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The Vereinsbank Visa Card, offered by UniCredit Bank, is an excellent choice for those living in Germany looking for a credit card with international acceptance, digital management via an app, and the backing of one of Europe's largest banks.
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Ideal for those who want practicality in their daily lives and security when traveling or shopping online, the UniCredit Visa card combines banking tradition with modern technology.
Step by Step Guide to Applying for a Vereinsbank Visa Card
- Open an account with UniCredit (Vereinsbank)
To apply for the card, you must be a current account holder. You can open your account directly through the UniCredit Bank website or at one of the physical branches located throughout Germany.
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📌 Tip: The opening process can be 100% online, with digital identity verification.
- Access your account and go to the cards section
Once your account is approved, access internet banking or the UniCredit app and look for the credit card section (“Kreditkarten”). - Choose the Visa Classic card
Select the Vereinsbank Visa Classic option, with the annual fee waived for the first year, and click “Jetzt beantragen” (Apply now). - Fill out the application form
Enter your personal, professional, and financial information. This information will be used for credit analysis and to determine your initial credit limit. - Perform identity verification
Authentication can be done via Video-Ident (video call with your document) or in person at a branch. - Wait for the analysis and sending of the card
After verification and approval, your card will be mailed to you. Typical delivery times are 5 to 10 business days.
Documents Required for Application
To ensure your application is approved quickly, please have the following documents ready:
- German passport or identity card (Personalausweis)
- Proof of residence in Germany (Anmeldung or official correspondence)
- German tax number (Steuer-ID)
- Proof of income (employment contract, recent payslip or bank statements)
These documents are used to validate your identity and carry out the credit check with Schufa (German credit agency).
Vereinsbank Visa Card Fees and Conditions
- Annuity: Free in the 1st year
- From the 2nd year onwards: Annual fee of approximately €39.00, with the possibility of exemption (minimum monthly usage or linked Premium account)
- Shopping abroad: Exchange rate approximately 1.75%
- Withdrawals at ATMs: Additional charges may apply.
- Invoice installment: Available according to contract and individual analysis
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Digital Features
- UniCredit Bank app for controlling expenses, invoices and limits in real time
- Compatible with Apple Pay and Google Pay for contactless payments
- Two-factor authentication (2FA) for greater security when shopping online
- Instant transaction notifications
- Virtual card available for immediate use in online purchases
Vereinsbank Visa Card: A Smart Choice with Complete Service
The Vereinsbank Visa Card offers a powerful combination of security, convenience, and comprehensive support—ideal for anyone who wants a card that works well for everyday use, travel, and online shopping.
With the backing of a traditional bank like UniCredit, you can count on in-person service, modern digital support, and the reliability of one of Europe's largest financial institutions.
If you want a card with international acceptance, no fees for the first year, and full control via your cell phone, the Vereinsbank Visa is an excellent option for your financial life in Germany.