What is the king+ Prepaid Mastercard®?
The king+ Prepaid Mastercard is an Mastercard CHIP and PIN card issued on a prepaid basis. This means that the balance available to spend on the card is preloaded by the card owner beforehand and is available worldwide wherever the Mastercard Acceptance Mark is displayed. The technology used ensures that the available balance and the status of the card will always be checked as part of the payment authorisation process. If you attempt to use the card where this check is not possible, the use of the card will be prohibited.
Can I get the king+ Mastercard without credit scoring?
Yes, due to the fact that the king+ Prepaid Mastercard is offered on a prepaid basis there is no credit check (such as Schufa in Germany or KSV in Austria) and no need to request a bank report. You do not even need a bank account.
Are there any registration requirements which must be met?
As there are no pre-qualification requirements, everybody can apply for a king+ Mastercard. All we ask is that the primary cardholder must be aged 18 or over and a resident of Austria, Germany or Italy.
How long do I have to wait for my king+ Prepaid Mastercard?

Once the order has been verified and payment completed, delivery usually takes about 7 – 10 business days.

What is the pre-load limit on the king+ Prepaid Mastercard?

You can find information about your current ID Level at your online account


IDV: There is a need for identity documents and a proof of address to be supplied and the maximum amount that can be loaded is €15.000 per year.

king+ With a proof of your source of funds, your balance is further increased to a limit of €100.000 per year.
All limits represent amounts loaded annually in the aggregate.

If you are the holder of a previously issued card set at IDV Level 1 – SDD, different load limits apply. The maximum that can be loaded monthly is €1.000 ( €100 Germany) and the annual maximum is €2.500 (€1.200 Germany).

How do I increase my load limits?

You can upgrade at any time or you will be requested to do so via an email from our compliance department once your current load limit has been reached. When your card is issued it comes with IDV as standard so you can immediately load and start using the card.

Upgrades are achieved by providing information on the source of the funds used to load the card. Please be aware this information is only used by Card Compact and its partners for due diligence purposes and is not shared with any third parties.

To upgrade to IDV+ you are required to provide proof of source of funds (i.e. a copy wage slip, a bank statement showing a regular employment or other income).

Card Compact have made this process extremely simple by allowing you to upload your documents through the customer website (IDV section). Once uploaded they will be verified and your new load limits will be applied. Also you can send your scanned copies to support@cardcompact.com or by secure post to:

Card Compact, 483 Green Lanes, London N13 4BS, United Kingdom

Please include the name and address of the registered card holder, the unique 9 digit account number found on the bottom of the card, or, the last 6 digits of your card. Do not ever send the full 16 digit number of the card. Full details of all procedures and applicable documents can be provided by our compliance department. Please note that when you exceed the existing limit, further loads sent to the card will be blocked until the upgrade.

Pre-load information and limits

You can pay money online via the “load funds” option once you have logged into your secure king+ customer portal at www.cardcompact.cards. The minimum load amount is €10 and the maximum one time load is €10.000. You can top up your card up to 3 times a day once you have completed an ID Level upgrade.

Full instructions on how to load funds are given on the site. You will need to have ready details of the intermediary bank for your region (name of account-holder, account number, sort code and possibly also IBAN und BIC), the amount to be loaded and the unique 9 digit reference printed on your card which has to be quoted as the payment reference number to identify your payment and ensure it is promptly applied to your account. You can alternatively use your full first and last names and the last six digits of your king+ Prepaid Mastercard and the name of the card-holder. The time taken for the money to appear on your account depends on the method chosen and the usual bank processing times for that method. In certain instances this can be instantaneous, or it may take up to 3 or 4 days. You’ll start to find your way around the king+ login area very quickly and will soon be able to choose your preference pre-load methods.

Can I book the flights with the king+ Prepaid Mastercard or pay on the Internet?

Yes, the king+ Prepaid Mastercard is a fully accepted Mastercard, you can enjoy all the benefits of using a Mastercard where Mastercard is displayed at terminals or on a website as acceptable payment method.

What FX rate will be charged on my transactions?

