Customer support
24/7 Customer support
Educational concept
Online Banking
Instant money transfer
Cash withdrawal
Customizable cards
Real Time Updates
Costs first year
0,00 €
Costs for subsequent years
17,50 €
Costs additional card
6,00 €
Foreign currency fee
Spending limit
Subscriptions blocked
Parental control
Minimum age
12 Years
Credit check
Application only by legal guardians
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
Bank account required


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    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.
    0 Years
    Card type
    Card system
    • Sustainable investment
    • Bank account with German IBAN
    • No interest or annual fees

    The Volksbank credit card for kids

    Volksbank offers children from the age of 12 the BasicCard as an alternative to a regular credit card. The BasicCard is a prepaid card that allows children and teenagers to gain their first experiences with money management. In our overview, you will find all the important information about the card.

    The credit card types for youths and children from Volksbank

    When ordering a BasicCard, the card alternative for children and teenagers from Volksbank, you can choose between a Visa or Mastercard. Since it is a prepaid card, ordering requires linking it to another account. For children or teenagers, the card will be linked to the guardian's checking account.

    How much does the BasicCard from Volksbank cost?

    For children and teenagers aged 12 and older, Volksbank offers the BasicCard free of charge for the first year. After this “trial period,” a fee of €17.50 per year applies for usage.

    How to activate and order the Volksbank children's credit card

    Activating and ordering the Volksbank prepaid card is very simple. If a card is to be applied for children and teenagers, a guardian must already have an account with Volksbank to which the children's card can be linked.

    The card can be conveniently ordered via the Volksbank website or at a branch. You will then receive all the important PINs and the activation code for secure online shopping by mail.

    Card functions at a glance

    Like a “regular” credit card, the Volksbank prepaid BasicCard offers a variety of payment options and functions that children and teenagers can benefit from. Below we have compiled the key information for you.

    What is a prepaid card?

    A prepaid card operates on a balance basis. This means that the card must be loaded with a certain balance before use. Only the amount deposited on the card can be spent. This is particularly advantageous for children and teenagers, as it teaches them how to manage money without the risk of falling into debt or losing track of their expenses.

    Loading the Volksbank prepaid card

    The BasicCard can be loaded by transferring the desired amount to the individual IBAN of the credit card account. This can be done as an instant transfer or standing order. The amount is available about an hour after the transfer. The loading limit is a maximum of €2000.

    Various payment options

    The Volksbank BasicCard allows you to make cashless payments worldwide at merchants that accept Mastercard or Visa cards and perform an online balance check. This includes hotels, restaurants, gas stations, department stores, and online shopping.

    The card can also be used for online payments and supports apps like Apple Pay. (Google Pay is currently not supported). Additionally, children and teenagers can withdraw cash worldwide from millions of ATMs or bank counters that accept Mastercard and/or Visa.

    At what age can you get the Volksbank prepaid credit card?

    The Prepaid BasicCard is not just a children's credit card, unlike other providers. The prepaid card is also intended for adults but is suitable for teenagers aged 12 and older, as guardians can control the amount of money on the account. Young adults under 27 also pay reduced fees for using the account and card.

    Fees and payment options abroad

    The Volksbank credit card for children and teenagers can be used worldwide wherever Visa or Mastercard is accepted. However, fees often apply in non-EU countries. For credit card payments in foreign currencies, a fee of 1.90% of the transaction amount applies. Currency conversion for foreign currencies is included in the service.

    How much does the Volksbank children's credit card cost?

    The Volksbank BasicCard costs €17.50 per year for young adults and children under 27 years old.

    From what age can you use the BasicCard?

    The Volksbank BasicCard can be used by children and teenagers from the age of 12.

    How can you load the Volksbank children's credit card?

    The card can be loaded either via standing order or a simple instant transfer. The loading limit is a maximum of €2000.

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