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THE Targobank Classic Visa Card is an excellent option for those who live in Germany and are looking for a credit card with easier access to credit, in-person service and full digital control.
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If you want a card with installment purchases and international acceptance, the Targobank Visa may be the ideal choice. Below, we explain step by step to request it and the main information what you need to know before ordering yours.
✅ Step by Step Guide to Requesting the Targobank Classic Visa Card
1. Visit the official Targobank website
Go to the official Targobank website and select “Credit Cards” in the menu. Then choose the model “Classic Visa” and click on “Jetzt beantragen” to start the application process.
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2. Fill out the form with your details
Enter the following information:
- Personal: name, address, nationality
- Professionals: employment, monthly income
- Bankers: if you have an account with Targobank, please also inform us
3. Identity verification
Verification can be done in two ways:
- Video-Ident: video verification
- PostIdent: in person at a Targobank or Post Office branch
Have yours on hand passport or official document with photo.
4. Digitally sign the contract
After submitting the documents, you can sign digitally the contract and wait for approval.
5. Receive the card at home
After approval, the card will be sent to your registered address, usually in 5 to 10 business days.
📄 Documents Required to Apply for the Targobank Classic Visa Card
- Valid identity document: Passport or Personalausweis (German identity document)
- Proof of residence in Germany: Anmeldung (address registration)
- German tax number (Steuer-ID)
- Proof of monthly income: recent payslip, employment contract or bank statement
Important: Targobank will perform a credit analysis (Schufa). Therefore, it is essential to maintain your up-to-date financial data.
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💰 Targobank Classic Visa Card Fees and Conditions
- Annuity: €30 per year
- Promotional exemption: In some cases, the first year may be free, depending on campaigns or your customer profile.
- ATM withdrawals:
- Within Germany: €3.50 per withdrawal (except at Targobank ATMs, where they may be free).
- Shopping outside the euro zone:
- Currency conversion rate: 1.85% on the transaction value.
- Invoice installment (revolving credit):
- Fees: from 13,62% per year (interest varies according to credit analysis and customer conditions).
📱 Digital Features
- Targobank Mobile App: available for iOS and Android, you can track your balance, limit, installments and invoices in real time.
- Two-factor authentication: to ensure security in your online purchases, with technology Visa Secure (3D Secure).
- Virtual card: Use the virtual card for online purchases before receiving the physical card.
- Service: available via chat, telephone or physical agencies.
🏁 Conclusion
THE Targobank Classic Visa Card is a traditional credit card focusing on affordable credit and in-person service, ideal for those looking for installment purchases, digital security and practical control.
With online application 100%, service in more than 300 agencies and modern security and digital management features, the Targobank Classic Visa is an excellent choice for those looking for a model hybrid between digital and traditional bank.