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THE Postbank Visa Card It is an excellent option for those who live in Germany and are looking for a practical, secure and internationally recognized credit card.
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With free annual fees for the first year, digital features, and the support of one of the most traditional banks in the country, Postbank Visa combines the best of banking tradition with the convenience of the digital age.
✅ Step by Step Guide to Applying for a Postbank Visa Card
1. Open a current account at Postbank
The Visa card is exclusive to bank customers. To apply, you must open a checking account (Postbank Girokonto), which can be done online or in person at a branch.
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📌 Tip: The account can be opened digitally with video identity verification (Video-Ident).
2. Access your account and go to the cards section
After activating your account, log in to Postbank Banking & Brokerage (via browser or app) and go to the cards tab (“Kreditkarten”).
3. Choose the Visa Classic card
The Postbank Visa Card Classic offers a fee waiver for the first year. Click "Apply now" to start the process.
4. Fill in your details and send the documents
Enter your personal, professional, and financial details in the digital form and attach the requested documents.
5. Perform identity verification
Validation can be done via video call (Video-Ident) or in person at a Postbank branch with a valid identity document.
6. Wait for approval and the card to be sent
After reviewing your profile, the card will be approved and shipped to your address in Germany. The average delivery time is 5 to 10 business days.
📄 Documents Required for Application
Have the following documents ready to expedite your application:
- Valid identity document (Passport or Personalausweis)
- Proof of residence in Germany (Anmeldung or official correspondence)
- Steuer-ID (German tax identification number)
- Proof of income (recent payslip, employment contract or bank statement)
This information is used for identity verification and credit analysis with Schufa.
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💰 Postbank Visa Card Fees and Conditions
- Annuity: Free in the 1st year
- From the 2nd year onwards: Standard fee of approximately €29.00 (with the possibility of exemption upon use or linked account)
- Shopping abroad: Conversion rate of ~1.85%
- Credit card withdrawals: There may be an additional cost depending on the location or ATM.
- Invoice installment: Available for some profiles (with interest applied)
📱 Digital Features
- Full access via the Postbank Banking & Brokerage app
- Compatible with Apple Pay and Google Pay
- Two-factor authentication (2FA)
- Real-time notifications
- Virtual card available for immediate use in online purchases
Postbank Visa: Security and Convenience with German Tradition
THE Postbank Visa Card It is a practical solution for those who want flexibility in their daily lives and security when traveling internationally.
You have at your disposal:
- An efficient credit card
- In-person support at various branches in Germany
- A modern digital system for full control via smartphone
If you're looking for a card with real benefits, a free first-year fee, and the reliability of a traditional German bank, the Postbank Visa is the ideal choice for your finances.