The Best Prepaid Debit Cards to Use in Germany

If you are planning a trip to Germany or moving there for an extended period, you may be wondering what the best prepaid debit cards are to use in the country. Prepaid debit cards are a convenient and secure way to access your money while abroad, as they allow you to load funds onto the card in advance and use it to make purchases or withdraw cash from ATMs. 

 

This article will provide an overview of the best prepaid debit cards to use in Germany, including their fees, features, and pros and cons. Whether you are looking for a card with no fees, a card with a high withdrawal limit, or a card that merchants widely accept, we have got you covered.

 

  1. N26

N26 is a mobile banking app that offers a prepaid debit card called the “N26 Mastercard.” Some of the fees and features of the N26 Mastercard include:

 

  • No monthly or annual fees
  • No foreign transaction fees for purchases made in a foreign currency
  • Free ATM withdrawals up to €200 per month, with a fee of €2 for each additional withdrawal
  • Contactless payments and Apple Pay and Google Pay integration
  • Ability to set custom payment limits and spending categories
  • Built-in security features such as fraud monitoring and account freezes

 

Here is a table summarizing the pros and cons of the N26 Mastercard:

 

Pros Cons
No monthly or annual fees Fees for additional ATM withdrawals
No foreign transaction fees Some users have reported issues with customer service and account freezes
Free ATM withdrawals up to €200 per month Some users have reported issues with declined transactions and fraudulent activity on their accounts
Cash can be withdrawn from any ATM in Germany free of charge
Custom payment limits and spending categories
Built-in security features

 

It is important to consider these pros and cons when determining if the N26 Mastercard is the right prepaid debit card for your needs.

 

  1. Revolut

Revolut is one of the most popular digital banking platform in Germany that offers a prepaid debit card. Some of the features of the Revolut card include:

 

  • No fees for making purchases or ATM withdrawals in foreign currencies
  • Ability to hold and exchange multiple currencies in your account
  • Ability to send and receive money internationally at no cost
  • In-app budgeting and spending tracking tools

 

There are several fees associated with the Revolut card. These include:

 

  • A fee for ATM withdrawals over a certain amount per month (the exact amount varies depending on your account plan)
  • A fee for using the card in certain countries (the list of countries where this fee applies is available on the Revolut website)
  • A fee for currency exchanges above a certain number per month
  • A fee for currency exchanges above a certain number per month (the exact number of exchanges varies depending on your account plan)

 

Here are some pros and cons of Revoult:

 

Pros Cons
No fees for making purchases or ATM withdrawals in foreign currencies The customer service experience can be inconsistent
Ability to hold and exchange multiple currencies in your account Their fees for premium accounts can be high
Ability to send and receive money internationally at no cost The card may not work in all areas of Germany
In-app budgeting and spending tracking tools

 

  1. Commerzbank Prepaid

Commerzbank Prepaid is a prepaid debit card that can be used for online and in-store purchases, as well as ATM withdrawals. Some of the features of the Commerzbank Prepaid card include:

 

  • No credit check or minimum balance requirement
  • Ability to make online and in-store purchases
  • Ability to withdraw cash from ATMs
  • Option to customize the card with a personal image

 

There are several fees associated with the Commerzbank Prepaid card. These include:

 

  • A fee for ATM withdrawals in foreign currencies
  • A fee for card replacement
  • A fee for account maintenance

 

Pros Cons
No credit check or minimum balance requirement it carries a relatively high cost
Ability to make online and in-store purchases The card charges 1.75% of the transaction amount for each purchase you make abroad
Ability to withdraw cash from ATMs The card has limited withdrawal and spending limits
Option to customize the card with a personal image

 

It important to carefully review the fees associated with the Commerzbank Prepaid card and consider whether the features it offers are worth the cost.

 

Conclusion

Choosing the best prepaid debit cards for use in Germany can be confusing, but with a bit of research, you should find the perfect one for your needs. Make sure to compare the fees and features of all the Prepaid cards with each other to determine which one is the best option for you.

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