Mastercard – VIABUY (Prepaid)
This German credit card is a prepaid Mastercard. That means it’s a credit card on prepaid basis, that can be used at any Mastercard points of acceptance.
Registering for the VIABUY Prepaid Mastercard is pretty easy. You can purchase it online by clicking the yellow button Karte bestellen. There is no need for a post ident or a salary statement. After registration, the VIABUY Prepaid Mastercard will be sent to you via post within 24 hours.
- No SCHUFA check
- Free card payments within the Euro Zone
- No interest-rate trap
|Credit Card Type||
Revolving Credit Card
22.80% per year on withdrawal amount
|Foreign Currency Payment||
This German credit card is perfect for students and young people. In case of loss or theft, especially abroad, you will only lose the amount of money that has been booked on the card. Apart from that, the VIABUY Prepaid Mastercard protects you from spending too much: you can only spend as much money as you have booked on the card. Therefore, high interest rates and dept traps can easily be avoided. The VIABUY Prepaid Mastercard is also a good choice for start-ups that struggle to open up a business account.
Charging the VIABUY Prepaid Mastercard is easy: the card is not connected to your bank account. You can simply charge it via free SEPA debit.
There is a one-time fee of 69.90€ when purchasing this German credit card; it includes the card itself and the VIABUY Onlinekonto. In addition to that, an annual fee of 19.90€ applies. Although you can get three free partner cards with your VIABUY Prepaid Mastercard, each partner card costs 14.90€ annually.
This German credit card has several advantages:
- Overview over your spendings via SMS and Email
- No dept trap or interest rates
- Free charging of card via any bank branch, SEPA and national transfer
- Very accessible customer service (phone: +442038850005, email: firstname.lastname@example.org, Facebook)
- Free card payment within the Euro Zone
- 100% acceptance rate with residence within the European Union
Although the VIABUY Prepaid Mastercard is a good choice for (exchange) students and young people, there are some hidden costs. Cash withdrawal within the Euro Zone costs 5€ at any ATM. Also, the Fremdwährungseinsatz (foreign currency payment) is with 2.75% quite high.