The Young Visa children's credit card from Commerzbank 2024 in a test!  

In an increasingly cashless world, it is more important than ever that children learn how to handle money and modern payment methods at an early age. Commerzbank's Young Visa children's credit card offers parents a safe and controlled way to teach their children how to use a credit card and mobile payment responsibly. 

Discover all aspects of the card for children in our article, including its benefits, features, costs and security features, so you can make an informed decision!

The Young Visa children's credit card from Commerzbank is an offer specially developed for minors (but also young adults) that enables parents to provide their children with a credit card that has special security and control functions. It is intended for pupils, students, trainees, interns, volunteers and those doing basic military or civilian service.

The card is available in combination with the ‘StartKonto’ current account for children with a minimum monthly cash inflow of €300. 

This card can be used both online and offline and offers an excellent opportunity to teach children and young people how to use a credit card without the risks of a traditional credit card.

Alternatively, the Commerzbank prepaid card also offers a secure way for children and young people to make payments. 

A safe introduction to handling money: The Young Visa children's credit card enables children to learn how to handle money and credit cards in a safe environment. The spending limits set by the parents ensure that the child cannot spend more than agreed in advance.

Online shopping: The Young Visa card allows young people to gain their first experience of responsible online shopping in a controlled manner. 

Parental control: Parents have full control over their children's spending through online banking and the Commerzbank app. They can set limits, view transactions and block the card in an emergency.

Budget planning: The card enables young people to plan and manage their own budget. This is an important step towards financial independence and a sense of responsibility.

Worldwide acceptance: One of the greatest strengths of the Young Visa children's credit card is its worldwide acceptance. Whether on holiday or on an exchange programme abroad - the card can be used almost anywhere Visa is accepted.

Below you will find all the fees you should be aware of: 

Annual fee: No fee is charged for the Young Visa children's credit card in combination with the starter account. 

Transaction fees: There are no additional fees for purchases and transactions within Germany. Exchange rate fees may apply for purchases abroad. These amount to 1.75 % of the transaction amount outside the euro zone. 

Fees for cash withdrawals in Germany and abroad: These amount to 1.95% of the transaction amount. At the counter, 3% of the amount is charged. 

Interest on instalment payments: If parents decide to use the instalment payment option, fixed interest will be charged depending on the amount of the payment. (More on this in the next section)

Card replacement fee: If the card is lost and needs to be replaced, a card replacement fee will be charged. This is between 10 and 20 euros, depending on the urgency and cost of the replacement.

From €200, the bill can be divided into three equal monthly instalments. However, fixed interest amounts are charged for this:

This children's credit card is particularly characterised by its high compatibility with payment providers such as ApplePay, Google Pay or Swatch Pay. This means you or your children can simply pay with your mobile phone without having to worry about losing the physical card. 

The Young Visa card is also ideal for use abroad. It is accepted worldwide and enables young people to pay securely and conveniently, whether they need to shop or withdraw money abroad. 

Two-factor authentication: For online purchases, the Young Visa card is additionally secured by two-factor authentication. This means that in addition to the card details, a further security feature, such as an SMS code, is required to finalise the transaction.

Blocking the card: If the card is lost or stolen, parents can have it blocked immediately by the 24-hour emergency service. This can be done either via online banking, the Commerzbank app or by calling the Commerzbank hotline.

photoTAN app: Commerzbank uses one of the latest verification standards. With the free photoTAN app, you can quickly and easily confirm that you are a Commerzbank customer. You will also need this to activate the card. 

The Young Visa children's credit card can be applied for by children and young people aged 7 to 27. Up to the age of 18, however, it is a prerequisite that the child has a ‘starter account’ with Commerzbank. Parents must apply for the card as legal representatives and are also responsible for adhering to the set limits.

Applying for the Young Visa children's credit card is straightforward and can be done either online via the Commerzbank website or in one of the many branches.

You can set a limit for yourself or your child to prevent the credit card from being overdrawn. This also prevents possible misuse of the card.

To adjust this, you can change the limit at any time under ‘Card management’ in the app or on the website. 

If you prefer to apply for a credit card in a branch, you can also use the Commerzbank branch search instead of Google Maps. If you share the location on your device, the site will automatically search for suitable branches and ATMs in the vicinity. 

Here you will also find information such as the respective opening hours, the address and whether there is barrier-free access. 

The Commerzbank Young Visa children's credit card receives mixed reviews on comparison sites such as cardscout and kreditkarten.com. Overall, it has a rating of 3 to 3.5 out of 5. 

The fee-free use within the eurozone and, above all, the simple integration into mobile payment systems such as Google Pay are positively emphasised. The lack of insurance benefits, for example, is criticised. It is a solid choice for young people who mainly make cashless payments.

There are several ways to cancel a credit card with Commerzbank: 

Commerzbank has a 24-hour emergency hotline that you can call on 069 5 8000 8000 if you have any problems. If you don't want to wait for an answer to the contact form, you can also book an appointment for any questions via www.commerzbank.de/termin. 

The Young Visa children's credit card from Commerzbank is a good choice for parents who want to teach their children how to handle money responsibly. The card offers numerous security and control functions that benefit both parents and children. With clear limits, worldwide acceptance and easy management via the Commerzbank app, it is a useful tool for the financial education of children and young people.

Although some fees apply, the Young Visa card is a cost-effective solution that can help instil a healthy sense of financial responsibility in children and young adults in the long term. 

Parents who value financial education and want to ensure that their child is well prepared for the future should therefore consider the Young Visa children's credit card.

If you are interested in the Commerzbank prepaid card as an alternative, you are also welcome to discover our test!