How to Get the MyWage FLORIN+ Mastercard: Complete Practical Guide

If you live in Germany and are looking for a credit card without bureaucracy, no annual fees, and fully managed through your smartphone, this guide is for you.

We will explore everything you need to know about applying for the FLORIN+ Mastercard, from the requirements to the final approval process.

Why Apply for This Card?

Before we begin, it is important to understand why many people choose FLORIN+. The card has no annual fee, gives you access to a digital version immediately after approval, offers a generous credit limit of up to €4,000, and all management is done through the MyWage app.

Unlike many cards on the market, you do not need to open a bank account, fill out endless forms, and the response may arrive on the same day.

However, approval depends on several factors that we will discuss.

What You Need to Know Before Starting

The FLORIN+ application is 100% online and can be completed in about 15 minutes. You will need a computer or smartphone, a valid ID document, and you will need to complete a short video call to confirm your identity.

Approval is not automatic. Novum Bank (the institution issuing the card) analyzes your credit profile through Schufa, evaluates your monthly income, and reviews your financial history. If you have overdue debts or credit restrictions, your application may be rejected.

The entire process is fast. You may receive a response within a few hours up to one business day. If approved, the digital card becomes immediately available in the app, and the physical card is sent by mail within 10 to 14 days.

Mandatory Requirements to Apply

To apply for the FLORIN+, you must meet the following basic criteria:

Minimum Age
You must be at least 18 years old. There is no maximum age limit.

Residence in Germany
You must be officially registered as a resident in Germany. This means having a valid address where you live and being registered with the local municipality (Gemeinde). People who have just moved may face more difficulty getting approved.

Minimum Monthly Income
You must prove a monthly income of at least €500. Important: this income must come from formal employment with an official work contract. Freelance income, gig work, or informal income does not qualify.

Valid Identification Document
You will need an official document such as a German passport, Personalausweis (German ID card), or a passport from another EU country. The document must be valid and not expired.

German Phone Number
A mobile phone with a German number is essential. You will use this number to receive verification SMS messages and potentially be contacted by Novum Bank.

German Bank Account
Although FLORIN+ itself is not a bank account, you must have an account with a German bank. This account will be used for automatic payment of your monthly statements.

Satisfactory Credit History
You cannot have active credit restrictions. Schufa will perform a credit inquiry under your name, and if there are overdue debts or recent negative records, your application will likely be rejected.

What Improves Your Chances of Approval

Now that you know the requirements, let’s discuss the factors that significantly improve your approval chances.

Clean Credit History
This is the most important factor. If you have never missed payments on bills, loans, or debts, your chances are much higher. Before applying, consider requesting your free annual Schufa report to review your profile. If there are errors, correct them.

Stable and Registered Income
Having formal employment for several months, preferably longer than 6 months, demonstrates stability. If you recently changed jobs, your chances may be slightly lower. Keep your recent salary slips (Gehaltsabrechnung) from the last 2–3 months ready.

Bank Account with History
If your bank account has existed for several months and shows regular activity, it signals stability. Accounts opened only one or two weeks ago may raise concerns.

Few Recent Credit Inquiries
Every time you apply for credit, a record is added to your Schufa file. If you applied for several loans or cards within the last 3 months, your chances decrease. Try not to submit multiple applications during the same month.

Long-Term Registered Address
If you have lived at your current address for several months, that is better than recently moving in. People who register at a new address in the same month they apply for credit may be viewed more cautiously.

Income Above the Minimum
Although the minimum is €500, having a monthly income of €1,500 or more significantly improves your chances. The higher your verified income, the safer you appear to Novum Bank.

Consistent Information
Make sure all the information you provide in the application matches the information on your Schufa file and official documents. Inconsistencies may lead to rejection.

Where to Apply for FLORIN+

There are several ways to apply, but the most direct method is:

Official MyWage Website
Visit www.mywage.de and look for the cards section. You will find a highlighted button to apply for the FLORIN+ Mastercard. This is the safest and most direct option.

MyWage App
If you already have the MyWage app installed, you can start the application directly through the app. Simply open it and look for the card application option.

Avoid Third Parties
Do not apply through third-party websites that promise “guaranteed approval” or charge fees. The application is completely free, and nobody can guarantee approval in advance.

Step-by-Step: How to Apply

Step 1: Access the Platform
Go to www.mywage.de or open the MyWage app. Find the “Cards” or “Apply for Card” section and select the FLORIN+ Mastercard option.

Step 2: Start the Application Form
Click the “Apply Now” button or something similar. A form with multiple fields will open.

