100 % guarantee of account opening
Most direct banks in Germany check a potential customer’s income and creditworthiness before opening a checking account. This is the reason, why applications for an account by people who have not yet build a “credit history” are often rejected.
Both providers compared on this site do not do such checks. Therefore a successful account opening is practically guaranteed, if one is willing to pay the fees for the account in return.
If you know our special portal for some time, you know that we love to test the presented accounts and cards for ourselves extensively. This also applies to 100 % to our comparison of Schufa-free accounts.
By the way, this is the background, why one cannot find interminable lists of providers with us. We deal from the outset only with the subjective list of our most thrilling providers!
Schufa-free accounts: pay attention to the differences!
| Onlinekonto by PayCenter |
Viabuy by PPRO Financial |
|
| Card to the account |  MasterCard |
 MasterCard |
|---|---|---|
| Card design | Individual photo motive (€ 19) | Gold or black (€ 0) |
| Card limit (= maximum charging of account) |
€ 15,000 | € 10,000 up to € 50,000 depending on the verification |
| Withdrawal limit per day | € 5,000 (up to 10 withdrawals) |
€ 2,400 (up to 3 withdrawals) |
| Account usage | ||
| Incoming transfers | unlimited € 0.50 from the 6th transfer of the month |
3 per day / 60 per month all free of charge |
| Outgoing transfers | unlimited € 0.50 |
unlimited all free of charge |
| Standing orders / Scheduled transfers | yes € 1.50 |
not possible |
| Cheque credit | yes € 3.00 |
not possible |
| Use as a business account permitted? | yes | yes |
| Conversion into a P-account? |
yes, possible | not possible (and not necessary, as it is British law seat) |
| Online banking, app | online banking + app (HBCI-interface for banking software available) |
online banking |
| Customers service | via e-mail or telephone (08161.4060-300 Mon – Fri 7:30 am – 6:30 pm, Sat 10 am – 2 pm, free call-back service) |
via e-mail |
| Fees | ||
| Activation fee | once € 39 | once € 89.70 |
| Account management fee | € 9.90 per month | free for the first 3 years (then annually € 29.90 – equivalent to € 2.49 per month) |
| Partner card | – | € 14.90 |
| Withdraw cash | free of charge 1 × per month (then € 5.95) |
€ 5 |
| Foreign transaction fee | 2 % | 2.75 % |
| Particularities | ||
| free choice of additional name on the MasterCard (e.g. company name, € 19) | free choice of name of the account holder name on the MasterCard | |
| Further information | Onlinekonto article | viabuy article |
| Account opening | ||
| Link of the provider | www.onlinekonto.de | www.viabuy.com/de |
Do you have questions about the presented accounts without Schufa? Please use the comments box at the end of this page. There, you are welcome to report about your experiences for the benefit of all account-seeking readers. |
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Can I use Viabuy as a salary account too?
Yes, you can. However, please note that it is a credit card with (limited) account function and not a current account with credit card. For example, you can make transfers. Debit entries are not possible.
At the Onlinekonto by PayCenter, debit entries, as well as standing orders, are possible. It is a current account with Mastercard.
I’m sorry I could not understand this, is this a prepaid credit card where I have to transfer my own money everytime I use it or is this a credit card where they give us 10,00 Euro limit then we pay after.
Thanks for reply.
Yes, correct. Both accounts run on a credit balance basis. This means, that you can only use that money with the card that has been deposited in advance.
Hello, when the card comes newly, how much credit would be inside the card already. Because I am confused.
Warm regards.
0. A credit line – at the ING this is called “Dispo” – must be requested separately. If you do not have a line of credit, your account and card need to stay within their balance.