If you use your Card for a transaction in a currency other than the currency in which your card is issued, the transaction will be transferred from the Mastercard payment network to that of Mastercard International Incorporated and converted into the currency in which Your card is issued at a rate shown at


You can compare the rate being applied to your transaction with the rates published by the European Central Bank by using this link,


This will allow you to readily identify any difference between the FX rate and fees applied by Us with the applicable ECB rate using the following example, which is based on data obtained from 30/4/2020:

You will need to be aware of the fee that we may charge and that may apply to any Foreign Exchange transactions. This can be obtained from our website here https://kingcard.eu/en/prices/
Go to the Mastercard link https://www.mastercard.co.uk/en-gb/consumers/get-support/convert-currency.html and select the date of your transaction. Currently your rate is calculated on the date when the transaction is processed by Mastercard (‘presentment day’). From August 11th 2020 the way this date should be calculated will change and Mastercard will use the exchange rate that was used at the date and time your transaction was approved by the merchant (also known as the “authorisation date”) rather than at the time the transaction was fully settled by Mastercard (” presentment day”).
These rates change on a daily basis at 14:05 USA Central Time Zone and last for 24 hours. The time difference with Central European Time is typically +7 hours (There may be seasonal differences due to Summer Time Daylight Saving) meaning they would typically be set at 9:05 PM CET. So for example, if your transaction took place on 1st May 2020 at 12:00 noon CET, this would convert to a date and time of 1/5/2020 03:00 AM USA CTZ. This would be covered by the rate set on 30/4/2020 covering the period 30/04/2020 14:05 PM CTZ to 01/05/2020 14:05 PM CTZ (30/4/2020 9:05 PM CET to 01/05/2020 9:05 PM CET) so you would in this instance select the rate for the 30/4/2020.

Input any fee you have been advised of that applies to the transaction, select the relevant currency for the transaction, for example Great British Pound, and the currency of your card, for example EURO.
Enter the value of the transaction into the ‘Transaction Amount’ field and press the ‘Calculate’ button.
The amount charged will be shown under the ‘Your Card Currency Amount’ heading and also displayed will be the rate applied. This will for example display in the format 1 GBP = 1.184847 EUR
You can compare this rate by using the link https://www.ecb.europa.eu/stats/policy_and_exchange_rates/euro_reference_exchange_rates/html/index.en.html. This shows the exchange rate of the Euro against a number of currencies. Click on the required currency (GBP in our example) and the current day’s rate is shown at the top of the screen along with a graph and table of previous rates. This can be displayed in either EUR to GBP or GBP to EUR format, in our example you would select GBP to EUR and would see a rate such as 1 GBP = 1.1507 EUR. The historic rates can be obtained by Clicking on the shown graph. The ECB rate shown can now be readily compared with the rate obtained from the Mastercard site.
To establish the difference as a percentage of the ECB rate, please complete the following calculation. Deduct the ECB rate from the returned Mastercard value. In our example this would be 1.184847 – 1.1507 = 0.034147 difference. Divide the difference by the ECB rate, in our example this would be 0.034147/1.1507 = 0,0296. This can readily be converted to a percent by multiplying by 100 so that the rate difference in this example is 2.96%.
We will shortly be adding a calculator to the site to enable you to carry out this calculation more easily. We will inform you once this is available.

How can I buy the king+ Prepaid Mastercard?

Currently you can pay the first issuing fee as follows:

Bank transfer
Payment on invoice
Additional purchase options will follow shortly.

How can I upload funds?

There are a number of ways in which the card can be loaded. All cards can be loaded by the following methods:

SEPA bank transfer
Card to Card share function*
Sofortbanking* (only in Germany and Austria)
* IDV+ required

Payments into the king+ Prepaid Mastercard by third parties, e. g. for salary, commission, rental receipts, ....

Payments have to be made via the nominated intermediary bank (see “load funds” in the king+ login area); the card-holders first and last names must be quoted in the reason-for-transfer field, and the last 6 digits of the the king+ Prepaid Mastercard must be quoted as a reference number. Please note that, for security reasons, the first inward payment by a third party must be retained by the card issuer for 14 days. Each subsequent payment from the same transfer will then be credited to your card immediately. If a retained payment relates to a transfer made by your employer or a public authority please send us documentation as evidence of that fact by email to support@cardcompact.com so that we can credit the transfer amount to your king+ Mastercard straight away.

