Student Credit Cards Germany
Looking for a student credit card in Germany? Whether you’re new to the country or starting university life, getting a credit card as a student can be tricky — but not impossible. Some banks offer student-friendly options with no annual fees, no SCHUFA check, and built-in spending controls.
The right card can help you shop online, book travels, and build financial habits — all without going into debt. Here’s what you need to know.
What Is a Student Credit Card?
A student credit card is a simplified payment card designed for university students who may not yet have a stable income or credit history. These cards offer the flexibility of paying online, booking travel, or covering monthly expenses — but often with lower limits, fewer fees, and no interest-bearing credit line.
In Germany, student credit cards are typically one of the following:
- Prepaid cards: You load funds in advance and can only spend what’s available. You can read more about Prepaid cards here.
- Debit cards with credit card branding: Issued with student accounts, they work like credit cards online but pull money directly from your bank balance.
- Low-limit charge cards: Some banks offer actual credit cards with capped monthly spending and no interest if repaid in full.
These cards help students build financial discipline, get used to digital payments, and gain access to global services — all with minimal risk.
Can Students Get a Credit Card in Germany?
Yes, students can get a credit card in Germany, but the options are limited compared to full-time employees. Traditional credit cards with flexible repayment and high limits are rarely issued to students unless they have a steady income and a good SCHUFA score. However, there are student-friendly alternatives available from both banks and fintechs.
To qualify for even a basic student credit card, you’ll typically need:
- Proof of university enrollment
- A German bank account (IBAN)
- A registered German address (Anmeldung)
- Minimum age of 18
Some providers also require proof of income (e.g. part-time job or stipend) or check your SCHUFA score, though this depends on the card type.
Credit Cards for International Students in Germany
International students face additional steps when applying for a credit card in Germany. Since most arrive without a SCHUFA history or local income, traditional credit cards are rarely an option. But many fintech banks and neobanks offer prepaid or debit-based cards that are ideal for international use.
To apply as a foreign student, you’ll usually need:
- A valid residence permit (Aufenthaltstitel)
- A registered address in Germany (Anmeldung)
- A student visa or university acceptance letter
- A German or EU bank account for card linkage
- A passport for identity verification via VideoIdent or PostIdent
Cards from banks like N26, bunq, or Wise are popular among internationals because they:
- Don’t require SCHUFA
- Offer English-language interfaces
- Work globally with low fees
- Provide instant virtual cards
These cards help international students manage money safely, make online purchases, and access services that require a Visa or Mastercard — without needing traditional credit approval.
How to Apply for a Credit Card as a Student in Germany
Applying for a credit card as a student in Germany is straightforward if you choose the right card type and have the basic documents ready. Most students apply for prepaid cards, student debit cards, or low-limit charge cards, which have fewer entry requirements than traditional credit cards.
Step-by-step process for student card application
- Choose the right card type
- Select a student-friendly provider
- Prepare required documents
- Apply online or via app
- Verify your identity
- Wait for approval and card delivery
- Activate and start using your card
1. Choose the right card type
Decide between prepaid, debit-based, or low-limit charge cards. If you have no income or SCHUFA history, prepaid cards are the safest and easiest to get.
If you receive a stipend or work part-time, you may qualify for a charge card with a small credit limit.
2. Select a student-friendly provider
Look for banks or fintechs that explicitly offer cards to students. Popular choices include N26, bunq, Revolut, VIABUY, and sometimes large banks like DKB or Commerzbank with student accounts.
3. Prepare required documents
Typical documentation includes:
- Valid passport or national ID
- Proof of enrollment (Immatrikulationsbescheinigung)
- Anmeldung (registered address confirmation)
- For international students: residence permit
- Optionally: proof of income (e.g. payslip, stipend)
4. Apply online or via app
Most providers allow 100% digital applications. Fill in your personal details, upload documents, and confirm your German address. Applications usually take under 15 minutes.
5. Verify your identity
Use VideoIdent (live video call with passport) or PostIdent (visit Deutsche Post with ID). This step is mandatory under German banking regulations (KYC – Know Your Customer).
6. Wait for approval and card delivery
Digital-only cards may be ready instantly. Physical cards usually arrive within 3–7 business days. Some banks may contact you if documents are unclear or incomplete.
7. Activate and start using your card
Follow the instructions provided by your bank or app to activate the card. For prepaid cards, load funds first via SEPA or another accepted method before use.
Understanding Costs and Interest for Student Credit Cards
Student credit cards are designed to be affordable — but that doesn’t mean they’re free of fees. Depending on the card type and provider, you may encounter charges for usage, withdrawals, or late payments. Understanding these costs in advance helps you avoid surprises and pick the most budget-friendly option.
