two women at a pottery store

Shop Europe With Confidence Using your V PAY Card

No foreign transaction fees. No surprises. Just seamless spending across the EU.
Order In Online Banking

The Smart and Secure Way to Pay in Europe

Using your regular debit or credit card in Europe can mean high foreign transaction fees or even card declines at local shops. That’s frustrating and costly.

With the V PAY card, you get a widely accepted, contactless-enabled card that works just like a debit card without the extra fees.* Whether you're shopping, dining or traveling, V PAY makes every purchase simple and secure.

visa debit card

Why Choose V PAY?

No Foreign Fees

No Foreign Fees

Spend in Europe without added costs.
Contactless Payments*

Contactless Payments*

Tap and pay for quick, secure transactions.
Accepted Across the EU

Accepted Across the EU

Use V PAY anywhere Visa is accepted.
Easy to Order

Easy to Order

Get your card online or at a branch in Germany.
Order In Online Banking

V PAY FAQs

How do I order my V PAY card?
Log into online banking, navigate to the “More” menu, and submit your request. You can also order a V PAY card at any of Service Credit Union’s branches in Germany.
Are there transaction limits?
Yes, contactless transactions are limited to €50 per purchase. After accumulating €150 in contactless transactions, a PIN entry is required to reset the limit.
Is there a fee for the card?
Yes, an initial card issuance fee applies. See the V PAY Fee Schedule for details.
Do I need a checking account to get V PAY?
Yes, a Service Credit Union checking account is required to order a V PAY card.
*A fee will be assessed for the initial card issuance and the funds must be available in the checking account at the time the card is ordered. Other fees may apply. See the V PAY Fee Schedule and V PAY Card Disclosure, Terms and Conditions for more information. The V PAY card is tied to your checking account and allows you to access your available balance. Automatic weekly limit of 1,000.00 Euros. Contactless payment transactions may only be completed for individual transactions under €50. Upon accumulating €150 of contactless payment transactions, a PIN entry will be required to reset the contactless limit cycle. V PAY is a registered trademark of the Visa International Service Association. Must be a member of Service CU or establish membership with $5 in a Primary Savings Account.