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The FLORIN+ Mastercard offers convenience, control, and useful everyday features.
Looking for a credit card in Germany can be simpler.
It may appeal to those seeking no annual fee and mobile management.
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In this article, you will learn about the main features, costs, and conditions related to the card.
We will also explain the requirements to apply, as well as the security features offered to customers.
Another important point involves the credit limit and the available payment options.
The FLORIN+ is issued by Novum Bank and can be requested by people living in Germany.
The proposal combines digital card, mobile payments, and flexibility.
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Below, check how the card works and see whether its features match your needs.
Main Benefits of the MyWage FLORIN+ Mastercard
The card brings together features that can make purchases and payments easier during everyday life.
Among the main benefits are:
- No annual fee: there is no permanent annual charge to keep the card.
- Immediate digital card: after approval, the virtual version can be used through the app.
- Mobile payments: the digital card can be added to Apple Pay and Google Pay.
- Physical card: the physical version is sent later and may take up to two weeks.
- Credit limit: the amount can reach €4,000, depending on the financial profile.
- Possibility of increase: the limit may increase later with responsible use.
- Interest free period: by paying the entire bill on time, the period can reach seven weeks.
- Installment payment: there is flexibility to pay less than the total amount, but interest will apply.
- Purchase protection: 3D Secure technology helps protect transactions made online.
- Purchases in euros: payments in the eurozone have no additional charge related to conversion.
- International use: purchases in other currencies may generate a small conversion fee.
- Withdrawals: ATM withdrawals have high costs and should therefore be evaluated.
MyWage Mastercard FLORIN+ – Fees, Costs, and Conditions
Before applying for the card, it is important to know its fees and conditions.
The table below brings together the main costs and characteristics reported for the product:
| Service | Standard condition |
|---|---|
| ATM withdrawals | Permitted, with a 3% fee per withdrawal, minimum €3 |
| Annual/monthly fee | Free, with no annual or maintenance fee |
| Earn | Does not have an integrated cashback program |
| Credit limit | Up to €4,000, defined according to the SCHUFA report |
| Purchases outside the country | Permitted, with a 2.99% fee on transactions outside the eurozone |
| Bill | Available, with annual interest of 24.6% on the outstanding balance |
| Additional card | Not available, with only one card allowed per cardholder |
The FLORIN+ does not charge an annual or maintenance fee, which can reduce recurring costs.
Requirements for Card Issuance
The application process is carried out online, with steps focused on identity confirmation.
To apply for the card, the applicant needs to meet some basic criteria:
- Online application: registration can be started digitally.
- Video identification: it is necessary to use a smartphone and present an identification document.
- Credit analysis: approval depends on the information available from credit agencies.
- Residence: the applicant must live in Germany.
- Minimum age: you must be at least 18 years old.
- Monthly income: a net income from employment of at least €500 per month is required.
The analysis considers the available financial information before issuance.
Is it Possible to Get the Card with Credit Restrictions?
Those who have credit restrictions may also be interested in FLORIN+.
However, issuance depends on the analysis carried out during the application process.
Negative information in the credit history may influence the decision regarding approval.
Security and Reliability of the FLORIN+ Mastercard
FLORIN+ is issued by Novum Bank, a financial institution regulated within the European Union.
Among the main security mechanisms available are:
- App management: the card can be managed digitally through the MyWage app.
- Contactless payments: Apple Pay and Google Pay can be used for mobile payments.
- 3D Secure: the technology adds a layer of protection to purchases made online.
- Digital control: card transactions and information can be monitored through your cell phone.
Who is the FLORIN+ Mastercard Suitable For?
The card may make sense mainly for those looking for:
- A card with no annual fee, avoiding an annual maintenance charge.
- Digital application, without relying exclusively on in person service.
- Fast virtual card, available for use after approval.
- Mobile management, making it easier to monitor transactions.
- Payment flexibility, including the possibility of paying amounts in installments.
- Convenience during trips, especially for purchases made in the eurozone.
- Mobile payments, using services such as Apple Pay and Google Pay.
Promotional Benefits – FLORIN+ Mastercard and MyWage Platform
In addition to the card’s features, some promotions may offer benefits to new customers.
These offers depend on specific conditions, links, or promotional periods.
| Type of service | Available with FLORIN+ | Note |
|---|---|---|
| Prizes/vouchers | Possible €50 bonus through Vestonaut for new customers | Affiliate promotion subject to conditions, such as minimum activity and use of a specific link |
| Cashback/refund | Not offered as a permanent integrated program | There is no fixed program listed by MyWage |
| Welcome bonus | Yes, through a special promotion | Verified external €50 offer, with no guarantee of permanent availability |
| Travel insurance | Not included | According to reviews, the card does not offer travel insurance |
Promotions related to the card may change depending on the available campaigns.
Conclusion
The FLORIN+ Mastercard offers convenience and digital management for those living in Germany.
The absence of an annual fee can help reduce recurring card costs.
The virtual card allows immediate use after approval, before the physical card arrives.
Before applying, check fees, interest, limit, and requirements to assess whether the option suits you.
