Revolut makes it easy to get a Mastercard without the hassle of paperwork or bank visits.
In Germany, you can apply for a Revolut Mastercard in minutes using just your smartphone.
This guide shows you everything you need to know to get started quickly and securely.
Why Apply for a Revolut Mastercard in Germany?
Revolut offers more than just a payment card—it’s a flexible digital tool for managing money.
If you’re based in Germany, the Revolut Mastercard gives you access to modern banking features with low fees and complete mobile control.
- No Monthly Fee (Standard Plan): Get started with no subscription costs.
- German IBAN Support: Send and receive money like any local bank account.
- Real Exchange Rates: Spend abroad without hidden markups on currency conversion.
- Virtual and Physical Cards: Use virtual cards for online security and physical cards for everyday purchases.
- Instant Payment Notifications: Get alerts for every transaction in real-time.
- ATM Withdrawals Worldwide: Withdraw cash for free up to a limit, depending on your plan.
- Built-In Budgeting Tools: Track your spending by category inside the app.
- Travel Benefits on Premium Plans: Get insurance, lounge access, and more when you upgrade.
- Crypto and Stock Access: Buy and manage investments directly from your phone.
- Secure and Flexible Controls: Freeze your card, change your PIN, and manage limits anytime.
Major Benefits for German Residents
If you’re living in Germany, Revolut’s Mastercard comes with several advantages tailored to local banking needs.
From full SEPA compatibility to seamless app features, it’s designed to simplify and enhance your financial life.
- German IBAN: Send and receive payments like a standard German bank account.
- SEPA Transfers: Supports fast and easy euro transfers across the EU.
- No Schufa Check (for Standard Plan): You can apply without impacting your credit score.
- App Available in German: Full language support for more straightforward navigation and setup.
- Apple Pay and Google Pay Integration: Pay contactless across Germany with ease.
- Fast Card Delivery: Physical cards typically arrive in 3–9 business days.
- Low Foreign Exchange Fees: Ideal for travel or international money transfers.
- Subscription Flexibility: Switch between Standard, Plus, Premium, or Metal based on your needs.
- Easy Tax Management: Export transaction records quickly for Steuererklärung (tax filing).
- Local Customer Support: Help is available through the app in German.
Interest Rates and Fees Overview
Before applying for a Revolut Mastercard in Germany, it’s essential to understand the pricing structure.
Revolut offers multiple plans with different fees, limits, and perks. Here’s a breakdown of the most relevant costs and rates.
Monthly Plan Costs
- Standard: €0 /month – includes basic features and one free card.
- Plus: €2.99/month – adds purchase protection and priority support.
- Premium: €7.99/month – includes travel insurance and higher limits.
- Metal: €13.99/month – includes cashback, lounge access, and top-tier perks.
ATM Withdrawal Fees (Germany and Worldwide)
- Standard & Plus: Free up to €200/month, then a 2% fee applies to the excess.
- Premium: Free up to €400/month, then a 2% fee.
- Metal: Free up to €800/month, then a 2% fee.
Currency Exchange Rates
- Standard: No markup up to €1,000/month, then 1% fee on excess.
- Paid Plans: Unlimited exchanges with no markup during weekdays.
- Weekend Markup: A markup of ~1% applies to FX transactions during weekends.
Card Delivery Fees
- Standard: Free virtual card; physical card delivery costs ~€6.
- Additionally, Premium and Metal plans include free delivery.
- Other Fees
- Replacement Card: Around €6 (Standard), free for paid plans.
- Cross-Border Transfers: Free to EU/SEPA countries. Non-SEPA transfers may incur small fees.
- Overdraft: Not available – Revolut cards are prepaid.
Requirements to Get Started
Setting up your account is straightforward, but there are a few conditions you must meet.
Ensure you have the following items ready before starting the application.
- Age Requirement: You must be at least 18 years old.
- Residency: You need a valid residential address in Germany.
- Valid ID: A passport, national ID card, or residence permit is required for identity verification.
- Smartphone Access: A working smartphone with internet access is needed to install the app and complete the setup.
- Phone Number: A local or international mobile number is required for SMS verification.
- Email Address: You’ll need an active email for account confirmation and updates.
Step-by-Step: Apply for a Revolut Mastercard in Minutes
The sign-up process is fast and fully digital. You can complete everything directly from your smartphone, eliminating the need for paperwork or branch visits.
Step 1 – Download the App
- Go to the App Store or Google Play.
- Search for “Revolut” and install the official app.
Step 2 – Start Registration
- Open the app and enter your mobile number.
- Create a 4-digit passcode to secure your account.
- Enter your name, address, and email as prompted.
Step 3 – Verify Your Identity
- Upload a photo of your passport or national ID.
- Take a selfie to match your ID.
- Identity checks are usually completed within minutes.
Step 4 – Choose and Order Your Card
- Select between a virtual or physical card.
- If choosing physical, enter your delivery address.
- Pick your plan (Standard, Plus, Premium, or Metal).
- Confirm your order and wait for the card to be issued.
Delivery Time and Activation
Once approved, getting and activating your card is quick. Here’s a simple breakdown from shipping to setup.
- Shipping Time in Germany: Cards arrive within 3–9 business days, depending on the location and delivery method.
- Tracking Your Card: Track the delivery status inside the app once your card has been sent.
- Virtual Card Availability: Available immediately after approval; usable online or via Apple Pay or Google Pay.
- Activation Process: Activate physical cards in the app and set your PIN.
- Using Your Card Digitally: Spend with your virtual card before the physical one arrives.
- Security Features: Freeze cards or get instant alerts directly in the app.
Extra Tools for Smarter Spending
Beyond payments, the app features built-in tools to help you manage your finances more effectively.
These features are designed to give you more control, visibility, and flexibility with your daily finances.
- Budgeting by Category: Set monthly limits for food, transport, shopping, and more. Get alerts when you’re close to overspending.
- Spending Insights: View automatic breakdowns of your expenses with simple graphs and summaries.
- Savings Vaults: Create separate spaces to save for goals. You can set up round-ups or recurring transfers to make payments more manageable.
- Recurring Payment Controls: Easily track and cancel subscriptions or repeat charges with just a few taps.
- Disposable Virtual Cards: Use one-time cards for safer online shopping. Details automatically refresh after each use.
- Split Bills Feature: Quickly divide expenses with friends or roommates—track who owes what in the app.
Customer Support and Help Channels
You’re never left on your own—if you run into issues or need help, you have several support options available in Germany:
In‑App Chat (24/7):
- Open the Revolut app, go to your profile → “Help” → “Chat with us.” This is the fastest way to get support in German or English.
Email Support:
- For general issues: [email protected]
- For complaints: [email protected]
Automated Phone Line (Card Blocking Only):
- Dial +370 521 43608 to block your card. This line is automated and available 24/7.
Office Address in Germany:
- FORA Linden Palais, Unter den Linden 40, 10117 Berlin, Germany
To Sum Up
Getting your Revolut Mastercard in Germany is fast, secure, and entirely online.
With powerful app tools, local benefits, and low fees, it’s a smart choice for everyday spending and travel.
Download the app today and take control of your finances in just a few minutes.
Disclaimer
This article is for informational purposes only and does not constitute financial advice.
Always check the official Revolut website for the latest terms, fees, and eligibility requirements before applying.
