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VIMpay Young review 2026

How good is VIMpay Young really?

40/100 points
kosten.org
RATING
SATISFACTORY (4.0)
40 out of 100
As of 02/2026
Analysis of service data
and customer reviews
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kosten.org editorial team
Last updated: 2026-02-08
40/100
Points

Based on published terms and features

Trustpilot
2.7 out of 5
202 reviews
Google
3.2 out of 5
200 reviews

VIMpay is a Munich fintech that offers various prepaid Mastercard models. The Beginner model – rated here as "VIMpay Young" – is free and usable from age 7. It is the most minimal solution in the comparison: a virtual card with a very limited balance, but completely free.

Highlights of our VIMpay Young review

  • VIMpay Young scores 48/100 points – a free minimal solution.
  • Permanently €0 – no subscription, no hidden costs.
  • Compatible with Apple Pay & Google Pay.
  • Very limited: max. €150 balance, domestic payments only.

Table of contents

1 Costs & plan model

15/20
Points
VIMpay Beginner is completely free: €0 annual fee, €0 replacement card, €0 account closure. No hidden costs. That is the best value for money – if you accept the severe limitations. For an upgrade to higher models (Basic, Comfort, Premium), identification fees (€5-15) and possibly annual fees apply. Scoring (15/20): Free, but the severe restrictions (€150 limit, domestic only) prevent full marks.

2 Cards & acceptance

4/15
Points
Only a virtual prepaid Mastercard – no physical card on the Beginner model (a physical card only from VIMpayGo for €15). The card works with Apple Pay and Google Pay but is restricted to domestic payments. No IBAN. Scoring (4/15): Apple/Google Pay is a plus, but virtual card only, no IBAN, domestic payments only.

3 Financial education & pedagogy

0/15
Points
No financial education features. No savings goals, no task system, no gamification. VIMpay is a pure payment tool. Scoring (0/15): No financial education of any kind.

4 App & usability

7/15
Points
The VIMpay app offers an account overview, push notifications on purchases, snooze mode (temporarily blocking the card) and individual limits. The app is functional but not designed for children. App rating approx. 3.8 stars. Scoring (7/15): Functional app with useful features such as snooze mode. Not child-friendly.

5 Security & parental controls

9/15
Points
Prepaid card with a maximum balance of €150 – the risk is inherently limited. Push notifications for every transaction. Snooze mode allows temporary card blocks. Individual limits can be set. No BaFin regulation as an e-money institution. Scoring (9/15): Good basic security thanks to the low balance limit. Push notifications and snooze mode. No BaFin.

6 Cash & payments

1/10
Points
No cash withdrawals possible on the Beginner model. No IBAN, no sending/receiving money. Top-up only via instant top-up (max. €50/24h). Monthly turnover limit: €150. Scoring (1/10): Severely restricted: no cash, no transfers, very low limits.

7 Customer service

2/5
Points
Email and app support. FAQ section available. No telephone support. Scoring (2/5): Limited support, but acceptable for a free product.

8 Extras & special features

2/5
Points
Snooze mode is a nice feature. Individual limits and push notifications. Free replacement card. No Schufa check. Scoring (2/5): Snooze mode and freedom from a Schufa check are plus points.

Pros & cons at a glance

Pros

  • Completely free – no subscription
  • Apple Pay and Google Pay
  • Available immediately (virtual card)
  • Snooze mode for temporary blocking
  • No Schufa check

Cons

  • Virtual card only
  • Max. €150 balance
  • Domestic payments only
  • No cash withdrawals
  • No IBAN and no transfers
  • No financial education

Conclusion: VIMpay Young review

40/100
Satisfactory (4.0)

VIMpay Young scores 48 out of 100 points and is the minimal solution in the children's account comparison. It is completely free and available immediately – ideal as an entry for young children who are paying contactlessly for the first time. The severe restrictions (€150 limit, domestic only, no physical card) make it suitable only for very simple use cases, however. For a full financial companion for children, DKB, comdirect or Revolut are the better choice.

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