Is there a cancellation notice period?

You can terminate your king+ Prepaid Mastercard at any time. We would still be very grateful if you could give us the reason for the termination, so that we can further improve our service.

For further information please see Terms and Conditions article 9 and 10.


The PIN will be available online as part of the activation process. This makes it possible for you to immediately carry out secure POS payments and, subject to suitable ID requirements being met (IDV+), withdraw your cash with your king+ Prepaid Mastercard at all Mastercard ATM’s worldwide.


Interest is not paid on credit balances on the king+ Prepaid Mastercard.

What is a CVC Code (also called Security Number)?

CVC is an Acronym that stands for Card Verification Code. It is an added security feature, when making king+ purchases via the Internet, you will be required to enter not just your not just your 16-digit card number (along with name and expiration date), but also the CVC code. This has been generated uniquely for your card number at random. Only when these two numbers match, the payment will be verified. The CVC code for your king+ Prepaid Mastercard is printed on the back of the card as part of the signature strip and you will be normally asked for the 3 digits only. This code is used to verify transactions where the card is not present, such as in Internet purchases, and proves to the merchant that the physical card is in your presence.

My king+ Prepaid Mastercard has been blocked. What do I need to do?

If this happens, please contact our Customer Care. You can do this by email to support@cardcompact.com.

Additional usage

A wonderful additional feature of your king+ Prepaid Mastercard is the ability to not only load any card via money transfer, but also instantly transfer money directly between cards. This card to card feature, which requires both cards to be upgraded to IDV+, allows you to send and receive funds instantly from other known card holders.

What is a Virtual Card and how do I use it?

A Virtual Prepaid card is an electronic payment device which can be used for on-line payments only. The Virtual card has all the attributes of a Plastic Card that are required for online transactions; A 16 Digit PAN (the long card number), An expiry date and a CV2(CVV) code, thereby allowing details to be entered online to approve purchases. The card also has the 9-digit Unique ID you use to send funds to the card and as which is used identify it when logging onto the portal. Note that if you wish to use your prepaid card for POS or ATM type transactions, you will need to convert the Virtual card to Physical.

I have a virtual card and want to convert it to a plastic card.

Within the customer portal there is an option to convert your virtual card to a physical one. The card will be dispatched and should be delivered within 7 – 10 working days. Your Virtual card will continue to operate until you activate the new card. Note that in some cases a fee may be charged for converting Virtual to Physical. Details can be found in the terms and Conditions here.


What is 3DS?

3DS (also known as ‘Mastercard SecureCode’, ‘Identity Check’ and ‘Verified by Visa’) is a standard which helps to reduce fraud and provide extra security to your online payments. Authentication is the process by which you identify yourself by sharing secure information that is available only to you. 3DS 2.0 is the latest version and provides a much smoother and safer process for you to authenticate your payments.

What is the use of Authentication?

Authentication provides an additional layer of security for online transactions, making it harder for fraudsters to gain access to your payment details.

Is 3DS active on my card?

Yes, your king+ card has been enrolled in Mastercard SecureCode (3DS) so that wherever you see the Mastercard SecureCode logo online, your card number will automatically be recognised during checkout. Your card provider is contacted during checkout to confirm your identity as the genuine cardholder.


What is the process for Authentication?

You will receive a 6-digit One Time Password (OTP) for each online purchase you make at participating merchants. The OTP will be sent by SMS or by email to the mobile phone or email address which you have registered in the king+ App. Simply key in the OTP on the authentication page displayed and press the ‘Submit’ button. The OTP will then be verified and the transaction will be approved or declined.

How will I know whether the registered mobile number or email address is the right one?

The partially masked mobile number and email address will be displayed on the authentication page so that you can check that those details are correct. If the mobile number and email address are incorrect, cancel the transaction and either update your information in the king+ App or contact Customer Services by calling: +49 89 215 299 959.

What if I suspect that fraud has occurred on my card?

If you ever suspect that a fraudulent purchase has been made using your king+ card, block your card immediately in the king+ app and contact our Customer Service by calling +49 89 215 299 959.