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PayCenter

Alternatives & competitors

kosten.org
RATING
SATISFACTORY (4.0)
40 out of 100
As of 03/2026
Analysis of service data
and customer reviews
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Alternatives to PayCenter

We have checked 4 Credit card providers that are an alternative to PayCenter. PayCenter scores 40 out of 100 points in our rating. 2 providers score higher, led by easybank (ehemals Barclays) with 74 points (34 points ahead).

1
easybank (ehemals Barclays)
easybank (ehemals Barclays)
Free Visa credit card with partial repayment and a 0% interest promotion.
34 points higher in our rating
kreditkarte BaFin
74 /100
Good (2.3)
2
gebührenfrei.de
gebührenfrei.de
Free Mastercard Gold with a travel insurance package from Advanzia Bank.
28 points higher in our rating
kreditkarte
68 /100
Good (2.6)
3
BBVA
BBVA
Spanish major bank that has entered Germany since 2025 as a purely digital bank with an interest-bearing current account and call money.
also Instant-access savings, Bank / current account
tagesgeld bank
Not rated
4
Hanseatic Bank
Hanseatic Bank
Hamburg private bank owned by Société Générale and Otto Group with instalment loans, credit cards and savings products.
also Bank / current account, Loan, Instant-access savings
bank kredit BaFin
Not rated

FAQ: alternatives to PayCenter

What is the best alternative to PayCenter?

easybank (ehemals Barclays) – with 74 out of 100 points the highest-rated alternative and therefore 34 points ahead of PayCenter (40). easybank (ehemals Barclays): Free Visa credit card with partial repayment and a 0% interest promotion.

Why look for an alternative to PayCenter?

Our rating found these weaknesses at PayCenter: Monthly fees; Expensive cash withdrawals; No extras or bonus programme. If any of them is a deal-breaker for you, it is worth looking at the 4 alternatives on this page.

What speaks for PayCenter?

PayCenter scores with: No credit check needed; BaFin-regulated; Protection against over-indebtedness through prepaid. That adds up to 40 out of 100 points. If this matters to you, you will hardly find anything better among the alternatives.

Which alternatives to PayCenter are BaFin-regulated?

Of the 4 alternatives, easybank (ehemals Barclays), Hanseatic Bank are supervised by BaFin (the German financial regulator).

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4
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