Credit card abroad (Brazil)?
Hey, I'm flying to Brazil for a year soon and need a card to pay with there. What options are there?
I can't apply for a credit card at my main bank (Postbank) until my departure because they are currently in the process of changing their bank account.
I was also thinking about applying for a card on site, if possible.
I’d drive two.
Looking for a German bank that offers you good conditions abroad, so no fees for numbers and withdrawals in foreign currencies and no restrictions such as 3 times free of charge per month or something ideally no annual fee.
There are comparative pages online which bank holds. what offers.
Then you can write bankers there at the same time and ask if you can open an account with your visa with credit card, which you need to bring beforehand, etc.
The German credit card will secure you when the process on site lasts longer or makes problems.
The map before location secures you when the card is lost or stolen and when you arrive in the country if that goes with the visa.
Supplement: You can also get a credit card without switching to another bank (e.g. Barclays).
If you choose one of the free credit cards in DE, make sure that the amount used is automatically and 100% recovered by the KK company.
In case of partial payment, high interest rates are incurred and whether you can transfer amounts from the German bank account to the credit card account from abroad is not always secure.
I’d favor the KK of Barclays Bank here.
Can I also apply for Barclays in Brazil?
I’d rather do it here. The card is sent to your address.
Or there is also the possibility to open an account via internet banks such as REVOLUT, then you will also get an IBAN and a credit card that you can simply add to your wallet and thus pay.
Amex and Visa are known and accepted everywhere in Brazil.
would make one before location, otherwise you will have to pay exchange fees constantly.
to open an account, deposit money and then link the credit card.
can I open an account on site if my residence is in DE?
that depends on the bank. I know it works differently. a Brazilian colleague has made an account for the duration of his stay here. he also had a fixed, German address.
No, he only has to choose a card that does not apply for foreign registration fees. Without a permanent residence there, he will probably not be able to open an account at all.
exchange rate and foreign use are 2 different things…
Why shouldn’t that go, and why shouldn’t that be the cheapest way? You don’t understand me, so just leave it.
Yeah, I’ll write that up:
No, because this has to be done for the first time (is already questionable whether it is going to happen at all) and to deposit money in national currency it is converted exactly as (or to a worse course).
All credit cards known to me are converted to the current official course without notice. This is precisely why some providers require a foreign fee. I prefer to inform myself here about the terms of my credit card rather than opening an account in a foreign country where I have no permanent residence. Apart from the fact that it takes time and you have to pay anyway.
“There are no additional fees like the change switch.”
-> this depends on the credit card agreement. In some cases up to 2.2% are used in foreign currency.
depending on the bank and the credit card courses are among other things higher. with an account in national currency one is most convenient.
Credit cards are always converted to the official daily course, as there are no additional fees such as the change switch.
I’ll ask you, thank you.
Get a Visa credit card where no foreign deposit fees apply, such as one of Barclays.
I have a free VISA card to add to the Ing account.
Check out the recommended maps:
https://www.finanztip.de/kreditkarten/kreditkarte-ausland/