1822direkt Visa Credit Card – Discover How to Apply and Save

The 1822direkt Visa Credit Card is a practical option for anyone in Germany seeking a secure and fee-friendly way to pay. 

Linked to your 1822direkt current account, it offers global acceptance and innovative digital features. 

This guide shows you how to apply online and maximize the savings benefits.

What Is the 1822direkt Visa Credit Card?

The 1822direkt Visa Credit Card is a standard credit card linked directly to your 1822direkt checking account. 

As part of the global Visa network, it’s accepted worldwide for both in-store and online transactions. 

You can use it for everyday purchases, travel expenses, and secure online shopping.

Key Features and Benefits

The 1822direkt Visa Credit Card comes with valuable features for everyday spending and travel. 

Here are the key benefits you can expect:

• No Annual Fee: The card is free when used at least once per month; otherwise, a small fee may apply.
• Global Acceptance: Use it at millions of merchants and ATMs worldwide through the Visa network.
• Mobile Payments: Fully compatible with Apple Pay and Google Pay for contactless transactions.
• High Security: Equipped with 3D Secure, real-time alerts, and fraud protection tools.
• Linked to Your 1822direkt Account: Easily manage payments and card settings through your online banking or mobile app.
• Flexible Use: Ideal for everyday purchases, online shopping, and travel-related expenses.
• Optional Cash Withdrawals: Free withdrawals are possible within Germany under specific conditions.
• Digital Card Available: Instant access via mobile app while waiting for your physical card.

Fees and Interest

Here’s a clear breakdown of the fees and interest associated with the 1822direkt Visa Credit Card:

• Annual Fee: €25 per year if your annual card spending is below €2,000. If you spend €2,000 or more annually, the fee is waived.
• Foreign Transaction Fee: 1.5% applies to purchases made in non-Euro currencies.
• Interest Rate: If you carry a balance, an interest rate of 10.61% p.a. applies.
• Overdraft Fee: If you use your linked checking account’s overdraft facility, the same interest rate of 10.61% p.a. applies.

ATM Withdrawals:

• Free at Sparkasse ATMs in Germany.
• Outside the Eurozone, withdrawals may incur fees depending on the ATM operator.

Requirements to Apply

To apply for this card, you need to meet specific eligibility criteria. 

These requirements ensure that applicants have a stable financial background and are capable of managing credit responsibly.

• Age and Residency: You must be at least 18 years old and a resident of Germany.
• 1822direkt Checking Account: An active 1822direkt checking account is required, as the Visa Credit Card is linked directly to this account.
• Creditworthiness: A positive credit history is essential. 1822direkt will assess your creditworthiness, which may include a check with credit agencies.
• Income Verification: Proof of a regular income is typically necessary to demonstrate your ability to repay credit.
• Identification: You must complete an identity verification process, such as VideoIdent or PostIdent, to confirm your identity.

Step-by-Step: How to Apply Online

Applying for the 1822direkt Visa Credit Card is a straightforward process that can be completed entirely online. 

Whether you’re an existing customer or new to 1822direkt, follow these steps to get started:

1. Open Account: Visit the official website and apply for a free checking account.
2. Verify Identity: Confirm your identity using VideoIdent via webcam or PostIdent at a post office.
3. Log In: Once your account is approved, log in to the online banking platform.
4. Apply for a Card: Navigate to the “Cards” section, choose the Visa Credit Card, and complete the form.
5. Receive Card: Your physical card and PIN will be sent to your registered address in separate letters.
6. Activate: Use the online portal to activate your card and begin using it for purchases or mobile payments.

Tips to Increase Approval Odds

To boost your chances of approval, prepare carefully. Small steps can improve how your application is reviewed. Here are quick tips to help:

• Maintain a Good Credit Score: Ensure your Schufa credit history is accurate and up to date.
• Limit Recent Credit Inquiries: Avoid applying for multiple loans or credit cards within a short period before submitting your application.
• Provide Accurate Information: Double-check that your personal and financial details are complete and correct.
• Show Proof of Stable Income: Upload recent payslips or income statements to confirm financial stability.
• Use an Active 1822direkt Account: Having regular activity in your checking account helps build trust with the bank.
• Avoid Overdraft or Negative Balances: Keep your account in good standing before applying.

Card Limits and Usage Controls

The 1822direkt Visa Credit Card gives you control over how much you spend and how your card is used. 

You can adjust settings easily through online banking or the mobile app. Here are the key options for managing limits and usage:

• Monthly Spending Limit: Set or request changes to your monthly credit limit based on your income and credit profile.
• Per-Transaction Limits: Set a limit on the amount that can be charged in a single transaction for added control.
• Online Purchase Controls: Enable or disable online transactions anytime for extra security.
• Cash Withdrawal Limits: Adjust the daily or monthly withdrawal limit at ATMs.
• Temporary Card Blocking: Instantly block or unblock your card via the app if lost or not in use.
• Push Notifications: Get alerts for each transaction to monitor usage in real time.

How You Save With This Card

The card offers several ways to help you cut costs on everyday spending and travel. 

By using the card smartly, you can avoid standard fees and take advantage of built-in savings features. Here’s how you can save with this card:

• No Annual Fee with Use: The card stays free if you make at least one purchase per month.
• Free ATM Withdrawals: Withdraw cash at Sparkasse ATMs in Germany without a fee.
• No Fees Abroad (in Euros): Use the card in Eurozone countries with no foreign currency fee.
• Mobile Payment Discounts: Occasionally, benefit from Apple Pay or Google Pay promotions.
• Visa Network Offers: Access occasional discounts from Visa partner retailers.
• Linked to Free Current Account: No need to pay for separate account maintenance.

Customer Support & Bank Contact Info

If you need assistance or have questions about the 1822direkt Visa Credit Card, here’s how to reach their customer support:

Customer Service Hours

• Monday–Friday: 8:00–20:00
• Saturday: 8:00–16:00

Phone Numbers

• General Banking: 069 94170-0
• Securities Services: 069 94170-8888
• New Customers: 069 505093-0
• Credit Card Issues (Service Hours): 089 411116-336
• Credit Card Issues (After Hours): 089 411116-446
• Card Blocking (24/7): 116 116

Email

• info@1822direkt.de

Mailing Address

• 1822direkt Gesellschaft der Frankfurter Sparkasse mbH, 60608 Frankfurt, Germany

Bank Details

• Bank Code (BLZ): 500 502 01
• BIC/SWIFT: HELADEF1822

Online Support

• Use the contact form on their official website for inquiries.

To Sum Up

The 1822direkt Visa Credit Card is a practical choice for anyone seeking a secure, low-cost way to manage everyday spending. 

With global acceptance, no annual fee when used monthly, and robust digital features, it seamlessly integrates into a modern lifestyle. 

If you meet the requirements, apply online today and start saving with every purchase.

Disclaimer

Approval is subject to credit and identity checks by 1822direkt. Terms, conditions, and fees may change—check the official website for the latest details.