A digital-first, multilingual revolving credit card built for Germany's immigrant communities — flexible monthly payments, fast onboarding, and support in your language.
Millions of people arrive with skills, income and ambition — and hit the same walls every time they try to get a fair line of credit.
Apps, contracts and support are German-only. Understanding the fine print shouldn't require a translator.
Charge cards demand the full balance every single month. With uncertain cash flow, that's a trap, not a tool.
No German credit history and no salary account at the same bank means a rejection — or no card at all.
We do one thing exceptionally well: a revolving credit card designed for the way immigrant communities actually live and pay.
Pay a flexible minimum each month — interest plus a portion of principal. You stay in control.
Start around €3,000 and unlock more as you use the card responsibly.
App, contracts and human support in Turkish, Russian, Arabic, Polish, German, English and more.
We blend traditional scoring with open-banking data, so a thin German credit file isn't an automatic no.
Instant, borderless and inclusive — the things modern cardholders expect, finally available to everyone.
Real-time underwriting provisions a card straight to Apple Pay or Google Wallet within 60 seconds of approval.
No foreign transaction markups outside the Eurozone and no upfront fees on global cash withdrawals.
A credit product designed to align with Islamic finance principles, for a community too often left without one.
KYC powered by open banking and alternative scoring — no branch visit, no salary-transfer requirement.
In-app coaching and credit-building tools in your native language, so credit becomes a stepping stone.
Real people, multilingual help, and proactive reminders — including hardship programs when life happens.
Open the app, pick your language and connect your bank securely. No paperwork, no branch.
Our blended scoring looks at the full picture — not just a thin German credit file — and decides in seconds.
Your virtual card lands in Apple Pay or Google Wallet. Pay a flexible minimum each month and build your credit.
Be among the first in Berlin to get the UNOCARD. Leave your email and we'll reach out as early access opens.