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Are you among the majority of taxpayers who file their tax returns in December? What if we tell you it isn’t a good idea? To start filling in your tax return at the beginning of the year is much better, and in this article we explain why.
With Axxess you will automatically receive a debit card, and from the age of 15 you can apply for your first credit card. Do you already have a payment card – debit or credit? Do you know the difference?
Visa Debit is a debit card, i.e. every payment made and every cash withdrawal is deducted immediately, or within a couple of days at the most, from the linked current account. The available balance in the current account is therefore continuously updated, allowing the customer to manage their expenses optimally.
The "Axxess" debit card is intended for young people aged between 12 and 30 years. It is provided free of charge as part of the Axxess Start, Study and Job banking packages. In addition to all the features of a "normal" debit card, it offers extra-banking benefits, such as discounts with Spuerkeess partners.
The credit cards offered by Spuerkeess (Visa Classic, Visa Premier, Miles & More Luxair Visa) offer the same functions as the Visa Debit debit card (in-store and online purchasing and cash withdrawal).
Amounts spent with a credit card are deducted from the linked current account in one go, generally at the beginning of the following month. The maximum amount that the customer can spend depends on their personal situation.
There are many different sorts of credit card, notably Visa, Mastercard, Diners Club or American Express. The first two in this list are the most widely accepted, and Spuerkeess offers Visa cards exclusively.
Payment cards (debit and credit cards) can now be issued instantly. If you have an S-Net or S-Net Mobile agreement, your payment card can be used as soon as it is ordered, so you don’t have to wait.
As soon as you have ordered your card, you can make online purchases and add your new card to your Apple Pay wallet.
Any customer can manage their bank cards in their S-Net/S-Net Mobile, i.e.: