Customer support
24/7 Customer support
Educational concept
Online Banking
Instant money transfer
Customizable cards
Real Time Updates
Costs first year
69,90 €
Costs for subsequent years
19,90 €
Costs additional card
10,00 €
Foreign currency fee
Spending limit
Subscriptions blocked
Parental control
App with separate interface for parents and children
Minimum age
18 Years
Credit check
Online application possible
Online contract conclusion
Postal application mandatory
Postal contract conclusion mandatory
Application via document submission
Application in store mandatory
Identity of applicant and child required


  • Targobank
    Costs first year
    Costs refer to the first year and may vary in the following year
    Minimum age
    Children's credit cards are often only available with the consent of a legal guardian over 18 years of age.
    14 Years
    Card type
    Card system
    • From €0.99 per month
    • Additionally a free current account
    • Free mobile debit notification

    (This card is not longer available)

    Prepaid credit card with online account and IBAN – Not just for kids

    Even in an increasingly digital world, prepaid credit cards remain a practical option for many consumers. They offer the flexibility and security of a credit card without the risks of debt or high interest rates. One such prepaid credit card is offered by Viabuy, an online company specializing in user-friendly financial solutions. Although you can't buy this card at a gas station like some other models, it can be ordered quickly and easily online.

    After opening an online account with an IBAN at Viabuy, consumers receive a corresponding prepaid Mastercard, which is easy to load.

    Apply for a credit card in under 8 minutes

    Opening an account and applying for a Viabuy prepaid credit card is a simple and straightforward process that Viabuy claims takes less than 8 minutes. On the Viabuy website, click on "Open Account". Then fill out the online application form, providing personal information such as name, address, and contact details.

    Next, verify your identity by uploading a copy of your ID or passport and proof of address. After verification, you will receive your personal Viabuy IBAN (International Bank Account Number).

    Once the account is opened, you can apply for the prepaid credit card and the corresponding card type directly in the Viabuy account. Then, you need to load money onto the prepaid credit card.

    After successfully loading the Viabuy prepaid credit card, it will be delivered to the provided address within a few business days. It can then be activated and used immediately for online and offline payments.

    Fees and interest rates

    The Viabuy prepaid credit card is a transparent and easy-to-understand financial solution without a checking account. Here is an overview of the fees and interest rates associated with this card:

    • Card Issuance and shipping: The one-time fee for issuing and shipping the Viabuy prepaid credit card is €69.90.
    • Monthly account maintenance fee: Viabuy charges a monthly account maintenance fee of €1.95.
    • Deposit fees: If you want to deposit cash onto your Viabuy card, fees may apply. The exact amount depends on the deposit method. Transfers in euros to your Viabuy account are free.
    • Currency conversion fees: For transactions in foreign currencies, a currency conversion fee of 2.75% of the transaction amount is charged.
    • ATM withdrawal fees: Fees may apply when withdrawing money from ATMs. The exact amount varies depending on the ATM and location. It is advisable to use local ATMs with the Viabuy logo to minimize fees.
    • Inactivity fee: If you do not use your Viabuy card for an extended period, an inactivity fee of approximately €9.90 per month may apply.
    • No interest on balance: Unlike traditional credit cards, Viabuy does not pay interest on the balance on your account, as it is a prepaid card.

    It is important to note that Viabuy's fees and conditions can change over time. Therefore, it is advisable to check the current fees on the official Viabuy website before deciding on the card. Despite the fees, the Viabuy prepaid credit card offers a convenient and secure way to make cashless payments worldwide.

    Limits - Is everything safe with prepaid?

    The Viabuy prepaid credit card offers users limited liability and clear limits. As it is a prepaid card, liability in case of card loss or theft is limited to the preloaded balance. You cannot accumulate debt, as the card does not provide a credit line. Additionally, there are daily and monthly limits for withdrawals, transactions, and deposits, which can vary depending on the card status and verification. It is important to review the specific terms and limits for your Viabuy card in the general terms and conditions to plan and manage the card's usage optimally.