Student credit cards are designed to be affordable — but that doesn’t mean they’re free of fees. Depending on the card type and provider, you may encounter charges for usage, withdrawals, or late payments. Understanding these costs in advance helps you avoid surprises and pick the most budget-friendly option.
Common costs to expect:
- Annual or monthly fees – Many student cards are free, but some charge €1–€3/month for maintenance or physical card issuance.
- Top-up fees – Prepaid cards may charge fees when loading money via credit card or certain payment methods.
- ATM withdrawal fees – Cards often include free domestic withdrawals, but €1–€3 per withdrawal is common if you exceed the free limit or use foreign ATMs.
- Foreign transaction fees – Payments outside the eurozone can cost 1.5%–3% unless the card includes travel benefits.
- Inactivity fees – If the card isn’t used for several months, some providers charge €2–€10/month.
- Card replacement – Lost or stolen cards may incur a replacement fee, usually around €10–€20.
What about interest?
Most student credit cards in Germany don’t offer revolving credit, so interest typically doesn’t apply. Here’s how it breaks down:
- Prepaid cards – No credit, no interest. You can only spend what you load.
- Debit-based cards – Funds are pulled directly from your bank account, so no interest is charged.
- Charge cards – These are repaid in full every month. If you miss the due date, some banks apply overdraft or penalty interest, often between 8%–15% p.a.
Students who qualify for a true credit card (rare) may face standard credit card interest rates if they choose to pay in installments — typically between 12% and 20% APR.
Example: Interest on Student Credit Card (Charge Card with Missed Payment)
| Balance Owed | Interest Rate (APR) | Repayment Delay | Interest Charged | Total Repayment |
|---|---|---|---|---|
| €500 | 15% | 30 days | ~€6.16 | €506.16 |
| €500 | 15% | 60 days | ~€12.33 | €512.33 |
| €500 | 18% | 60 days | ~€14.79 | €514.79 |
Tip: Always check the provider’s Preisverzeichnis (fee schedule) before applying. Many student cards appear free upfront but include hidden fees for specific services.
Pros and Cons of Student Credit Cards in Germany
Pros
- Easy to get – especially prepaid and debit-based cards
- No SCHUFA or income required for basic cards
- Useful for online shopping, travel, and subscriptions
- Helps build financial habits and independence
- Most cards have low or no monthly fees
- Some include virtual cards for instant use
- Available from digital banks with English-language support
Cons
- No real credit line with most student cards
- Limited rewards or cashback compared to full credit cards
- Some cards have top-up fees or inactivity charges
- ATM and foreign transaction fees may apply
- Requires ID verification and registration address (Anmeldung)
- Physical card delivery can take several days
- Not accepted for car rentals or hotel deposits in many cases
Tips for Using a Student Credit Card Responsibly
A student credit card is a great tool — but only if used with care. Misusing it can lead to fees, declined payments, or even future credit problems. Here are simple tips to stay in control, avoid debt, and build good financial habits while studying in Germany.
Stick to a monthly budget
Only spend what you can afford to repay. Treat prepaid or charge cards like cash — not credit — to avoid the temptation to overspend.
Always pay on time
If your card has a repayment schedule (e.g. charge card), set reminders or activate auto-payment to avoid late fees or negative entries on your SCHUFA.
Avoid unnecessary cash withdrawals
Withdrawing cash from credit cards often comes with high fees. Use a regular debit card for ATM access unless your student card offers free withdrawals.
Use it for regular, small purchases
Pay for subscriptions, transport tickets, or groceries to stay active without overloading your budget. This also helps show responsible usage.
Monitor spending via the app
Most providers offer real-time tracking, balance checks, and instant notifications. Use them to detect unusual activity and keep your finances in check.
Don’t apply for too many cards
Each application may leave a mark on your credit profile. One good student card is enough — don’t chase unnecessary upgrades or offers.
FAQ
Frequently Asked Questions
Yes. Most prepaid and debit-based student cards do not require SCHUFA, making them ideal for new or international students.
Yes. Prepaid cards are limited to the loaded amount, and charge cards often have low limits (e.g. €300–€500/month) for budget control.
Yes. You’ll typically need a residence permit, Anmeldung, and passport. Providers like N26 and bunq accept international applicants online.
Only if it’s a charge or revolving card that reports to SCHUFA. Prepaid cards usually don’t affect your credit history.
Yes, but check for foreign transaction fees. Some cards charge up to 3%, while others (e.g. Revolut) offer free international use.