Just payed my first time in an internet shop with ApplePay, calling the website. Great experience! Added the good to the shopping basket, in the shopping basket there was an ApplePay Logo. Pressed it, the dialog came up with sending options, prefilled address (from Wallet settings), phone# (from wallet) and so I just had to use TouchID (iPad) and it was done. Wow amazing if you think of credit where you have to fill in everything.
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Apple Pay Apple Pay in Germany
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Yes, they announced it officially. I even got an email from them that they are on board when ApplePay starts. And i guess with all cards, so your Payback Card as well
Yes, they announced it officially. I even got an email from them that they are on board when ApplePay starts. And i guess with all cards, so your Payback Card as well
A few days ago I called to Amex caused activate my "new" card after ending first one, asked him to Apple Pay...he told me "Later this year Blabla" and he "can't" say anything else to this point...
Then I asked him if all Amex cards are useable with AP and he says ...yes ....Payback to Platinum/Centurion...only with BMW Card he wasn't sure ...but all Amex issued card should work...
Offtopic question: How long have you guys been waiting until your curve card arrived after it was build?
[doublepost=1540722909][/doublepost]Searched the web, but found no information. Curve wrote something bout 1 to 2 weeks
[doublepost=1540722909][/doublepost]Searched the web, but found no information. Curve wrote something bout 1 to 2 weeks
It was send like a normal "Brief" with DHL ( found it in the Mailbox ) no Signature needed
It's all happening at the moment: Hanseatic Bank only recently launched their new app (literally a day or two ago)... including Wallet support. I wonder what that could be for!?
https://itunes.apple.com/de/app/hanseatic-bank-mobile/id1380198738
vs. the old version:
https://itunes.apple.com/us/app/hanseatic-bank/id1208460955?mt=8
Hanseatic has been working with VISA in the background on a few new features, some unique to the German market such as push and card controls. Also interesting fact: More than 10% of VISA cards issued in Germany are from Hanseatic Bank. Must be more than just a few, considering ING / DKB / comdirect and a lot of Volksbanken issue VISA cards as well.
https://itunes.apple.com/de/app/hanseatic-bank-mobile/id1380198738
vs. the old version:
https://itunes.apple.com/us/app/hanseatic-bank/id1208460955?mt=8
Hanseatic has been working with VISA in the background on a few new features, some unique to the German market such as push and card controls. Also interesting fact: More than 10% of VISA cards issued in Germany are from Hanseatic Bank. Must be more than just a few, considering ING / DKB / comdirect and a lot of Volksbanken issue VISA cards as well.
Don´t know really what to do. Use boon or get maybe a Card from Hanseatic? But if something is for free you get it for free for a reason.It's all happening at the moment: Hanseatic Bank only recently launched their new app (literally a day or two ago)... including Wallet support. I wonder what that could be for!?
https://itunes.apple.com/de/app/hanseatic-bank-mobile/id1380198738
vs. the old version:
https://itunes.apple.com/us/app/hanseatic-bank/id1208460955?mt=8
Hanseatic has been working with VISA in the background on a few new features, some unique to the German market such as push and card controls. Also interesting fact: More than 10% of VISA cards issued in Germany are from Hanseatic Bank. Must be more than just a few, considering ING / DKB / comdirect and a lot of Volksbanken issue VISA cards as well.
No you get just a virtual one. As far as I remember It was pretty fast.
They earn money when you use the CC. And of course they want you to take the credit with high interest but it is up to you if you have debited the monthy amount all in one (=for free) from your account or in expensive loan rates.
But keep in mind Hanseatic Bank is with Schufa entry and boon completely without. So for me, I will use boon for the meantime until my bank will hopefully support AP in 2019 (just like ING Diba).
I like boon., I think it's a great little service. But for me, I want to have a cohesive banking experience and boon. - as good as it is - doesn't satisfy all my needs. Also: If you start using in-app purchases, booking your hotels and flights etc. via boon., then things like chargeback start becoming a problem. Also I don't want to stockpile a lot of money on their service, so my limit is always fairly low. If all you want to do is extend your bank account to do some small payments via Apple Pay, then boon. is the way to go. If I were you I would take the plunge and definitely open an N26 account. It's easy, has a free MC Debit card and you'll be able to use Apple Pay from day one. I explained a few pages back why having different accounts is actually a very good way on controlling your money flow.
If you want to go "all in" on Apple Pay and are willing to switch banks, then I would take that route. I've switched away from Sparkasse as my main account and used this chance to add some other cards and accounts that can benefit me.
An Amex card (the Payback one is completely free), a decent Visa/MC credit card and a well thought out current account should help. With the wide variety of launch banks, I'm sure everyone will find something that will suit their needs.
Finally: Can everyone stop worrying about Schufa? As long as you don't go overboard and order loads of credit cards, open current accounts and apply for loans all on one day, you can train Schufa to like the direction you're taking. Remember: If all you have is one account, possibly not even a registered credit card (ie. with ING DiBa or Sparkasse), no mobile phone contract and pay things off in full (or in cash) straight away, then Schufa doesn't have much to go on. If you use financial services wisely and you don't show up as a troublemaker, then your score will usually be higher and much more stable in the future. That can lead to you getting a great deal on a loan when you need it, while your neighbour who has spent his life banking with his local VoBa/SPK and has stayed clear from overdrafts and things - he will fall through with automated decisions as there is no data set to rely on. Think about it
I have 5 accounts and four credit cards registered. No, I don't spend all my money and consume stuff all day long, but I've got a good track record and my Schufa score is very good. That's why switching my accounts up hasn't caused any problems for me.
I could have no effect or a negative one to >your personal< Schufa score, nobody here can tell you and Schufa won't tell you either. The question is would you risk to worse your personal score just for AP, especially if you plan to get a loan for something bigger in some years maybe (a car or house for example). You have to decide for yourself.
Some of you use boon and are satisfied. It costs less within 12 months then my CC. So, I`ll wait until boon is available in the German App Store. Thank you very much for your advice guys!
Wise choice, boon. is a great service! On the other hand don't forget: Wirecard has said that they are planning to turn it into a smartphone bank sometime soon (probably similar to what N26 is now). I'm assuming that in future we won't get around it being free from credit checks either
Let´s hope they do it, when SPK accepts Apple Pay.Wise choice, boon. is a great service! On the other hand don't forget: Wirecard has said that they are planning to turn it into a smartphone bank sometime soon (probably similar to what N26 is now). I'm assuming that in future we won't get around it being free from credit checks either
But if you have a family and a joint household budget, N26 does not fit into this scenario as N26 still does not offer joint accounts or additional card for partners