The e-money institute
Pay Here
- Easy account opening possible online
- No SCHUFA information necessary
- Competent customer support
- Certified security standards
Your expert for prepaid master cards , accounts without SCHUFA , P accounts and mobile payment methods.
Our products
Open an account online now or order a debit credit card.
Your advantages with Pay Here
Adapted to your needs.
Credit-based accounts
All of our prepaid debit credit cards are based on a credit principle. There is no risk of debt.
Schufa-free
Pay Here does not transmit any data to SCHUFA. We enable you to have an account without SCHUFA .
P-accounts expert
Your Pay Here account can be converted into a seizure- proof account at any time . Our trained staff is always at your side with advice and action.
Contactless payment with the plastic card
With your plastic card you can conveniently pay contactless at any NFC-enabled payment terminal.
Your expert for P accounts
You can convert your Pay Here account into a seizure- proof account at any time and without an appointment with a bank advisor. After opening the account, this can be done easily via the online area.
In the event of a garnishment, you can then have a monthly garnishment allowance. If there is an obligation to maintain or receive child benefit, this exemption can be increased with an original certificate.
In just a few steps to the Pay Here account
Open your account quickly and easily online.
to register
recharge card
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Order card
"You will receive personal and compact advice from certified service providers."
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The Pay Here advisor
Current updates from the areas of seizure protection, credit cards, Schufa, online banking and much more.
How does an account attachment work?
The most important thing at a glance: An account attachment can threaten the existence if one does not act in time. Here the existing credit is completely frozen on the current account.
Account termination due to garnishment?
The most important thing at a glance: The conversion into a P-account is generally recommended. The account can be used in full and is automatic in the event of an account attachment
When is an account attachment valid?
The most important thing at a glance: In order to obtain an attachment of an account, a court attachment order must be served on the debtor. In addition, an application for attachment of the account must be submitted to the court of enforcement
P account: garnishment of cars
The most important things at a glance: In order to secure the subsistence level, objects that are needed in everyday life or for the exercise of the profession cannot be seized. Luxury items
P account: With overdraft facility / credit
The most important thing at a glance: The overdraft facility is a possibility of an overdraft. The amount of the disposition limit depends on the creditworthiness and incoming funds of the person concerned
P-Account: Transfer the tax exemption to the following month
The most important things at a glance: In principle, it is possible to carry over the remaining tax allowance to the following month. However, if this amount is not used up in the following month, it goes on
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