The Advanzia Bank Mastercard Gold is a no-fee credit card offered by Advanzia Bank S.A., a European digital bank based in Luxembourg.
This card is popular in countries like Germany, Austria, France, and Spain, known for its zero annual fees, no foreign transaction charges, and up to 7 weeks of interest-free credit.
It’s particularly appealing to travelers and online shoppers seeking a cost-effective credit solution.
What Is the Advanzia Bank Mastercard Gold?
The Advanzia Bank Mastercard Gold is a credit card designed for individuals seeking flexibility and cost savings.
Key features include:
- No annual fee
- No foreign transaction fees
- Up to 7 weeks of interest-free credit
- Complimentary travel insurance
This card is available without requiring a new bank account, making it accessible to a wide range of customers.
Key Features and Benefits
Be attentive:
- No Annual Fee: The card is permanently free of charge, with no hidden costs.
- No Foreign Transaction Fees: Ideal for international travel and online shopping abroad.
- Interest-Free Credit: Enjoy up to 7 weeks of interest-free credit on purchases, provided the balance is paid in full by the due date.
- Travel Insurance: Includes complimentary travel insurance when at least 50% of the trip cost is paid with the card. My German Finances
- Worldwide Acceptance: Accepted at over 35 million locations and 2 million ATMs globally.
- Customer Service: 24/7 customer support is available.
Travel Insurance Coverage
The card offers complimentary travel insurance, activated when at least 50% of the trip cost is paid using the Advanzia Bank Mastercard Gold.
Coverage includes medical emergencies, trip delays, baggage loss, and accident insurance.
It’s essential to review the full insurance terms provided by Advanzia.
Mobile App and Online Services
Advanzia offers a user-friendly mobile app for card management, allowing users to:
Check account balance and available credit, view transactions and statements, and confirm online purchases securely.
The app enhances the convenience of managing your credit card on the go.
Interest Rates, Repayment Terms & Fees
Monitor monthly statements and payment deadlines to avoid interest charges.
- Interest-Free Period: Up to 7 weeks if the full balance is paid by the due date.
- Interest Rate: If the balance is not paid in full, an interest rate of 23.89% APR applies.
- Cash Withdrawals: No fees are charged for cash withdrawals; however, interest is accrued immediately from the withdrawal date.
- Late Payments: No late fees are charged, but interest accrues on unpaid balances.
How to Apply Online
To be eligible for the Advanzia Bank Mastercard Gold, you must be at least 18 years old and reside in Germany or another eligible European country.
A steady and verifiable income is required, along with a good credit score.
Applying is fully digital and can be completed in about 10–15 minutes. Here’s a breakdown of the application in four clear phases:
1. Provide Personal Information
On the official application page you will be prompted to:
- Enter your full name, date of birth, and email address
- Provide your home address and residency details
- Indicate your employment status, monthly income, and housing situation
- Optionally provide IBAN and banking information for verification (not mandatory)
Note: Make sure all data is accurate. Incomplete or inconsistent information may lead to application delays or rejection.
2. Identify Yourself via Digital ID and Face Scanning (VideoIdent)
After submitting the form, you’ll be redirected to a digital identification process, usually via WebID or PostIdent
You’ll need a valid national ID or passport. The system will request live video verification, which includes displaying the ID and performing head movements.
A short facial scan confirms biometric identity. This process ensures compliance with EU Anti-Money Laundering (AML) and Know Your Customer (KYC) regulations.
3. Accept Terms and Conditions
Once your identity is verified, you’ll need to review the general terms and conditions (AGB) of Advanzia Bank
Confirm your understanding of the interest rates, repayment terms, and insurance conditions
Accept any optional offers (such as receiving promotional info – this is not required for approval)
4. Digitally Sign the Application
The final step is your digital signature, which legally binds the agreement. This step:
May use a qualified electronic signature (QES) linked to your ID. Confirms you authorize Advanzia Bank to process your data and issue the card
After this, you’ll receive a confirmation email. If approved, your card will arrive by postal mail within 7–10 business days.
Comparison: Advanzia Bank Mastercard Gold vs. Competitors
Consider:
| Feature | Advanzia Mastercard Gold | DKB Visa Card | Barclays Visa Card (Germany) | N26 Mastercard (Standard) |
|---|---|---|---|---|
| Annual Fee | €0 – permanently | €0 (conditions apply*) | €0 | €0 |
| Foreign Transaction Fees | None | 0% (if “Active Customer”), otherwise 1.75% | None | 1.7% for Standard plan |
| Interest-Free Period | Up to 7 weeks | Until statement due date (approx. 4 weeks) | Up to 59 days | N/A (prepaid) |
| Travel Insurance | Included if travel booked with card | No (only with premium plans) | No | No |
| Installment Plans | ❌ Not available | ✅ Available | ✅ Available | ❌ Not available |
| Cash Withdrawal Fee | €0, but interest from day 1 | Free in Eurozone (DKB ATMs), elsewhere 1.75% | Free, but subject to limits | €2 or more |
| Interest Rate (APR) | ~23.89% (variable)** | 10.25% (as of 2025) | 18.38% | N/A |
| Application Requirement | No bank account needed | Must open DKB account | No account needed | Must open N26 account |
| Mobile App | Basic features | Advanced app + banking | Full app integration | Full digital app |
Pros and Cons Summary
Pros:
- No annual or foreign transaction fees.
- Up to 7 weeks of interest-free credit.
- Complimentary travel insurance.
Cons:
- High interest rate if the balance is not paid in full.
- Interest accrues immediately on cash withdrawals.
- No installment payment option.
Bank Contact Information
For inquiries or assistance:
- Address: Advanzia Bank S.A. 14, Rue Gabriel Lippmann L-5365 Munsbach, Luxembourg
- Phone: +352 26 38 75 00
- Email: info@advanzia.com
- Website: www.advanzia.com
Customer service is available 24/7 to assist with any questions or concerns.
Conclusion
The Advanzia Bank Mastercard Gold is an excellent choice for individuals seeking a no-fee credit card with travel benefits and worldwide acceptance.
By understanding the terms and managing repayments responsibly, cardholders can maximize the benefits while avoiding interest charges.
Disclaimer: This article is for informational purposes only and does not constitute financial advice. Interest rates and terms may vary. Always consult the official Advanzia website and read the full terms before applying.
