Best Debit Accounts For Students - Withdraw money around the world, pay locally or online at millions of locations in Germany and abroad, and make "contactless" payments by simply inserting your card into the vendor's reader - without leaving your card.
Fast, contactless payment using Apple Pay for iOS or Android smartphone and the "Deutsche Bank Mobile" app.
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In the event of a lost card, we are available 24 hours a day and will block the card immediately. After receiving a card blocking request, you are not responsible and liable for the loss or theft of your credit card.
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With your Deutsche Bank MasterCard, you can still shop comfortably online today. A secure 3D process known as Mastercard Identity Check makes the transaction even more secure. During verification, we check two independent security features to ensure that only you can make an online payment.
Increased security for your credit card: If a suspicious transaction occurs, we immediately send an SMS to the mobile number you provide. This provides better protection against unauthorized use.
1 From the age of 12, regardless of creditworthiness 2 From the age of 18, assuming creditworthiness. Deutsche Bank will credit your account approximately six weeks after your trip. The terms and conditions of the tour operator apply without exception. 4 Insurer: Allianz Global Assistance (AGA International S.A.). Insurance for cardholders. This service is governed by the MasterCard Standard/Gold insurance conditions (in German). 5Insurer: Allianz Global Assistance (AGA International S.A.). Insurance coverage in case of payment by credit card. This service is subject to the terms and conditions of the MasterCard travel insurance (in German). 6We are not responsible if the card and PIN code were used responsibly and the damage was reported correctly and immediately. it's time to start thinking about opening a student account.
College is right around the corner and banks are working hard to attract students by offering a variety of free perks to gauge who has what to offer.
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We explain everything you need to know about applying for a student account and what the best deals are on the market right now.
If you have somewhere to study at a UK university, you can apply to one of these accounts.
Be accepted on a full-time UCAS course at a UK institution for at least two years.
They usually provide a higher overdraft limit than a standard bank account - and some offer up to £3,000 interest-free.
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But remember that an overdraft is not free money. Even after you graduate, you'll have to pay back everything you borrowed, and interest can accrue while you graduate.
We've rounded up the student accounts with the highest interest-free overdraft limits and the best rewards to help you decide which one to choose.
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Rewards for students, such as free money, are designed to entice students to open bank accounts in hopes of becoming lifelong customers.
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Barclays, Co-op and TSB offer student bank accounts, but are among the few that do not offer discounts up to £2,000 beyond interest-free overdrafts.
Lloyds offers interest-free overdrafts of up to £2,000, while Halifax offers students £1,500, however both accounts offer free cash and other perks.
You should also check which accounts meet your needs in other ways, such as withdrawal limits for apps or ATMs, as well as full terms and conditions and eligibility.
You can receive the benefits if five debit card transactions have taken place in the first 30 days of account opening.
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You can receive at least £1,000 in the first year, up to £2,000 in the second year and £3,000 in the final year.
You can get up to £1,000 towards your overdraft in the first year, increasing by £1,000 each year after that, to £2,000 in the second year and £3,000 in the third year.
You get £80 of free cash and a four-year Tastecard when you open a NatWest or RBS student account (both part of the same banking group).
If you bought a Tastecard for four consecutive years, it would cost £119.96.
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The loyalty card offers exclusive discounts with which you can get up to 50% off in thousands of restaurants in the country.
Banks offer interest-free overdrafts of up to £2,000, but the first term will only be worth £500.
Banks also offer free 24-hour cash assistance, which allows you to withdraw £130 every 24 hours without a card from an ATM.
The Railcard offers a third of the price of train travel, but be sure to take it with you when you travel.
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You can get up to £1,500 from your overdraft from your first to third year of university.
So if you go on to study, you could get up to £1,800 in year four and up to £2,000 in year five.
Having a bank account is very important, no matter where you live. But even more so as an international student in Germany. Above all, it is necessary to keep your finances in order. In addition, maintaining a bank account will be mandatory for the following:
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However, the banking system in Germany is very different from the banking system in India or most non-EU countries. Actually, coming from India, it took me a while to understand how things work there. It can be confusing and intimidating.
To avoid confusion, in this article I will summarize the best bank accounts for students in Germany. First, I will explain the banking system in Germany. And what aspects should be considered before opening a bank account here. That's why I'm listing the best options for opening a bank account.
It is important to understand that the banking system in Germany is very different from what you may be used to. Therefore, we will familiarize you with the banking system in Germany by examining these factors in the bank of your choice.
In other words, before making a decision, analyze the following characteristics of the bank account:
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A) Kontoführungsgebühren - Literally "Account management fees". This is the fee you pay banks to keep your money in an account. The exchange rate can be between 4 and 8 euros per month. However, this may increase further depending on regional factors. For example, my Volksbank account cost 13 euros in Hamburg.
B) Negative zero interest - In most German banks, you will not receive interest on the money you deposit. This was completely new to me, coming from India, where the interest is always positive. But most European countries typically have zero or even negative interest rates for depositing money in a bank account.
C) Cards - If you have a debit or credit card, you should check if your chosen bank offers Mastercard or VISA. Some German banks issue cards from Vpay (national issuer) and this may not be accepted if you travel to other countries in Europe.
D) Customer service – As a foreigner, you should be sure that the bank you choose provides the best customer service available. If you are new to Germany, you may need help in English. So this option is definitely an advantage. With the rise of fintech companies, most banks have good online banking services.
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As students in Germany, our main motto behind every decision is saving! Students tend to have smaller and limited budgets. Even in the case of part-time jobs, it is advisable to limit your expenses in any way. Therefore, an ideal bank account should meet the following criteria:
In general, there are two main requirements for opening a bank account in Germany. These requirements are generally the same in all banks.
Exception: Some bank accounts may reject foreign applicants as their requirements may include "with financial history in Germany". Even US citizens applying for a bank account may have additional requirements due to FATCA.
IMPORTANT: There may be situations where you need to open a bank account in Germany right away, but you don't
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