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If you live in Germany and are looking for a modern and affordable credit card with conditional free usage, free withdrawals on the Sparkasse network, and complete digital management, this guide was made for you.
1822direkt Visa Card
Straightforward and flexible
🔒 100% online and secure application
Here’s everything you need to know about applying for the 1822direkt Visa Card, from the basic requirements to how to use the card in practice.
Why Apply For This Card?
Before we begin, it’s important to understand why many people choose the 1822direkt Visa Card. The card offers free usage if you use it at least once per year, works in millions of stores worldwide, provides free withdrawals across the Sparkasse ATM network in Germany, offers complete digital management through an excellent app, and is issued by a respected institution with decades of history.
In addition, the application process is fast and fully digital, without unnecessary bureaucracy.
However, approval is not automatic. 1822direkt analyzes your financial situation and may reject your application if you have severe credit problems.
What You Need To Know Before Starting
The 1822direkt Visa Card application is 100% online and takes approximately 15 to 20 minutes to complete. You will need a computer or smartphone, a valid identification document, a German phone number, and internet access.
The overall process is very fast. You may receive a response on the same day or the next business day. If approved, the physical card is sent by mail within approximately 5 to 10 business days.
One important point: you MUST open a digital account with 1822direkt to apply for the card. The card is necessarily linked to this account. However, the account is also free and offers many additional benefits.
Mandatory Requirements To Apply
To apply for the 1822direkt Visa Card, you must meet these mandatory criteria:
Legal Age
You must be at least 18 years old. There is no maximum age limit.
Residence In Germany
You must be registered as a resident in Germany with a valid address. You must also be registered with the local municipality (Gemeinde). Foreigners need an appropriate visa or residence permit.
Valid Identification Document
You will need an official document such as a Personalausweis (German ID card), German passport, or passport from another European country. The document must be valid and clearly readable.
German Phone Number
A German mobile phone number is absolutely necessary. You will use this number to receive SMS verification codes during the process.
Valid Email Address
You need a functional email address to receive communications from 1822direkt during the process and afterward.
Acceptable Credit Analysis
1822direkt will check your data with Schufa. Your financial situation will be analyzed. 1822direkt is not extremely strict, but it still validates your credit history.
Acceptable Income Or Financial Situation
Although there is no officially published minimum income requirement, 1822direkt will evaluate your overall financial situation. Having a formal income helps significantly.
What Improves Your Chances Of Approval
Now that you know the basic requirements, let’s discuss the factors that significantly increase your chances of approval.
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 checking your Schufa profile to make sure there are no errors.
Stable Formal Income
Having a steady job for several months shows financial stability. If you are unemployed or recently changed jobs, approval is still possible, but your chances may be lower.
Active Bank Account With Regular Activity
If you have a bank account with regular activity (salary deposits, payments), it demonstrates stability. New or inactive accounts may create suspicion.
Few Recent Credit Applications
If you submitted several applications in the last 3 months, your chances decrease. Avoid multiple applications at the same time.
Stable Registered Address
If you have lived at the same address for several months, it is better than having moved recently. People who register a new address in the same month as the application may be viewed cautiously.
Above-Average Income
If your monthly income is 1,500 euros or more, your chances increase. The higher your income, the more financially secure you appear.
Consistent And Accurate Information
All information you provide must exactly match your documents and Schufa records. Inconsistencies may result in rejection.
No Outstanding Debts
If you have overdue debts, resolve them completely before applying. This dramatically improves your chances.
Where To Apply For The 1822direkt Visa Card
There is basically one official way to apply:
Official 1822direkt Website
Go to www.1822direkt.de and look for the credit card or “Visa Card” section. You will find a highlighted application button. This is the ONLY official application method.
Avoid Third Parties
Do not apply through third-party websites that charge fees or promise “guaranteed approval.” The application is completely free and should be done directly through the official website.
Step-By-Step: How To Apply
Step 1: Access The Official Website
Go to www.1822direkt.de and look for the accounts and cards section.
Step 2: Click To Open An Account Or Apply For The Card
The process begins by opening the 1822direkt digital account. Click the highlighted button to start.
Step 3: Fill In Your Personal Information
Provide the following information:
- Full name (exactly as shown on your document)
- Date of birth
- Nationality
- Passport or ID number
- Email address
- German phone number
- Full address with postal code
- How long you have lived at your current address
Fill everything in carefully. Any mistakes may result in rejection.
