This guide provides clear steps for applying for a Postbank Mastercard. Knowing what to expect helps you avoid mistakes and delays.
You’ll learn the key requirements, what to prepare, and how the process works. This article gives you exactly what you need—nothing more, nothing less.
Main Benefits of the Postbank Mastercard
The card gives you secure payment options in stores and online. You can use it worldwide, wherever Mastercard is accepted.
It includes basic fraud protection for lost or stolen cards. You get access to online banking to check and manage your spending.
Some versions of the card allow for contactless payments. If managed well, it can also build your credit history.
Who Can Apply?
To get the card, you must meet some basic requirements, including age, income, and having a bank account in Germany.
Age and Income Rules
You must be at least 18 years old to apply. In Germany, that’s the legal age to enter a credit contract.
You also need a regular income, such as a salary or pension. There’s no public fixed income limit, but Postbank checks your financial stability.
Students or those without steady income may not qualify. A credit check is always part of the process.
What Documents You Need?
Postbank asks for a few essential papers to confirm your identity and income. Have these ready before you start the process:
- Valid ID (like a passport or German ID card)
- Proof of address (such as a recent utility bill or rental contract)
- Proof of income (pay slips from the last 2–3 months)
- Bank account details (if not already with Postbank)
- Credit report (Postbank usually checks this through Schufa)
How to Apply for the Card?
You can apply online or in-person at a Postbank branch. The steps are simple, but you need to be accurate and prepared.
Steps to Apply – Online or In Branch
Here’s what to expect in both ways:
- Visit the Postbank website or go to a nearby branch
- Choose the Mastercard version you want
- Fill in your personal and financial information
- Upload or present the required documents
- Submit the form and wait for a credit check
- If approved, you’ll get the card by mail within days
Details in the Application Form
The form asks for basic personal info like name, address, and birthdate. You’ll need to enter your employment details and monthly income.
They also ask about your current expenses, such as rent or loans. You may need to agree to a Schufa credit check.
It’s important to answer honestly and clearly. Mistakes or missing information can delay or block your request.
How Does Postbank Check Your Credit?
Postbank runs a credit check to see if you’re likely to repay. They use your data and your Schufa score to decide.
How Credit Scoring Works?
Credit scoring looks at your past financial behavior. Schufa provides a score from 0 to 100, where a higher score is better.
Missed payments or too many loans lower your score. A clean record with few debts helps you get approved faster.
Postbank uses this score to assess risk. Even if you’re declined, it doesn’t always mean your score is bad.
What Affects Your Approval – And How to Improve It?
Before applying, take these steps to improve your chances:
- Check your Schufa score and correct any errors
- Keep your bank account in good standing
- Avoid applying for many loans or cards at once
- Pay your bills on time, every time
- Keep your income stable and well-documented
- Make sure all documents are updated and complete
Interest Rates and Fees
Before getting the card, it’s important to understand how fees and charges work. You need to look at both the yearly costs and transaction fees.
Rates for Purchases, Cash, and Balance Transfers
Postbank charges 2.50% on ATM withdrawals with a minimum of €5.00. Withdrawals at the bank counter cost 3%, with a €5.00 minimum.
ATM withdrawals abroad are free if you have a Giro extra plus account. You can take out up to €1,000 per day.
There are no special balance transfer rates listed. You need to check your card type agreement for the exact interest on purchases.
Yearly Fees and Extra Charges
The yearly fee for the main card is €29.00. An additional card costs €15.00 per year.
If you open a Giro plus account, the first year is free, then it returns to €29.00. With a Giro extra plus account, the yearly fee can be €0.00.
Late fees or foreign transaction fees are not clearly listed, so always check the terms. Make sure you read the full fee breakdown before applying.
Benefits and Features
Postbank Mastercard offers some basic perks. These are meant to make daily use and travel a bit easier.
Reward Deals, Travel, and Mobile Extras
The card supports mobile payments via Google Pay and Apple Pay. You get access to a partner discount program, which can give you lower prices at selected shops.
There’s also a travel service, useful for bookings or travel advice. Online tools let you check your card usage and limits.
The Mastercard also includes purchase insurance for eligible items. These benefits are useful if you travel or shop often.
Card Safety and Alerts
The card has fraud protection if it’s lost or stolen. You can set up notifications for every transaction.
You can block the card quickly through the app or online if something looks wrong. 24/7 service is also available to help with any card problems.
Postbank uses secure login systems to protect your account. These features give you basic control and protection without needing extra tools.
Contact Information for Postbank Support
For help with loan inquiries, you can call Postbank at +49 228-920-0. If you prefer in-person assistance or need to send documents, use this address: Friedrich-Ebert-Allee 114–126, 53113 Bonn.
The customer service team can help with card issues, account questions, or loan support. Make sure to have your account details ready when calling.
The Bottom Line on Applying for a Postbank Mastercard
This guide explains how to apply for a Postbank Mastercard, including the steps, requirements, and fees involved.
Make sure all your documents are ready and your credit record is clean. Apply only when you’re fully prepared to avoid delays or rejections.
Disclaimer: Details can change, so always check with Postbank before applying. This guide is for informational use only.