    Who is the card suitable for?

    The Viabuy prepaid credit card is suitable for a wide range of users. It offers a well-controlled and secure payment option, especially for children. Travelers appreciate its worldwide acceptance abroad and the ability to pay in different currencies. Online shoppers find it a secure way to make purchases on the internet without exposing their sensitive bank details. People without a strong credit history can use this card as it does not require a credit check and can be applied for immediately without a Schufa check. The Viabuy prepaid credit card is also a good choice for those who value discretion in their financial transactions and want to ensure they only spend what they have previously loaded.

    Additionally, the card is suitable for people with limited or irregular income, as it does not have minimum income requirements for application. In the case of personal insolvency, the security against garnishments that the Viabuy card offers can be extremely helpful.

    Easy and secure money movements

    With the Viabuy prepaid credit card, you can move money in various ways. You can deposit money onto your card either via transfer or by cash deposit at selected locations. You can also use the card to pay in stores worldwide or withdraw cash from ATMs. Additionally, the card allows for online transactions and transfers from your Viabuy account to other accounts.

    Stay in control with the app

    The Viabuy app is a mobile application that allows cardholders to manage their finances conveniently from their smartphones. With the app, you can check your card account, track transactions in real-time, and make payments. It also offers a feature to manage limits and view fees as well as notifications for financial activities.

    Load your card anytime, anywhere

    You can load your prepaid credit card anytime and from anywhere by transferring money to your Viabuy account. This can be conveniently done online from your bank account. There is also the option to deposit cash at selected locations.

    Digital security for your money

    Money with Viabuy is considered secure since the prepaid credit card is not linked to a bank account and thus does not provide a direct target for unauthorized access. Additionally, Viabuy offers a secure online platform with encryption and security measures to protect users' financial transactions. Viabuy also has liability limitation mechanisms in place that limit financial risk to the preloaded balance in case of card loss or theft.

    Pros and cons of the prepaid credit card


    • No credit check required: No credit check, minimum income, or Schufa is required to apply for the Viabuy card.
    • Worldwide acceptance: The Viabuy card is accepted worldwide, allowing you to pay in different currencies and withdraw cash from ATMs.
    • Security: As it is not linked to a bank account, the card provides additional security against unauthorized access and allows better control over your finances.
    • Budgeting and control: You can only spend what you have previously loaded, making the card an excellent tool for budgeting and financial control.
    • Discretion: The Viabuy card allows for discreet financial transactions, protecting your personal bank details, especially when shopping online.
    • Speed: The credit card is shipped 24 hours after ordering.


    • Fee structure: The Viabuy card may incur fees for card issuance, monthly account maintenance, currency conversions, and cash withdrawals, which can increase the overall usage costs.
    • No credit line: Unlike traditional credit cards, the Viabuy card does not offer a credit line, meaning you can only access what you have loaded.
    • Deposit fees: Fees may apply for certain deposit methods, potentially adding to costs.
    • Limits: The Viabuy card sets certain limits for transactions and withdrawals, which can vary depending on card status and verification.
    • Inactivity fee: If you do not use the card for an extended period, an inactivity fee may apply.
    • Limited balance security: Although the card provides security against unauthorized access, the loaded balance is not protected by deposit guarantees like traditional bank accounts.

    How Can I Apply for the Viabuy Prepaid Credit Card?

    To apply for the Viabuy prepaid credit card, visit the official Viabuy website, fill out the online application form, and verify your identity by uploading identification documents. After successful verification, you can apply for the card, which will be sent to you after depositing the desired card balance.

    Does Viabuy Affect My Credit Score?

    No, the Viabuy prepaid credit card does not affect your credit score as it does not offer a credit line and does not report to credit bureaus. Your credit score will not be impacted by using this card.

    What is the Difference from a Regular Credit Card?

    The main difference between a regular credit card and a Viabuy prepaid credit card is that the latter does not have a credit line. With the Viabuy card, you can only spend the balance you have previously loaded, whereas a regular credit card provides a credit limit that you must repay.

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