The account for everyone

Basic account

The account for everyone

Basic account

The account for everyone

Basic account

Your advantages

The GutKarte is a credit-based account that can be opened regardless of income or financial circumstances. With a basic account everyone can actively participate in payment transactions.

The everyone's account

The basic account, also known as the Jedermann account, was introduced to enable everyone to have an account. The newly passed law on the basic account is intended to ensure that homeless people, refugees and asylum seekers can also open an account without any problems.

In addition, SCHUFA information is not required to open accounts on a credit basis. You can therefore easily apply for the basic account despite negative SCHUFA entries. Pay Here helps you where others let you down.

In just a few steps to your own basic account

Open your account quickly and easily online.

1
2
3
4th
to register
Register online for the GutKarte 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 GutKarte 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
Register conveniently online and open a basic account.

All information about the GutKarte

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

According to the EU directive, every consumer has the right to a current account in order to participate in cashless payment transactions. With its low fees, the basic account offers the possibility of keeping an account for people in every life situation. In addition, no SCHUFA information is required when opening the basic account. The application for a basic account can only be rejected by the bank in exceptional cases. In addition, the holder of a basic account enjoys special protection against dismissal.

At Pay Here you can apply for your credit account quickly and easily online from home. Thanks to the convenient online account opening, you do not need an appointment with a bank advisor and you avoid long waiting times in the bank branch. Identify yourself with us via PostIdent or VideoIdent. Our account switching service supports you when switching banks.

In your personal online area you can independently convert your basic account into a garnishment protection account free of charge. As soon as a garnishment is present, the statutory allowance to which you are entitled each month is secured. You can still dispose of this amount freely. This amount can be increased individually by means of certificates from the responsible institutions.

It must be noted that each consumer is allowed to have exactly one P-account with exactly one bank. With the management of several P-accounts, there is a risk of termination and criminal prosecution.

With a conventional checking account, an overdraft is possible as part of an overdraft facility. This option is not available for a credit account. A credit account thus offers optimal protection against debt.

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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The online account based on the credit principle offers you conventional current account functions with secure online banking.

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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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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.