paydirektpaydirekt

Germany E-wallet Foreigners restricted Not a bank · not insured ★ 3.7

Open on official site ↗

Operatorpaydirekt GmbH (backed by German Sparkassen and cooperative banks)

Minimum top-upNo separate top-up; debited from linked account

Main feesFree for buyers; debited from linked account with no extra fee (FX depends on underlying account).

Local bank neededLink a German local bank account/card

How to sign upOnline — register, link a German account, pick paydirekt at checkout

Sign-up timeMinutes to register with a German account

Data baseline 2026-10. Editor-verified, but rules change — confirm with the official site before applying. Data transparency →

About this wallet

A German banking-backed payment wallet — a "local PayPal" keeping data in Germany, paying at thousands of merchants without sharing card numbers.

!Not a bank. paydirekt is a German payment institution; funds are segregated by partner banks and are not covered by deposit insurance.

Can foreigners or tourists open it?

Limited. Targets German local accounts; foreigners need a German account and address; foreign cards usually unsupported.

Advantages

German-local, compliant
Free for buyers, direct debit
No card number shared with merchants

Limitations

German accounts mostly
Low availability for foreigners
Less international than PayPal

What you need

Email
German local bank account (PostIdent/video ID)
German address

No separate top-up; debited from linked account｜Free for buyers; debited from linked account with no extra fee (FX depends on underlying account).

How to sign up

Register at paydirekt.de
Verify via PostIdent
Link a German account
Pay with paydirekt at checkout

Limits & protection

Per-transaction/daily limits by account and merchant — official

FAQ

Can a foreigner or tourist open paydirekt?

Limited. Targets German local accounts; foreigners need a German account and address; foreign cards usually unsupported.

Do I need a local bank account or a local phone number for paydirekt?

Local bank account: Link a German local bank account/card. Items typically needed: Email; German local bank account (PostIdent/video ID); German address.

What documents are required to open paydirekt?

Typically: Email; German local bank account (PostIdent/video ID); German address.

How do I sign up for and top up paydirekt?

How to sign up: Online — register, link a German account, pick paydirekt at checkout (Minutes to register with a German account). Steps: 1) Register at paydirekt.de 2) Verify via PostIdent 3) Link a German account 4) Pay with paydirekt at checkout Fees: Free for buyers; debited from linked account with no extra fee (FX depends on underlying account).

Are there limits on paydirekt? Is the balance deposit-insured?

Per-transaction/daily limits by account and merchant — official

Ready? Open it officially

E-wallet rules change often — always follow the latest instructions in the official app.

Open on official site ↗ We charge no fees and cannot guarantee approval — always apply through official channels.

Other e-wallets

All e-wallets Bank accounts Opening guide