Step 3: Fill in Personal Information
Provide the following details:

Full name (exactly as shown on your ID)

Date of birth

Nationality

Phone number (German number with area code)

Valid email address

Full address including ZIP code (Postleitzahl)

How long you have lived at your current address

Fill everything carefully. Any mistakes may lead to rejection.

Step 4: Employment Information
You will be asked about:

Employment status (salaried employee, self-employed, etc.)

Company where you work

How long you have worked there

Your profession

Approximate gross monthly income

Be honest with the numbers. Novum Bank has access to information that may be verified.

Step 5: Banking Information
Provide your German bank account information:

Bank name

IBAN or account number with bank code (Bankleitzahl)

Name of the account holder

This account will be used for automatic debit of your monthly statement.

Step 6: Identity Verification
This is the most important stage of the process. You will be invited to complete a video call. For this:

You need a smartphone with a camera

You need an ID document (passport or Personalausweis) ready

You should be in a well-lit location

The call lasts between 2 and 5 minutes

During the call, you will show your document to the camera, answer some basic questions, and may be asked to perform simple movements (such as turning your head) to confirm you are a real person.

Step 7: Authorize the Schufa Inquiry
You authorize Novum Bank to check your credit profile with Schufa. Click to confirm.

Step 8: Final Review
Review all the information you entered. Pay special attention to banking information (an incorrect IBAN can create serious issues). Once satisfied, click submit.

What Happens After You Submit Your Application

Processing
Your application enters the review queue. Usually, a decision is made within a few hours up to one business day. In exceptional situations, it may take up to 2 business days.

Notifications
You will receive updates by email. Check your inbox regularly. Sometimes important emails land in the spam folder, so check there as well.

Possible Responses

If Approved:
Congratulations! You will receive an email confirming your approval. The email will include instructions to activate your digital card within the MyWage app. The digital card becomes available immediately, and you can start making purchases right away.

Your physical card will then be produced and mailed to you. It should arrive within 10 to 14 business days. Once it arrives, simply confirm activation in the app.

If Rejected:
You will receive an email explaining the rejection and usually the reason. Common reasons include negative credit history, insufficient declared income, or inconsistent information.

If rejected, you may try again after a few months, especially if you use that time to improve your credit profile (pay off debts, build positive history, etc.).

If Pending:
In some cases, Novum Bank may request additional documents. You may receive an email asking for proof of income (salary slips) or bank statements. Send them quickly to speed up the process.

After Approval: First Steps

Activate the Digital Card
Open the MyWage app and follow the instructions to activate your digital card. It will be ready for immediate use.

Make Your First Payment
You can make a small purchase to test it. Go to any store that accepts Mastercard and use your card. You will receive confirmation in the app.

Set Up Apple Pay or Google Pay
If desired, add the card to Apple Pay or Google Pay on your smartphone. This makes purchases even faster.

Wait for the Physical Card
While waiting for the physical card, continue using the digital version. Once the physical card arrives, activate it through the app.

Understand Your Credit Limit
Your initial credit limit will be displayed in the app. This is the maximum amount you can spend. The more responsibly you use the card and pay on time, the higher your future limit may become.

Configure Automatic Payments
Make sure your automatic statement payments are properly configured. Paying on time helps you benefit from the interest-free period.

Questions You May Have

How Long Does Everything Take?
From application to response: 1 to 2 business days. From digital card to physical card delivery: 10 to 14 business days.

Can I Use the Digital Card Before Receiving the Physical One?
Yes, that is one of the main advantages. Once approved, you can use the digital version immediately.

If Rejected, Can I Apply Again?
Yes, but it is recommended to wait at least 3 to 6 months and use that time to improve your financial situation.

Do I Need Exactly €500 in Income?
Yes, that is the minimum. The higher your income above that amount, the better your approval chances.

I Am Self-Employed. Can I Apply?
Unfortunately not. The card requires income from formal employment with an official work contract.

Does the Application Affect My Credit Score?
Yes, slightly. Every Schufa inquiry is recorded. Avoid making multiple applications simultaneously.

Final Tips to Improve Your Chances

Organize your documents and information beforehand

Make sure all information is accurate and consistent

Avoid multiple applications in the same month

Keep your salary slips and bank statements ready

Resolve any outstanding debts before applying

Request your free Schufa report before applying to check your profile

Maintain stable address and banking history for several months before applying

Conclusion

Applying for the MyWage FLORIN+ Mastercard is a simple, fast, and fully online process. If you meet the basic requirements, have a clean credit history, and verified formal income, your approval chances are very high.

The best part is that it costs nothing to try, the application is quick, and you could have a modern, no-annual-fee credit card working on your smartphone within hours.

If you live in Germany, have formal employment, and want a card that operates entirely digitally, this is a very interesting option to consider.