Best Prepaid Credit Card in Germany + Pros & Cons [2023]

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Last Update: Oct 4, 2023 @ 2:03 pm

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Moving To Germany? Then you must be looking for the best-prepaid credit cards in Germany. A prepaid credit card is a fantastic way to manage your finances in Germany. So, here we have come up with some best-prepaid credit cards to put you at ease. This guide will elaborate on the significance of prepaid credit cards along with the best ones in Germany. Read till the end to find out everything about the best-prepaid credit cards in Germany.

Why Get a Prepaid Credit Card in Germany?

The benefits that come with a prepaid credit card make it a must-have for everyone. Following are some benefits of prepaid credit cards in Germany.

Large International Payments

When making an international purchase, a prepaid credit card helps you follow a smooth payment procedure. Particularly, when you have to go through large payments, prepaid credit cards make the procedure easy for you. 

Money Withdrawal

A prepaid credit card allows you to withdraw money from all the ATMs worldwide.

Online Payments

For online payments, your prepaid credit card is the best payment option.

Protected and Secure

A prepaid credit card provides you with great consumer protection. It enables you to recall your payments for up to eight weeks in case of false payments.

No overspending

With a prepaid credit card, you spend the credit you have on your card. This eliminates the chances of overspending and is thus a great way to remain within your budget.

The Assessment Criteria to Find Best-Prepaid Credit Card in Germany

When looking at myriads of options available, you may get confused about which one is the best. Following are some parameters that you should keep in mind while getting a prepaid credit card in Germany.

Issuance Fees

Some cards are free of cost i.e., they have no issuance fee. However, they may have high annual costs. The issuance fee is all about the setup and purchasing cost.

English Customer Service

When dealing with your finances, it’s hard to trust a company. So make sure to contact a company that provides excellent customer service in English. This will help you stay in touch with the company whenever required.

Maximum Balance Limit

This limit sets the restrictions on the amount of credit you can load on your prepaid cards. Some cards come with no load limit. If you are not going to use your card too often, then a lower load limit will never cause you a hassle. However, for excessive usage, a card with no such limit will be best for you.

Other costs

There are many extraneous costs associated with prepaid cards i.e., recharging costs, withdrawal costs, foreign currency fees, etc. keep all these costs in mind while choosing the best-prepaid credit card in Germany.

Online registration

Make sure that you can get the card with much ease and comfort. The quick online registration process offered by many card providers is a good option for getting a prepaid card easily.

How to Open a Bank Account & Get a Prepaid Credit Card

If you want to open a bank account to get a prepaid credit card, then you need to have some documents with you when applying. These documents include proof of registration, passport, or proof of national identity. If you are a student, then you will be required to submit the student registration proof. In some cases, income proof is also required by some banks.

Best-Prepaid Credit Cards in Germany

Here we have listed some of the best-prepaid credit cards in Germany.

1-      Mastercard VIABUY

2-      Mastercard Black&White Card

3-      Commerzbank Prepaid Mastercard/VISA

4-      Bunq Mastercard

5-      PayangoCard

Quick Comparison Between the Best-Prepaid Credit Cards in Germany

If you are in hurry, then no problem. Here is a table giving you a quick overview and comparison of the best-prepaid credit cards in Germany.

Mastercard VIABUYBlack&White MastercardCommerzbank PrepaidBunq MastercardPayango Card
Issuance Fee69.9 €89.9 €No feeNo fee25 €
Annual Fee19.9 €No fee39.9 €2.99 €25 €
Recharging Fee0.9 %1.5 %No fee when recharging via bank transfer-No fee when recharging via bank transfer
Foreign Currency Fee2.75 %2.49 %1.75 %No fee1.5 %
Cash Withdrawal Fee5 €4.99 €1.95 %0.99 €2.0 %

Mastercard VIABUY

If you want to enjoy an effortless application process for a prepaid card, then Mastercard VIABUY is a good choice for you. For issuance, you will be required to pay a fee of 69.90 Euros. After the issuance fee, there comes the annual fee of 19.90 euros.

If you recharge your card via SEPA bank transfer, you will have to pay a recharge fee of 0.9%. for purchasing items in euros, you will not have to pay the fee. While for foreign purchases, the fee is 2.75%. For the cash withdrawal from the atm, you will be paying 5 euros no matter in which currency you are making the withdrawal.

