Representative example, credit amount € 1.500, variable annual nominal interest rate 18,50% (interest rates act reference rate 3,50% + 15,00% margin), APR 20,15%. Payback in 12 equal monthly installments € 137,88 Credit cost € 154,53, total amount payable € 1.654,53.
* Transaction fees may apply for additional services.
The Ferratum Mastercard has your back
The Ferratum Mastercard is your new convenient virtual credit card, with a credit limit of up to €8,000. Your Ferratum Mastercard can be promptly activated at any time, allowing you to get your finances back on track whenever unexpected or planned expenses arise. Our 60 day interest-free payment period lets you buy now, pay later on purchases with an attractive nominal fixed interest rate of 18.50%.
Skip the line
With Ferratum, you'll gain access to your card and credit limit promptly.
Flexible funds
Use as a traditional credit card, or withdraw funds instantly.
Take control
Get your finances back on track for unplanned or emergency purchases.
Fast
Apply, activate, and get to spending with your new Ferratum Mastercard in minutes. Because life's too short for waiting.
Flexible
We value your time and money. Your approved funds are yours, so enjoy the flexibility we offer with secure purchases including instant withdrawals from your Ferratum Mastercard to your bank account directly in the app.
Confident
The Ferratum Mastercard has your back any time the unexpected comes knocking. Get your finances back on track while making smart choices for your future financial health.
Pay later
Every Ferratum Mastercard includes up to 60 days interest-free payment period, giving you more time to repay your credit limit without incurring added costs.
Affordable
The Ferratum Mastercard includes an attractive nominal fixed interest rate of 18.50%.
Green
A virtual credit card means less plastic waste created. Over 400 million tonnes of plastic waste are created per year. Less plastic is always positive for our planet.
Get your card
Hey, the Ferratum Mastercard is ready and waiting for you. Apply and access your funds promptly for any situation.
Step 1
Start your Ferratum Mastercard application any time
Step 2
Get approved for your Ferratum Mastercard in minutes
Step 3
Your Ferratum Mastercard is waiting for you in the app
ELIGIBILITY
Who can apply for a credit card
To apply for your Ferratum Mastercard, we ask you to meet these minimum requirements:
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At least 20 years of age or older
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Continuous employment for minimum 4 months
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Earning regular income of 1,600€ per month or greater
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A good credit standing
How we compare
 |  |
|---|---|
€8,000Maximum credit limit | €9,000Maximum credit limit |
€0Average annual fee | €14Average annual fee |
MinutesActivation time | Up to 5 daysActivation time |
Up to 60 daysInterest-free period | Up to 40 daysInterest-free period |
Fraud protection | Fraud protection |
Worldwide access | Worldwide access |
Google Pay | Google Pay |
Apple Pay | Apple Pay |
| | |
|---|---|---|
Maximum credit limit | €9,000 | €8,000 |
Average annual fee | €14 | €0 |
Activation time | Up to 5 days | Minutes |
Interest-free period | Up to 40 days | Up to 60 days |
Fraud protection | ||
Worldwide access | ||
Google Pay | ||
Apple Pay |
Smart banking starts here