Online banking for everyone

Online account

Online banking for everyone

Online account

Online banking for everyone

Online account

Your advantages

With Pay Here you can open an online account at any time without a SCHUFA notification . You can use familiar account functions such as direct debits, transfers and standing orders and also receive a prepaid credit card on a credit basis.

Online account with current account function

After opening an online account at Pay Here, you will receive your own German account number and comprehensive online account functions for the entire SEPA area. Carry out SEPA transfers, SEPA direct debits and SEPA standing orders very easily with the Pay Here accounts. With your new IBAN and BIC you can of course also make international transfers.

In addition to your online account, you will also receive your own credit card on a credit basis. Debt or overdraft on the prepaid Mastercard is reliably prevented thanks to the credit principle. With your prepaid Mastercard, you have the option of paying at home and abroad and withdrawing cash as usual at the ATM.

In just a few steps to your own online account

Open your account quickly and easily online.

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to register
Register online for the online account within a few minutes.
recharge card
Load your new prepaid debit Mastercard with the desired credit.
Legitimize
You can legitimize yourself conveniently via the VideoIdent procedure or with the German Post.
Order card
Choose a PIN of your choice and design your card in the design of your choice.
to register
Register online for the online account within a few minutes.
1
recharge card
Load your new prepaid debit Mastercard with the desired credit.
2
Legitimize
You can legitimize yourself conveniently via the VideoIdent procedure or with the German Post.
3
Order card
Choose a PIN of your choice and design your card in the design of your choice.
4th

At Pay Here you can open your online account online - quickly and easily.

All information about the online account

Just click on any of the questions to get the answer. If you have any questions, please contact our support hotline .

The online account is topped up by bank transfer. In addition, money can be transferred to your account by depositing cash. To do this, you pay cash to your credit card and thus to your account at the ATM.

Every consumer has the right to have his account converted into a P-account . Your bank is obliged to offer the conversion of the account free of charge. It is possible to have your account converted into a P-account, even if there is no threat of attachment by a creditor. The account can still be used in full. You and your money are instantly protected in the event of an unforeseen attachment.

In the event of a seizure or if you want to protect your money early on, you can convert your account at Pay Here into a P-account yourself in the online area - without an appointment or a bank advisor.

If you are looking for a garnishment protection account, you can open an account online at Pay Here within a few minutes and immediately convert your account into a P-account. Information from SCHUFA is not required for this. With the P-Account you are protected against attachment and, thanks to the statutory exemption, you can continue to pay your bills.

Yes, you can confirm payments quickly and easily using an mTAN on your smartphone. You can also use various SMS commands to have information about your online account sent to your mobile phone.

A valid email address and a secure password are required to register your online account. These data then serve as login data for your personal online area. You should therefore always make a note of these and never pass them on to unknown third parties in order to prevent unauthorized use.

In the personal, password-protected online area, you can view your new account number and then collect all orders and execute them in one go.

The practical banking Pay Here app enables you to manage and use your online account via your smartphone. All you need is your HBCI-compatible access data. You can use the usual current account functions such as transfers, direct debits and standing orders as usual via the app.

You can also use other financial applications with the Pay Here login data, provided they support the HBCI standard.

Further products

Our offer: Find the perfect account for your current life situation.

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With the Schufa-free garnishment protection account, the statutory exemption is secured for you in the event of an account garnishment.

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In the case of an account without SCHUFA, no query or information is sent to SCHUFA. This means that the account can be opened even with a bad credit rating.

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With the prepaid principle, the Girocard guarantees you optimal cost control and the option to pay securely at home and abroad.

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In order to enable everyone to have an account, the basic account offers the option of opening an inexpensive current account based on the credit principle.

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Our prepaid credit card can be opened online without a SCHUFA query or credit check. It has worldwide acceptance.

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In order to enable everyone to have an account, the basic account offers the option of opening an inexpensive current account based on the credit principle.

Do you have any questions?

Our support team will be happy to assist you.

To the form

Contact our customer support conveniently using our contact form.

08161 4060 406

Monday to Friday: 7.30 a.m. - 6.30 p.m.
Saturday: 10:00 a.m. - 2:00 p.m.

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