Anúncios

If you live in Germany and are looking for a traditional credit card with flexible installment options, in-person support when needed, and strong security features, this guide was made for you. Here’s everything you need to know about applying for the Targobank Classic Visa Card, from the basic requirements to how the card works in practice.

Why Apply For This Card?

Before getting started, it’s important to understand why many people choose the Targobank Classic Visa Card. The card offers flexible installment payments, works in millions of establishments worldwide, provides full digital management through an app, offers in-person support in more than 300 branches across Germany, and is issued by a respected and established financial institution.

Another important advantage is the ability to visit a physical branch whenever you need help with more complex situations or want to speak directly with a banking advisor.

However, approval is not automatic. Targobank checks your credit history through Schufa and evaluates your financial situation. If you have unpaid debts or severe credit restrictions, your application may be rejected.

What You Need To Know Before Starting

You can apply for the Targobank Classic Visa Card either online or in person. The online process usually takes around 20 to 30 minutes to complete. You will need:

A computer or smartphone
Internet access
A valid identification document
A German phone number

The overall process is moderately fast. You may receive a decision within a few business days. If approved, the physical card is typically delivered by mail within 7 to 14 business days.

An important detail: you do NOT necessarily need a Targobank bank account to apply for the card, although having one makes account management and transactions much easier. The card can be requested as a standalone product.

Mandatory Requirements To Apply

To apply for the Targobank Classic Visa Card, you must meet the following requirements:

Residence In Germany

You must officially live in Germany and have a valid registered address. Foreign residents may need an appropriate visa or residence permit.

Minimum Age

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

Valid Identification Document

You will need an official document such as:

German ID card (Personalausweis)
German passport
European passport

The document must be valid and up to date.

German Phone Number

A German mobile phone number is required for SMS verification codes during the process.

Acceptable Credit History

Targobank checks your Schufa records before approval. The bank is generally stricter than some digital banks, so your credit history matters.

Valid Email Address

You need a working email address to receive updates and communications.

Stable Financial Situation

Although there is no officially published minimum income requirement, having stable formal income significantly improves your chances.

What Improves Your Approval Chances

Now let’s look at the factors that can greatly improve your approval chances.

Clean Credit History

This is the most important factor. If you consistently pay bills and loans on time, your chances increase considerably.

Stable Employment

Having a stable job for several months demonstrates financial reliability. The longer you stay at the same job, the better.

Active Bank Account

A bank account with regular salary deposits and transactions shows financial stability.

Few Recent Credit Applications

Submitting too many applications within a short period may lower your chances.

Stable Address Registration

Living at the same address for several months helps build trust.

Higher Income

Monthly income above approximately €2,000 generally improves approval odds.

Accurate And Consistent Information

All information provided must exactly match your documents and Schufa data.

No Outstanding Debts

Resolving unpaid debts before applying can significantly improve your chances.

Living Near A Targobank Branch

Being close to a branch may slightly improve your profile.

Where To Apply For The Targobank Classic Visa Card

There are several ways to apply:

Official Targobank Website

Visit the official Targobank website and go to the credit card section. This is the safest and most common method.

Physical Branch

You can visit a Targobank branch in person and apply directly with assistance from a representative.

Phone Application

You may also contact Targobank customer support by phone for assistance with the application.

Targobank App

Existing users may be able to start the process through the mobile app.

Email Contact

You can contact a local branch by email, although online applications are usually faster.

Avoid third-party websites promising guaranteed approval.

Step-By-Step: How To Apply

Step 1: Visit The Official Website Or A Branch

Go to the Targobank website or visit a nearby branch.

Step 2: Find The Credit Card Section

Locate the Classic Visa Card application page.

Step 3: Start The Application

Click the application button to open the online form.

Step 4: Enter Your Personal Information

You will need to provide:

Full legal name
Date of birth
Nationality
Passport or ID number
Email address
German phone number
Full address and postal code
Housing information

Fill everything carefully.

Step 5: Employment Information

You will be asked about:

Employment status
Employer name
Profession
Monthly income
Time at current job

Be completely honest.

Step 6: Additional Financial Information

You may also need to provide:

Other bank accounts
Existing debts
Recent credit applications
Whether you already bank with Targobank

Step 7: Credit Check Authorization

You must authorize Targobank to access your Schufa information.

Step 8: Final Review

Review all information carefully before submitting.

What Happens After Your Application

Processing Time

Applications are usually reviewed within 2 to 7 business days.

Notifications

You’ll receive updates by email during the process.

If Approved

You will receive a confirmation email
Your credit limit information will be provided
The physical card will arrive within 7–14 business days

If Rejected

You will usually receive an explanation. Common reasons include:

Negative credit history
Too many recent applications
Inconsistent information

You may try again after 3 to 6 months.

If Additional Documents Are Required

Targobank may ask for more documentation before final approval.

After Approval: First Steps

Receive Your Card

The card is delivered by mail within approximately 1–2 weeks.

Activate The Card

Activation is usually completed through the app or by phone.

Set Up The Mobile App

Download and configure the Targobank app to manage your card and account.

Learn Your Credit Limit

Your initial limit will be communicated after approval.

Configure Installment Preferences

You can manage installment settings through the app or customer support.

Make Your First Purchase

Start with a simple transaction to test the card.

Common Questions

How Long Does The Entire Process Take?

Application review: usually 2–7 business days.
Card delivery: around 7–14 business days after approval.

Can I Apply Again If Rejected?

Yes, but it’s recommended to wait 3–6 months.

What Will My Initial Credit Limit Be?

It depends on your financial profile and credit analysis.

How Do Installments Work?

You can split purchases into installments. Interest is applied according to your contract terms.

What Is The Interest Rate?

Rates vary depending on your contract and profile.

Can My Credit Limit Increase?

Yes. Responsible usage and on-time payments can lead to higher limits.

Is There An Annual Fee?

Yes. The card generally charges an annual fee of €30, although promotions may waive the first year.

Do I Need A Targobank Account?

No, but having one makes management easier.

Does Applying Affect My Credit Score?

Yes, slightly. Avoid multiple applications in a short time.

Can I Use The Card Abroad?

Yes. Visa is accepted worldwide.

Final Tips To Improve Your Chances

Organize your documents beforehand
Ensure all information is accurate
Resolve outstanding debts before applying
Avoid multiple applications in the same month
Check your Schufa information beforehand
Maintain stable address registration
Use an email address you check regularly
Have recent payslips ready if requested
Consider visiting a branch personally

Conclusion

Applying for the Targobank Classic Visa Card is a relatively straightforward process that combines digital convenience with traditional banking support.

If you meet the requirements and have a good credit history, your approval chances are solid. The card is especially attractive for people who value flexible installment payments and access to physical branch support.

For newcomers in Germany who want to build their credit history, the card can also be a strong option because it combines digital tools with personalized assistance from a respected institution with hundreds of branches across the country.

Although the annual fee of €30 exists, many users consider it worthwhile for the flexibility and support provided.