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Eröffung eines Girokontos kostenfrei möglich.

Kosten erstes Jahr
11,88 €
Kosten Folgejahr
11,88 €
Kosten Kreditkarte ab
18 Jahren: 30 €

Eine Karte mit NFC-Chip, der für Kontaktloszahlungen nötig ist, kostet 10 Euro.

Abos blockiert
14 Jahre
Schufa Prüfung
Online Beantragung möglich
Online Vertragsabschluss möglich
Postalische Beantragung zwingend
Postalischer Vertragsabschluss zwinged
Beantragung über Dokumentenübermittlung
Beantragung in Filiale zwingend
Identität des Antragstellers und des Kindes erforderlich


  • bunq
    Kosten pro Jahr
    Kosten beziehen sich auf das erste Jahr und können im Folgejahr variieren
    Kinder Kreditkarten sind oft nur mit Einverständnis einer erziehungsberechtigten Person über 18 Jahre erhältlich.
    0 Jahre
    • sustainable investment
    • bank account with German IBAN
    • no interest or annual fees

    The Prepaid Card for Young Adults from Targobank

    Targobank offers teenagers aged 14 and older a secure and easy way to manage the money they receive from parents or other family members weekly or monthly with their prepaid credit card. Young adults can learn to handle money responsibly and explore a variety of payment options without losing control of their financial planning.

    What is a Prepaid Card?

    A prepaid credit card is a special type of credit card where users must load money onto the card before they can use it. Unlike traditional credit cards, where users receive credit from the card company and repay debts later, a prepaid credit card operates on a balance basis. This means that only the amount of money currently on the card can be spent. This has the advantage that there are no interest charges or debts for teenagers to repay. With a prepaid credit card, guardians can ensure that their children stay within a set budget.

    How Much Does the Targobank Prepaid Card Cost?

    Minors aged 14 and older pay only €0.99 per month for the Targobank prepaid card. Unlike other providers' children's credit cards, this card can continue to be used after the age of 18. However, the fees then increase to €30 per year.

    Free Card with Account

    For all young adults aged 14 and older, Targobank offers the Starter Account. The advantage of opening this account is that teenagers receive a free Girocard. A card with an NFC chip, necessary for contactless payments, costs €10.

    Card Features at a Glance

    The Targobank prepaid card for young adults offers a variety of flexible payment options and functions similar to a regular credit card. Below are the key details:


    As previously explained, the Targobank prepaid card is a balance card. The card must be loaded with money before use. Therefore, it is necessary to have an existing Girokonto (checking account) linked to the card, through which it can be topped up. The top-up can be conveniently done via online banking with a standing order or immediate transfer.

    Payment Functions

    As the Targobank prepaid card is a Visa, it is accepted wherever Visa is supported. Like a regular credit card, it can be used to pay in stores, withdraw cash from ATMs, and make online payments. Online banking with the app also allows for quick and convenient transfers of amounts.

    Use Abroad

    The card can be flexibly used abroad wherever Visa is accepted. Cash withdrawals from Targobank ATMs within Europe are free. For all other withdrawals, there is a foreign currency fee of 3.5%, with a minimum of €5.95 per withdrawal. For foreign currency transactions, a fee of 1.85% of the transaction amount is charged.

    Management and Security

    Targobank's online banking and prepaid card are protected by numerous security measures. In addition to standard security features like PINs and passwords, Targobank also implements customized security precautions. For example, online purchases are protected by the 3D-Secure process with a TAN. Additionally, the account SMS service can be activated for free, informing cardholders of suspected fraud or transactions over €5.

    At What Age Can You Get the Targobank Prepaid Card?

    Teenagers aged 14 and older can use the Targobank prepaid card.

    How Much Does the Targobank Children's Credit Card Cost?

    Targobank offers a prepaid card for teenagers up to 18 years old for €0.99 per month.

    How Do You Top-Up the Targobank Prepaid Card?

    The card can be topped up from an existing Girokonto conveniently via online banking with a standing order or immediate transfer.

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