Step 4: Financial Information
You will be asked about:
- Employment status (employed, self-employed, unemployed, student, retired)
- Employer name (if employed)
- Profession
- How long you have worked at your current job
- Approximate gross monthly income
Be honest. 1822direkt may verify your information, and incorrect details may hurt your approval chances.
Step 5: Consent For Credit Analysis
You authorize 1822direkt to check your Schufa data. This is mandatory.
Step 6: Contact Information
You may be asked for additional contact or emergency information.
Step 7: Final Review
Review all the information carefully. Check names, dates, addresses, email, and phone number before confirming and submitting.
Step 8: Video Identification (VideoIdent)
1822direkt may require video identification. You can complete this:
- Through an online app
- At a Sparkasse branch
- Via video call with an agent
For video identification, you need:
- A smartphone with a camera
- Your identification document
- A well-lit environment
- Stable internet connection
What Happens After Your Application
Processing Time
The decision usually arrives within 1 to 3 business days. 1822direkt is known for one of the fastest processes.
Notifications
You will receive email updates about your application status.
Possible Results
If Approved:
You will receive an email confirming your approval. Your account will be opened immediately, and you will be able to access it online. The physical card will be mailed within 5 to 10 business days.
If Rejected:
You will receive an email explaining the rejection. Since 1822direkt is more flexible than some traditional banks, rejections are less common.
If rejected, you may try again after a few months if your credit situation improves.
If Pending:
1822direkt may request additional documents. You will receive an email explaining what is needed. Send the documents quickly to speed up the process.
After Approval: First Steps
Access Your Online Account
As soon as you are approved, you can access your account through the 1822direkt website or app.
Configure Your Preferences
Set up notifications and preferences.
Understand Your Balance And Limit
Your credit limit will be provided. Use it responsibly.
Wait For The Physical Card
The card will arrive within 5 to 10 days. While waiting, you may use the digital version in the app for online purchases.
Activate Your Card
When it arrives, activate it according to the instructions (usually through the app or by phone).
Set Up Apple Pay Or Google Pay
Add your card to these systems for fast digital payments.
Make Your First Purchase
Test the card at a familiar store.
Common Questions
How Long Does Everything Take?
Application response: 1 to 3 business days. Card delivery: 5 to 10 business days after approval.
If Rejected, Can I Apply Again?
Yes, but wait a few months.
What Is My Limit?
It depends on your credit analysis. You will know after approval.
How Does The Free Usage Work?
Use the card at least once per year to keep it free. Otherwise, a 29.90€ annual fee applies.
Can I Withdraw Money For Free?
Yes, at any Sparkasse ATM across Germany.
Does It Work Abroad?
Yes. Visa is accepted worldwide.
Is It Safe For Online Shopping?
Yes. It uses 3D Secure, two-factor authentication, and instant notifications.
Do I Need A Bank Account First?
No. 1822direkt opens the account for you during the process.
Does The Application Affect My Credit Score?
Yes, slightly. Avoid multiple applications at the same time.
Is There A Spending Limit?
Yes. Your limit is individually determined based on credit analysis.
What If I Need Support?
You can contact support by phone, app chat, email, or other methods.
Is There A Rewards Program?
Generally, there is no standard cashback or rewards program.
Final Tips To Improve Your Chances
- Organize your documents in advance
- Make sure all information is accurate and consistent
- Resolve outstanding debts before applying
- Avoid multiple applications in the same month
- Check your Schufa profile before applying
- Keep your address and accounts stable for several months
- Use an email you check regularly
- Ensure a stable internet connection for VideoIdent
- Consider having a Sparkasse account beforehand if possible
Conclusion
Applying for the 1822direkt Visa Card is an extremely simple and fast process. If you meet the basic requirements, your chances of approval are very high because 1822direkt is relatively flexible.
The best part is that applying costs nothing, the process is very fast (often with a response within 1 to 3 days), you can use the digital card almost immediately after approval, and within days you receive the physical card benefits.
If you live in Germany, want a card without mandatory annual costs (only if unused), value digital security, need free Sparkasse withdrawals, and want a simple process without bureaucracy, the 1822direkt Visa Card is definitely one of the best options available.
For students, it is an excellent entry point into the German financial system. For professionals, it offers practicality. For immigrants, it is an easy and reliable solution.
This is the smart choice if you want efficiency, simplicity, and security without mandatory costs.
