Germany, a famous European destination, operates with the Euro (€) as its official currency. Known for its vibrant culture, historical landmarks, and technological hubs, Germany is a popular choice for Indian travellers for tourism, business, or education. However, managing foreign currency expenses can be difficult if you rely solely on cash or traditional banking methods.

Atlys simplifies securing your Germany visa appointment, ensuring it’s scheduled on time and without any hassle.

A Forex card is a preloaded travel card designed specifically for international travellers, offering convenience, security, and cost-effectiveness. For Indians travelling to Germany, a Forex card can make transactions seamless, allowing you to pay for accommodation, food, transportation, and shopping without worrying about fluctuating exchange rates or hidden charges. It works like a debit or credit card but eliminates many hassles associated with carrying cash or using local ATMs.

What are the best forex cards for a Germany trip?

Here are some of the top forex cards available in India that are well-suited for use in Germany:

• AtlysX Multi-Currency Card

• Niyo Global Card

• BookMyForex Forex Card

• HDFC Multicurrency Platinum ForexPlus Card

• Thomas Cook Borderless Prepaid Card

AtlysX Multi-Currency Card

The AtlysX Multi-Currency Card is a convenient and versatile forex card for frequent international travellers. Supporting up to 14 major currencies, including EUR, provides a seamless and cost-effective solution for managing travel expenses.

This card has no issuance fee, allowing users to access its benefits without any upfront charges. It offers zero markup on the first load, enabling you to load funds at real-time exchange rates without hidden fees. Additionally, there are no base currency fees, so you can spend in the local currency of your destination without incurring extra charges. The card can be reloaded anytime during your trip via the Atlys app, offering round-the-clock access to funds. Its extended validity of 5 years makes it suitable for multiple trips over the years. As India’s first fully digital forex card, it simplifies the process by eliminating the need for physical documentation or branch visits, ensuring a smooth and modern travel money experience.

• Issuance Fee: Free (exclusive for Atlys customers)

• ATM Withdrawal Charges: USD 3 per transaction

• Supported Currencies: EUR, GBP, HKD, JPY, NZD, AUD, CAD, and more

• Markup Fees: None (on the first load)

• Exchange Rates: Real-time exchange rates

• Validity: 5 years

• Maintenance Fee: No maintenance charges

Niyo Global Card

The Niyo Global Card is a prepaid travel card designed to streamline international transactions for Indian travellers. You can load funds in Indian Rupees (INR) and use them across multiple foreign currencies, including Euros (EUR), without additional conversion fees. This cost-effective and hassle-free feature makes it the perfect travel companion for German adventures.

• No. of Currencies Supported: 130+ currencies, including EUR

• Cash Withdrawals from ATMs: ₹110 + GST per transaction internationally

• Max. Daily Limit: ₹7.5 lakh for POS and online transactions (ATM limits depend on the local bank or ATM operator)

• Markup Fee: Zero forex markup on supported currencies

• Application Fee: None (free issuance)

• Reload Fee: Free

• ATM Withdrawal Fee: ₹110 + GST per transaction internationally

• Exchange Rate: Competitive Visa exchange rates, no hidden charges

• Customer Support: 24/7 in-app live chat support and emergency assistance

BookMyForex Multi-Currency Forex Card 

The BookMyForex Multi-Currency Forex Card is a prepaid travel card crafted to simplify international transactions for Indian travellers. Supporting up to 14 currencies, including USD, EUR, GBP, and more, it enables smooth spending across over 150 countries, making it a convenient and cost-effective travel solution.

• Number of Currencies Supported: Load up to 14 different currencies, including USD, EUR, GBP, AUD, CAD, SGD, AED, and more, enabling seamless transactions across multiple countries.

• Cash Withdrawals from ATMs: Access cash at ATMs worldwide; fees may apply depending on the ATM operator.

• Maximum Daily Limit: Daily transaction limits are subject to the card issuer's policies; please refer to the official website for specific details.

• Markup Fee: Zero markup on interbank rates, ensuring cost-effective transactions without hidden charges.

• Application Fee: No issuance fee; the card is available without any upfront cost.

• Reload Fee: No charges for reloading the card, allowing for conveniently adding funds as

• ATM Withdrawal Fee: While the card itself may not charge ATM withdrawal fees, some foreign banks and ATMs may impose additional charges for cash withdrawals.