Check out MasterCard VIABUY Top Best Prepaid Credit Card in Germany
  Website and customer service are available in English.
  The application process is effortless and quick.
  The quality of the card is assured.
✅  It doesn’t require any income proof or credit check.
  You will have to pay the yearly fee of 19.90 euros.
⛔  If you remain inactive for more than 12 months, then you will have to pay the fee of 9.95 euros/month.

Mastercard Black&White Card

When it comes to quality, this card ranks on the list of prepaid cards in Germany. The process to apply for this card is super-easy as it hardly takes 3 to 5 minutes. To issue this card, the bank will charge a fee of 89.90 euros. However, this is a one-time fee and you will not have to pay for it again.

After you have received the card, you will have to pay recharge fees of 1.5% on each recharge. When purchasing in euros, you can shop for free without any charges. However, when dealing in foreign currency, you will have to pay a 2.49% fee. The cash withdrawal fee of this card is fixed no matter whether you are withdrawing local or foreign currency and this fee is 4.99 euros.

Check out Mastercard BlackWhite Card Top Best Prepaid Credit Card in Germany

  The card is valid for 3 years
  The online application process is very quick and smooth.
  You will not have to pay the annual fee.
  No compromise on the quality of the card is made.
  It doesn’t require any salary checks.
  Cheap to buy

  A lot of hidden costs are associated with this card i.e., withdrawal fees, recharge fees, etc.
  It doesn’t offer any travel insurance or special discounts.

Commerzbank Prepaid Visa/Mastercard

With the Commerzbank, you have the freedom to choose whether you want a Prepaid VisaCard or a MasterCard. With this card, you have to pay a high annual fee of 39.90 euros. If you recharge your card via bank transfer, you can enjoy free recharging. For the cash withdrawal, the fee is 4.95 euros.

It doesn’t come with embossing and therefore it seems distinctive from usual credit cards.

Check out Commerzbank Prepaid Visa Mastercard Top Best Prepaid Credit Card in Germany
  You will not have to pay any issuing fee.
  Recharging is free when done via bank transfer.
  Customer service is available in English.
  It looks distinctive and therefore easily locate in your wallet.
  Very high early fee of 39.90 euro
  A cash withdrawal fee is associated with this card.

Bunq Travel Card

Bunq Mastercard requires you to follow a quick 5-minute application procedure. The annual fee of 2.99 Euros is associated with the Bunq Mastercard card. Money transfers are free of cost. Also, the payments done in euros are free. And the best thing about Bunq is that it offers you free non-euro payments as well. The cash withdrawal fee is fixed worldwide and that is 0.99 Euros.

Check out Bunq TravelCard Card Top Best Prepaid Credit Card in Germany
  The app offers a user-friendly interface.
  The annual fee is relatively low as compared to other cards.
  Foreign currency payments are free of cost.
  The cash withdrawal fee is relatively low.
  No credit checks.
  5-minute quick application procedure.
  Bunq is relatively a new banking concept.



The Visa card of Payango is a debit card in actuality. However, it is capable to function as a prepaid card. The online process of application is easy, quick, and simple. The issuance fee of this card is relatively low i.e., 25 Euros. It is a one-time fee. However, you will have to pay the annual fee of 25 Euros.

The fee for foreign currency payments is 1.5%. For cash withdrawals, you will have to pay a fee of 2%.

Check out PayangoCard Top Best Prepaid Credit Card in Germany
  No limit for balance.
  The card is valid for four years.
  The card has a relatively low issuance fee as compared to others.
  When recharging via bank transfer, no fee is charged.
  No English customer service is available.
  An annual fee is required.


When looking for a prepaid credit card in Germany, you will hardly find the one having no fee. Different costs are associated with different cards. Now it’s all up to your usage requirements that which one suits you the most.

If you are in search of a detailed guide about getting a free credit card in Germany, then we are here to rescue you with a complete guide in this regard.

Frequently Asked Questions

How much time will it take to apply for a prepaid credit card in Germany?

The time varies with the card providers. However, all of the providers mentioned in this guide offer a quick and smooth application process requiring a maximum of 8 minutes to follow.

Is there any prepaid card that comes without the Credit Score (SCHUFA) check?

Yes, prepaid credit cards have nothing to do with your credit history (SCHUFA). There will be no need for a bank statement while applying for a prepaid credit card. Such cards which never require a credit check include VIABUY and Blakck&White Mastercard.

Which prepaid credit card will be the best for me?

Well, for finding the best from the list, you will have to pay close attention to withdrawal costs, annual fees, and recharge fee. If you are still confused, you can consult with a friend or colleague who already owns a prepaid credit card. 
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