Für Minderjährige empfehlen wir die Prepaid-Karten von Volkswagen Bank, DKB und Commerzbank. Für Menschen mit schlechtem Schufa-Score eignen sich. Hallo, Spotify laeuft derzeit bei mir noch ueber eine franzoesische Kreditkarte (Visa Electron). Ich moechte jetzt jedoch eine andere Kreditkarte. Visa Bezahlkarten. Mit Visa können sie einfach und sicher bargeldlos bezahlen – im Geschäft, online und mobil, natürlich Deutsche Kreditbank AG (DKB).
VISA Electron CardHallo, Spotify laeuft derzeit bei mir noch ueber eine franzoesische Kreditkarte (Visa Electron). Ich moechte jetzt jedoch eine andere Kreditkarte. Die kostenlose Kreditkarte zum DKB-Cash. Bezahlen, sparen und weltweit Geld abheben ohne Gebühren. Die DKB-VISA-Card. Für Minderjährige empfehlen wir die Prepaid-Karten von Volkswagen Bank, DKB und Commerzbank. Für Menschen mit schlechtem Schufa-Score eignen sich.
Visa Electron Dkb … this is what DKB customers love most: VideoDKB Karten ⇒ Giro- oder Visa Card nutzen?
Novoline hat Visa Electron Dkb Zahl 7 einen eigenen Jozef Kovalik gewidmet: Golden Sevens und hier. - Ihre VorteileSpotify laeuft derzeit bei mir noch ueber eine franzoesische Kreditkarte Visa Electron.
So it would be advisable to transfer money from your second credit card to your current account, so that you have for example. It might be a practical idea for some people not to set up the account so that it transfers all money from the current account in the first place, but so that it always leaves some money on the current account and only transfers everything above a threshold to the savings account.
I hope that helps. Are you stating Option 1: open a Tagesgeld and ask for another visa credit card for the saving or Option 2: open a DKB Cash as it already pays a small interest and use the Visa card for shopping or Option 3: on top of option 2 ask for another visa credit card and save money in that visa card.
I would like to sign up for a DKB credit card basically for online shopping. I do not speak fluent german. Do you think I will have issues handling this credit card?
Please have another look at point 4 of the article above. In my case, I would only need the card for a similar example as this one provided on your website:.
However, you should check the credit limit beforehand and if necessary deposit the amount your will need. My question is: how much do I need to call the bank services and how much can be simply done online?
I tried to use the DKB-Cash link, which allows you to specify that your country of residence is USA, but then it says the account cannot be opened.
I contacted DKB about this and they told me that only citizens of Germany, Austria and Switzerland can open an account. Of course, that is possible.
The banking account as such does not accumulate interest, and the credit card only does, if you put additional money onto it. If you use your DKB account as your regular account for your salary, you will receive a credit line on your banking account, so that you might be able to do without additional money transfers between the two cards.
I need to open an account ideally before I start. Can I do this online before I arrive or do I have to make an appointment with the bank once I am there?.
Any advice please. I have been reading your blog and I have found many answers. However, I want to know if you might have some recomendations for me.
This is because I and going to Germany for one month for academic issues and I want to open an account. My country is not elegible for open an account throught online service.
Do you have any idea in which I can open an account? I want to save money in other currency. If you understand German, you can even — in justified cases — open a savings account from abroad at Comdirect Bank.
That is called Tagesgeld Plus. But the interest rate is very low. Generally, the interest rates in Germany are currently very low, so that it is not very worthwhile to open up a savings account.
If you at least have a temporary address in Germany, so that you can receive the banking card no hotel address or P.
There will be a fee for the opening, but it is completely in the English language. An English language version is currently in the works. You might have some luck if you simply go into a bank branch … but that is outside our business expertise, since these operate very differently.
Our web portal is specialized in the best online banks. It is easier though, to become a customer of one of the best direct banks, if your residence is in Germany instead of abroad.
I have never lived in Europe before. Do you think I will be able to open a DKB account? I will have an address in Germany shortly, but I probably do not have any record in Schufa.
And how about a Comdirect bank account? Should it be easier for me to open such an account over a DKB one? And another question: What is the current interest charged once every month for the use of DKB Visa card?
Hello Author, Many thanks for this blog and for your efforts to write!!! I have Indian Passport. For me the Identification was successful. But when we told him that we already did my authentication before 10 mins, he checked it back and then did for my wife also.
I am an international student in Germany and I am here for 5 years to complete my studies. I want to ask one question I can apply credit card or not.
I have account in Deutsche Bank and Commerzbank as well my monthly salary coming in Commerzbank. I will be very thankful if describe something relating for this.
Whether that make sense for you, we cannot judge for you, and the same goes for the question, whether the bank will open the account.
This will be decided in the course of the credit check, as it is generally done with German direct banks with a Visa Card credit line. Good luck!
She travels around Europe a fair bit, and wants an account she can use to withdraw euros in different countries. Strangely, the VISA credit card was declined, but she was able to withdraw cash with the maestro debit card.
She has credit in both accounts. Can you think of why this has happened? Will she incur any charges? If you try to withdraw amounts below 50 EUR, it does not work.
Switching to the giro card is not a good idea, because with the giro card the customer pays the withdrawal fee.
If there is a different reason, please contact the bank directly. As editorial team we do not have any access to customer or card dates.
The account has a credit line, so the lowest possible account balance is the full use of the individual credit line. Another one…. So to get my money in is easy.
