Free current account

  • Can I overdraw my account?

    No, the account is managed on a deposit basis. Therefore, an overdraft is not permitted.

  • How long does it take to get credit on my account?

    It usually takes 1-2 banking days for the money to be credited to your account. (1 day processing time sender bank, 1 day processing PayCenter as the recipient bank).

  • How can I top up my account?

    You can top up your PayCenter account simply by transfer. Either from your own second checking account or from another person, e.g. through your employer for wage and salary payments. You can find the account details (IBAN, BIC) in your personal online area. You can also send money to your accou...

  • When is my account active?

    After you have completed your order online, you will receive an email with the access data for the banking portal ( After successfully logging in, you will first be asked to enter your individual password in order to be able to use the banking portal in the future. You...

  • Data protection

    Your data is in good hands with us. We handle it with care and adhere to all regulations in the General Data Protection Regulation. Further information: Precise information on this subject is provided in the privacy policy, which you can find in the "Legal documents" section (https://loverscard.x...

  • Credit check

    A credit check or Schufa inquiry is not carried out as part of the card order process. Proof of salary is also not required. The "LoversCard“ Debit Mastercard® is available to anyone.1 1 18+ and residence in Germany

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