Unlock your Eisenberg Bank card the moment your identity is verified. Then route your vault interest straight to it every week — and spend it anywhere, while your principal keeps earning.
No premium tier to unlock. No monthly fee waiting to kick in after 6 months. No “just verify your address one more time.” The moment your KYC check clears, your virtual card is ready in the app and usable everywhere Visa is accepted.
Tap to pay. Add it to Apple Pay or Google Pay. Shop online. Book flights. Do everything you’d do with a card from a 150-year-old bank — except this one actually costs nothing.
Want something physical to hand over at dinner? A premium metal card is available on request for a one-time issuing fee. Or don’t. The virtual card does everything.
Here’s what no traditional Festgeld bank lets you do: take your accrued interest and spend it immediately, without closing your deposit.
From the moment you open a vault, interest is calculated daily on your full balance — and it’s visible in your dashboard in real time. Watch your money work.
Every week you can tap “Send interest to my card” in the app. The accrued amount moves to your Eisenberg Bank Card balance instantly and is available to spend anywhere. Your principal stays locked in and keeps earning the full rate.
Dinner out from last month’s yield. Groceries from this week’s. A long-weekend trip from a quarter of quiet interest. Or skip the withdrawal entirely and let it all compound — compound interest lives here →
Every feature you’d expect from a modern card — and none of the fees that come with the big-name ones.
Spend in 30+ currencies at real interbank rates. No tourist tax.
Your phone buzzes the moment a transaction clears. Fraud becomes noticeable in seconds, not days.
Left your card at a café? Tap once. No call centre, no 9-to-5.
Add the virtual card to your wallet the moment it’s issued.
Set per-merchant spending caps or block categories entirely — useful for subscriptions that forget to unsubscribe themselves.
Strong authentication by default. No opt-in, no exceptions.
The moment your KYC is approved. Usually within a few hours of signup. The virtual card appears in your dashboard, fully usable for online purchases and mobile wallet payments from the same minute.
Inside your dashboard, each vault shows its accrued interest in real time. Once per week you can tap “Send to card” and the accrued interest moves to your Eisenberg Bank Card balance instantly. Your vault principal stays untouched and keeps earning the full published rate. It’s as simple as transferring between your own accounts.
No. The transfer is free and happens in seconds. There’s also no minimum amount — even a few euros of weekly interest can be moved if you like.
A premium metal Eisenberg Bank Card is available on request for a one-time issuing fee. It arrives by tracked post within 5–7 working days and shares the same account and limits as the virtual card.
That’s the default. Unless you actively choose to withdraw to your card, your interest compounds daily inside the vault, earning the same rate as the principal. Read more on the Savings Vaults page.
Open a Eisenberg Bank account today and your virtual card is ready the moment KYC clears.
Get your card