Which documents do I need for the application?

The most important documents

Have the following documents ready for the application:

• Valid ID card or passport
• Proof of registration or current home address
• Proof of income (e.g. payslips of the last 2–3 months)
• Your bank details (IBAN) for the reference account
• For the self-employed: current income tax assessment or business analysis

What to look out for

Make sure all details are current and correct. Discrepancies between your details and the documents provided can delay the application.

For prepaid cards and some debit cards, proof of income and a SCHUFA check are often not required at all.

How the identity check works

Banks are legally obliged to verify your identity beyond doubt. Two procedures are common: the VideoIdent method, where you identify yourself via video chat using your ID document, and the classic PostIdent method at a post office. VideoIdent is usually completed within minutes but requires a stable internet connection and a working camera.

Keep your ID ready and ensure good lighting so all security features are visible. If your name, date of birth and address match your application exactly, you avoid follow-up queries.

How long does processing take?

After a complete application and successful identity check, the decision is often made quickly, sometimes even instantly. The physical card is then sent by post, which can take a few additional days. Many providers offer a digital card for your smartphone in advance, so you can pay before the plastic card arrives.

Missing documents are the most common reason for delays. Submitting all proof in full straight away noticeably speeds up the process.