Frequently Asked Questions

Here you may find the answers to frequently asked questions concerning the following topics:

1. What you should know about the Prepaid Trio
2. Opening the Prepaid Trio account
3. Using the girocard/Maestro card
4. Using the Visa prepaid card
5. Using your accounts
6. Liability

Do you still have questions which are not being answered here? Then get in touch with us: Send an e-mail to: service@wirecardbank.com or simply call us: +49 (0) 1805 - 558 390 (0.14 EUR/min. from a German landline, max. 0,42 EUR/Min form German mobile networks).

1. What you should know about the Prepaid Trio
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Which products and services are included within the Prepaid Trio?
The Prepaid Trio of the Wirecard Bank offers:

Checking account including access to eBanking
girocard-/Maestro-card with chip
Visa prepaid card
eTAN-Generator
Homebanking Software Windata@home

Is the checking account a classic checking account?
Yes. The checking account of the Wirecard Bank includes the girocard-/Maestro-Karte and Visa prepaid card. You have access to your bank balance at any time and, using eBanking, you are handling your payment transactions. For this you can use various functions, such as domestic payments, direct debits or standing orders. Using your eBanking account you can also quickly and easily recharge your Visa prepaid card account at no extra charge - and therefore use all the advantages of the Visa prepaid card during your purchasing transactions.

What charges will accrue for the Prepaid Trio?

A one-off setup fee of 39.00 EUR
A monthly account maintenance fee of 9.90 EUR
All further fees can be looked up in the fee summary

2. Opening the Prepaid Trio account
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Who can apply for the Prepaid Trio?
The Prepaid Trio of the Wirecard Bank can be applied for by anybody having completed his/her 18th year.

Where do I get my Prepaid Trio?
Simply apply online straight away. Please apply here.

What are the next steps?
You complete the application form online.
You will receive an e-mail from us containing your account details and information for the transfer of the setting-up fee for your Prepaid Trio. As soon as you have transferred these payments and we have received them, you will receive the Prepaid Trio application and a form for the PostIdent-procedure via e-mail.
Please take these forms, together with your valid identification card or passport to a counter at the Deutsche Post. The Deutsche Post will conclude everything else for you. Following receipt of the documents we will activate your checking account and initiate the forwarding of your Visa prepaid card and girocard/Maestro card.

3. Using the girocard/Maestro card
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How does my girocard/Maestro card work?

Using the girocard/Maestro card enables you to make non-cash payments - within the whole of Germany by using electronic cash, internationally using the Maestro-system. To use this please identify yourself at the outlet using either your personal identification number (PIN) or by signing the sales slip. The amount due will then automatically be debited from your account.
You can withdraw cash from all German and international cash-points bearing the girocard/Maestro symbol.

Do I have to activate the girocard/Maestro card?
No, the card is activated automatically by its first usage.

How can I check my account balance and receive account statements?
You can use the eBanking facilities of the Wirecard Bank to check your account.

4. Using the Visa prepaid card
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How does my Visa prepaid card work?
Your Visa prepaid card works according to the prepaid principle: Using 24 million points of acceptance world-wide as well as the internet, you can undertake non-cash payments 24 hours a day. The only requisite for this is that your card is bearing a credit up to the respective amount. The amount to be paid by you will then be debited from your card automatically. Furthermore, the Visa prepaid card enables you to withdraw cash at over 900,000 ATMs world-wide.

Do I have to activate the Visa prepaid card?
The Visa prepaid card is activated automatically as soon as you have charged-up your Visa prepaid card.

Where do I charge-up my Visa prepaid card?
The card is being charged-up by monetary transfer of an arbitrary amount into your card account - you can do this via your eBanking account choose Administration and "Load Card".

5. Using your accounts
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Is my checking account with the Wirecard Bank an online-account only?
Yes. Wirecard Bank, being an internet-bank does not have any counter-business. Having access to the internet is therefore a pre-requisite for the opening of the Prepaid Trio.

How do I get to the eBanking of the Wirecard Bank?
You will reach the eBanking of the Wirecard Bank here.

How does the eBanking work?
Using the online-banking you can check your account and your payments transactions. For this, e.g. this following functions are possible:

Load Card (Remittance to your Visa prepaid card account)
Remittance
Remittance by date
Standing order

What do I need PIN and TAN for?
The PIN/TAN-procedure is a widely-used authentication procedure used for internet-banking. The PIN (Personal Identification Number), which you will choose yourself using your eBanking for the first time, allows you secure access to the eBanking of the Wirecard Bank. Using a TAN (Transaction Number), you additionally confirm each transaction you are undertaking while using online-banking, such as remittances, remittances by date or standing orders. For this, you will also receive the eTAN-generator free of charge from us: When pressing a button, this device will create a new electronic TAN for each transaction. This way, your account data is optimally being safeguarded from being misused.

Is eBanking with the Wirecard Bank secure?
Yes. The eBanking of the Wirecard Bank offers you double security. On the one hand, a secure SSL-encoding and on the other hand the combination of PIN and the eTAN-procedure. The latter ensuring that, unlike the traditional TAN-list-procedure, nobody will be able to gain access to your data, as the eTANs are being specially generated anew for each transaction. In addition, the home-banking-software of the Wirecard Bank protects you from computer bugs and spy-ware without fail, as your transactions are not being undertaken using the web-browser, but solely via the interface of the software.

6. Liability
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What happens if the card is lost or stolen?

Visa prepaid card:
Upon loss or theft of the card, you should immediately call our hotline: 00800 / 947 322 70. This number is staffed around the clock, international and free of charge. Your card will be cancelled immediately. Following the cancellation you will not be liable for any misuse of your card.

girocard/Maestro card:
Upon loss or theft of the card, you should immediately call our hotline: +49 116 116. This number is staffed around the clock and free of charge in Germany. Your card will be cancelled immediately. Following the cancellation you will not be liable for any misuse of your card.

Are my deposits safe?
Yes. The Wirecard Bank is member of the deposit insurance system of the Deutscher Banken e.V. This means that every customer of the Wirecard Bank AG is safeguarded to the amount of up to 1.5 million Euros.