• Exchange Rate: Funds are loaded at exact interbank rates with no markups, providing competitive exchange rates and protecting against currency fluctuations.

• Customer Support: 24/7 customer support is available to assist with any queries or issues during travel. 

HDFC Multicurrency Platinum ForexPlus Card

The HDFC Multicurrency Platinum ForexPlus Card is a highly popular choice among Indian travellers, known for its extensive currency support and outstanding features. Enhanced security through EMV chips and PIN protection ensures a safe and reliable option for your German travels.

• Currencies Supported: 22 currencies, including EUR, USD and GBP, for seamless multi-country use.

• ATM Withdrawals: Available worldwide; fees vary (e.g., USD 2 for USD, EUR 1.50 for EUR).

• Daily Limit: Up to USD 5,000 (currency-specific limits apply).

• Markup Fee: None for loaded currencies; 2% for unsupported currencies.

• Application Fee: ₹500 + GST; waived on loading USD 1,000 or equivalent.

• Reload Fee: ₹75 + GST per reload.

• Exchange Rate: Locked at loading to avoid fluctuations.

• Customer Support: 24/7 global assistance for emergencies and inquiries.

Thomas Cook Borderless Prepaid Card

The Thomas Cook Borderless Prepaid Card is ideal for frequent travellers seeking the convenience of managing multiple currencies on a single card. With advanced security features and a user-friendly interface, it stands out as a reliable and preferred option for international travel.

• No. of Currencies Supported: 9 currencies, including EUR, GBP, and CHF

• Cash Withdrawals from ATMs: Fixed fees for international withdrawals

• Max. Daily Limit: Depends on the loaded amount and ATM operator limits

• Markup Fee: Zero forex markup on supported currencies

• Application Fee: ₹150 + GST

• Reload Fee: ₹100 + GST

• ATM Withdrawal Fee: $2 per withdrawal internationally

• Exchange Rate: Fixed at the time of loading

• Customer Support: 24/7 helpline and email assistance

How to Choose the Best Forex Card for Germany? 

Selecting the right Forex card ensures a smooth and hassle-free experience during your German travels. Here’s how to make the best choice:

• Currency Support: Ensure the card supports key currencies like the Euro (EUR). Multi-currency cards are ideal for multi-destination trips.

• Markup Fees: Choose cards with zero forex markup fees for preloaded currencies, avoiding unnecessary charges on international transactions.

• ATM Withdrawal Charges: Compare ATM fees; some cards have fixed rates, while others may vary depending on the operator.

• Daily Limits: Check the daily transaction and withdrawal limits to ensure they meet your expected spending needs.

• Exchange Rates: Opt for cards offering competitive or locked exchange rates to protect against currency fluctuations.

• Ease of Reloading: Look for cards with instant reload options via mobile apps or online portals.

• Customer Support: Prioritize cards with 24/7 assistance to help with emergencies or queries during your trip.

• Additional Benefits: Consider cards that offer perks such as travel insurance, reward points, or waived issuance fees for added value.

What are the Benefits of Using a Forex Card in Germany?

Using a forex card on your Germany vacation offers several advantages, including:

• Cost-Effective Transactions: Save money with competitive exchange rates and zero currency conversion fees on purchases.

• Wide Acceptability: Accepted at most ATMs, point-of-sale (POS) terminals, and online platforms across Germany.

• Secure Payments: Chip and PIN protection reduces the risk of fraud and ensures safe transactions.

• Ease of Budgeting: Preloaded with specific amounts, helping you control your expenses.

• Currency Flexibility: Multi-currency support enables seamless transactions across Germany.

• Convenience: Reloadable and easily manageable online, ensuring 24/7 access to funds.

• Travel Insurance: Some cards offer complimentary coverage for lost baggage, card misuse, or other travel-related mishaps.

Conclusion

Choosing the right forex card is essential for a smooth and enjoyable trip to Germany. With options like the AtlysX Multi-Currency Card, Niyo Global Card, and others, Indian travellers can access reliable, secure, and cost-effective solutions for managing foreign currency. You can find a Forex card that aligns perfectly with your travel needs by considering currency support, markup fees, ATM withdrawal charges, and exchange rates. With the right card, you can explore Germany’s vibrant culture, historical landmarks, and technological hubs without worrying about currency hassles.