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The FLORIN+ Mastercard offers practical features for people living in Germany.
It combines flexible payments with digital card management.
The card can be useful for everyday purchases and online payments.
One highlight is the digital card, which can be available shortly after approval.
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Customers can also use supported mobile payment services.
There is no annual fee, while other transactions may have specific costs.
The credit limit can reach €4,000, depending on the applicant’s financial profile.
Before applying, it is important to understand the fees, requirements, and repayment options.
You can also compare its features with your usual financial needs.
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Below, check the main features and see whether the card matches your needs.
Key Advantages of the MyWage FLORIN+ Mastercard
The card brings together features designed to make everyday payments more flexible.
Among the main benefits are:
- No annual fee: there is no recurring annual charge.
- Digital card: the card can become available digitally after approval.
- Mobile payments: compatible cards can be added to Apple Pay and Google Pay.
- Physical card: the physical version is delivered separately.
- Credit limit: the available amount can reach €4,000, depending on the assessment.
- Possible limit increase: responsible use may support a future increase.
- Interest free period: full repayment can provide up to seven weeks without interest.
- Installment option: partial repayment is possible, but interest applies.
- Online security: 3D Secure adds protection to eligible online purchases.
- Eurozone purchases: payments in euros have no currency conversion charge.
- International use: purchases outside the eurozone carry an additional fee.
- Cash withdrawals: ATM transactions have a 3% fee, with a €3 minimum.
FLORIN+ Mastercard Costs, Fees, and Main Terms
Before applying for the FLORIN+, it is important to understand the main charges.
The table below summarizes the current conditions:
| Service | Standard condition |
|---|---|
| ATM withdrawals | 3% per withdrawal, minimum €3 |
| Annual fee | €0 |
| Credit limit | Up to €4,000 |
| Eurozone purchases | €0 currency conversion fee |
| Purchases outside eurozone | 2.99% |
| Effective annual interest | 24.6% |
| Installment payment | Available, with interest |
The FLORIN+ has no annual or maintenance fee, which can help reduce recurring costs.
What You Need to Get the Card
The application is completed online and includes identity verification.
To request the FLORIN+, applicants must meet basic requirements:
- Online application: the request starts digitally.
- Identity verification: a smartphone and valid identification document are required.
- Credit assessment: approval depends on the available financial information.
- Residence: you must live in Germany.
- Minimum age: applicants must be at least 18.
- Income: regular net employment income of at least €500 per month is required.
- Employment: an existing employment relationship is required.
The current official information also states that applicants must not have negative SCHUFA entries.
Can You Get the Card with a Limited Credit History?
People with a limited credit history may wonder whether they can apply for FLORIN+.
However, approval is still subject to the provider’s credit assessment.
The current requirements state that applicants must have no negative SCHUFA entries.
Therefore, having a limited credit history is not the same as having negative entries.
The final decision depends on the individual assessment.
How the FLORIN+ Mastercard Protects your Transactions
The FLORIN+ combines digital management with features designed to protect card use.
Among the main security features are:
- App management: card information and activity can be managed digitally.
- Mobile payments: Apple Pay and Google Pay are supported.
- 3D Secure: adds an extra verification layer for online purchases.
- Digital monitoring: transactions can be followed through digital tools.
The current product information identifies Bank DiMare Limited, formerly Novum Bank Limited, as the issuer.
Who Can Benefit from the FLORIN+ Mastercard?
The card may appeal to people looking for:
- No annual fee, avoiding a recurring maintenance charge.
- Digital application, without depending entirely on branch service.
- Fast digital access, subject to approval.
- Mobile management, making transactions easier to monitor.
- Flexible repayment, including installment options.
- Eurozone convenience, with no currency conversion charge for euro purchases.
- Mobile payments, through Apple Pay and Google Pay.
These features make the FLORIN+ particularly relevant for customers who prefer managing card activity digitally.
Special Offers from the FLORIN+ Mastercard and MyWage Platform
MyWage may present promotional offers connected to its financial products.
These campaigns can change, so customers should check the current terms before relying on a promotion.
| Type of offer | Availability | Note |
|---|---|---|
| Welcome promotion | May be available | Depends on the active campaign |
| Cashback | Not a permanent feature | No fixed integrated cashback program |
| Travel insurance | Not included | Not listed as a standard card benefit |
Promotional conditions can change over time and may include specific eligibility requirements.
Therefore, always review the current offer details before applying.
Conclusion
The FLORIN+ combines digital management, flexible payments, and no annual fee for eligible customers.
Its virtual card can provide quick access to payments before the physical version arrives, making it useful for online purchases.
The credit limit can reach €4,000, depending on the applicant’s individual assessment and financial profile.
Before applying, check the fees, interest rate, credit limit, and eligibility requirements carefully.
This makes it easier to decide whether the card fits your financial routine and payment needs.