Does this mean that is it mandatory to always withdraw minimum 50 EUR equivalent? Unfortunately, I could not open the account.
It was not clear why, but they asked me to fill up a feedback version where I could fill the application and send.
After three working days, I receive a letter that my account can not be opened for some reasons which they did not mention.
If I need to know, I had to write them a letter and post. Utter insane it is. I guess they deliberately do not want to provide services to foreigners.
Has anyone else had the same experience? In addition, these can be very different from bank to bank. If you for example go to a Sparkasse, you can get an account easily.
Via the questions in their online application they try to assess this point, and there are also additional queries at credit check agencies, e.
Schufa and Infoscore. If somebody does not have a good history with those, important requirements for the account opening are not being met, which by the way is the case with many Germans as well!
In our coaching program we coach, among other factors, regarding how to build a good credit standing. Building a good credit standing in the country, where one lives, is important, for example in case one wants to finance something at a later point, for example a car or home.
But I want to open a DKB account for its evrstaile services for using it in abroad. I have two questions:. Just want to verify this information before applying.
During the first 12 months, this benefit is granted even without the incoming money. So you have enough time to test the account extensively.
Further info here. If one does not want that, one can transfer money onto the DKB Giro account and internally transfer it to the credit card.
This also increases the available amount on the Visa Card. I have been living in Germany since 6 years now.
Due to which, I always have to transfer money from current account. I have a permanent job and good salary. I asked them to increase my credit limit but they refuse to do so.
What can I do? How can I prove them that I am a reliable customer. That is odd. Maybe the salary payment as such is not recognized automatically. Only the bank can do changes.
Best of luck. I have there a question. So we can withdraw money from Automat by using credit card or giro card of DKB but what about if I have with me for example some cash , and I want to deposit it in Automat.
My last question is, if I withdraw cash outside of Germany but in EU countries is there any charge? Thank you so much for your time.
If you want to deposit more frequently, it would be a good idea to open an account with a branch bank. Regarding the second question: The use of the Visa Card is free of charge worldwide.
Similarly, the withdrawal of cash in Germany, in the EU and in the rest of the world free, as far as DKB fees are concerned.
As described in the article above. I am planning to open up a joint DKB account with my wife, from what I have found we would get two giro cards and two Visa cards.
Would it still be possible to add another Visa card to the account for savings?? Yes, a second Visa Card is possible.
Still, you can use it for internet payments because it has a CV code and everything else you need. The application can be made after the account opening.
If another physical card is desired, you can also apply for that, even with a custom motive. For this, a one-time fee will be charged.
Hi and thanks for sharing your experiences. There it says:. In order to remain free of charge [N26], you are not forced to withdraw cash in the foreign currency country first, as with the DKB, because Number26 does not even charge the international service fee when paying with the credit card abroad!
I have a DKB account since long time. Back in the days I could see the monthly interest credit in my credit-card account.
I have a DKB account and I have read through your comments regarding various transactions. While reading all of them, I was surprised that so little is said about making deposits into the accounts while living abroad i.
So, how can I make deposits from USA? Is it through my local bank? I use the special service provider TransferWise. Another alternative would be to send a check to Berlin.
Hi, I am currently in Athens, Greece. So profitiert der Verbraucher beispielsweise von einem gewissen Überschuldungsschutz, da alle getätigten Umsätze sofort ersichtlich sind und dem Verrechnungskonto belastet werden.
Bei der Prepaid-Kreditkarte ist es so, dass der Karteninhaber nur über Guthaben verfügen kann, die sich auf dem Kartenkonto befinden.
Vorteilhaft ist in dem Zusammenhang, dass bei der Beantragung dieser Kartenvariante zuvor keine Abfrage der relevanten Schufa-Daten erfolgt.
Sie kann also trotz negativem Schufa Eintrag beantragt werden. Darüber hinaus können auch solche Personen die Kreditkarte nutzen, die für eine Karte mit Kreditfunktion keine ausreichende Bonität besitzen.
Dies trifft beispielsweise auf Minderjährige, Schüler und Arbeitslose zu. Sie können sie bei Bedarf ausdrucken oder zeitlich unbegrenzt in Ihrem Archiv speichern.
Sie können zwischen drei Varianten wählen:. Die Einrichtung eines entsprechenden Dauerauftrages können Sie hier beauftragen.
Die Gutschrift erfolgt in jedem Fall am folgenden Bankarbeitstag. Ihr Internet-Banking wird mehrmals täglich aktualisiert, daher kann es zu einer zeitversetzten Anzeige kommen.
Der monatliche verfügbare Betrag auf Ihrer Karte setzt sich zusammen aus dem vereinbarten Kreditkartenlimit und dem auf der Karte zusätzlich vorhandenen Guthaben.
Das Auszahlungslimit eines Geldautomaten legt der jeweilige Betreiber z. So kann es sein, dass Sie an einem Automaten nur einen geringeren Betrag als den eigentlich von Ihnen gewünschten ausgezahlt bekommen.
Durch Visa ist allerdings festgelegt, dass pro Abhebung Beträge von bis zu Euro auszuzahlen sind. Bitte beachten Sie daher die Hinweise am Geldautomaten.
Bezahlen Sie z. Credit , charge and debit cards. Cash advance Charge-off. Grace period Introductory rate Universal default. Card not present transaction Chargeback Controlled payment number Dispute.
Fee Surcharge Card scheme. Cirrus Pulse Plus. Card security code Chargeback fraud Credit card fraud Credit card hijacking.
Issuing bank Acquiring bank.