
€0
3-5 business days
EUR
A free Visa debit card with free transactions across the globe and 3 withdrawals per month for free.
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Data indicated here is updated regularly
Name Product Monthly fee Card delivery Supported currencies
Fidor Smart Current Account
€5
N/A
EUR
A mobile current account with real-time notifications on your transactions. Includes a digital Mastercard with mobile payment and a Smart Banking app.
N26 You
€9.90
Up to 10 working days
EUR
A smart IBAN account with no currency conversion fees, complimentary insurances and no ATM fees here or abroad.
Tomorrow Zero
€15
3-5 business days
EUR
A free Visa debit card with free transactions across the globe and unlimited free ATM withdrawals per month
TARGOBANK Online-Account
€3.95
N/A
EUR
An online current account that comes with a Visa credit card. Free online transfers and free cash withdrawals at more than 3,000 ATMs.
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Data indicated here is updated regularly
Name Product Monthly fee Card delivery Supported currencies
bunq Travel card
€0
Up to working 10 days
EUR
A no monthly-fee card that lets you travel and spend globally using the real exchange rate. Security controls and simple payments.
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Please note these products are not licenced as banks. Check our product review pages for details.
Data indicated here is updated regularly
Name Product Monthly fee Card delivery Supported currencies
Holvi Starter
€0
Up to 10 business days
EUR
An online account ideal for new businesses with €0 monthly fees and unlimited SEPA transfers. Includes a Holvi Business debit Mastercard.
VIABUY Prepaid Mastercard
VIABUY Prepaid Mastercard
€1.65
3-5 business days
EUR
VIABUY Prepaid Mastercard comes with no line of credit and it does not require credit checks.
Holvi Grower
€12
Up to 10 business days
EUR
A full online business account with unlimited SEPA transfers, unlimited invoicing and up to three Holvi Business Debit Mastercards.
Revolut Standard
€0
Up to 9 working days
GBP,SEK,PLN,CHF,DKK,NOK,USD,CZK,CAD,AUD,RON,EUR
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.
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How do prepaid cards work in Germany?

A prepaid card is a card on which money is loaded in advance. This preloading can be done at most terminals or ATM machines. Users can only use the amount of money that has been added to their card, making prepaid cards very similar to debit cards. The key difference between prepaid cards and regular debit cards is that the former is not linked to your bank account.

What options are there for prepaid cards in Germany?

Here are some popular cards to consider in Germany.

Mastercard Black&White card

The Black&White card is a prepaid card offered by Mastercard with no annual or monthly fees. 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.

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.

JCB CardDuo

JCB prepaid cards offer free cash withdrawals at any REWE store, and free account changing services. Sign up easily without a SCHUFA or credit check.

Revolut’s Visa Card

Revolut‘s prepaid Visa cards can be fully managed by the Revolut app. Register online easily by simply filling up your personal details and providing a selfie for identification purposes. There are no yearly fees or sign-up fees involved. Some fan-favourite features offered by Revolut are its in-app budgeting features and interbank exchange rates.

Volkswagen Bank’s My First Giro

This prepaid card comes with no annual fees, free withdrawals worldwide and zero foreign currency fees. It’s created for minors and is even available to kids, as long as they’re above 10 years old.

DKB prepaid cards

The DKB Cash U18 comes with zero annual 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.

Commerzbank prepaid cards

Commerzbank’s prepaid cards are targeted especially to minors. They come with no annual fees, free worldwide withdrawals, and no foreign currency costs. They are free for minors above the age of 14 and are available to those above 18 for an annual fee of 39.90€.

Monese

This digital bank allows you to open a current account from anywhere in the Europe Economic Area (EEA). Monese gives you three currency options for your account and has a few different account options, including a free account.

How to compare prepaid cards in Germany

Here are some features to help you choose between the best prepaid cards available.

  • Issue fees: Issue fees consist of purchasing and set-up fees.
  • Ease of registration: Getting a prepaid card shouldn’t be a hassle. Convenient signup options including online registration and free card delivery could be a priority for you if you want a simple, quick registration process.
  • Extraneous card fees: Such fees can be 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 card. Some people find lower load limits a hassle because they have to regularly top up their card. Others feel it is a good security feature to reduce losses if your card is stolen/taken advantage of.
  • Customer service: Entrusting a company with your money is a big deal, so you might naturally expect to be able to get in touch with the said company when concerns arise. The quality of customer service is therefore important to people who want greater control over their finances.

Frequently asked questions

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