My credit report is perfect, and I’ve had no issues with that – but the problem is that I, as student, currently have zero income, and zero spending.
> Comdirect has a free Visa Debit card
Only in combination with the Girokonto, which is only provided if you have any monthly income. Same with Hanseatic. Check their AGB, or call them.
> Postbank has a Visa or MasterCard for 29€ yearly
Same story with this, I’m a customer at Postbank, have a Sparbuch in the 5 digits, but I can’t get a free Visa or MasterCard until I’ve > 670€/month income, and I won’t pay a single cent for a credit card.
> In your case the easiest solution would probably to order the British prepaid card from Revolut which is available for a one-time 8€ fee and I don't think they refuse anybody. Just note that they are not regulated as a bank but as electronic money so I wouldn't leave large sums of money for a long time on the card (but that's not something you want to do anyway).
I’ve had one with them, too, they closed the account because it wasn’t used often enough.
Postbank has a Visa or MasterCard for 29€ yearly. Comdirect has a free Visa Debit card. I have it and have not used that account for over two years now apart from downloading the statements. Nothing happened so far and I haven't paid anything.
In your case the easiest solution would probably to order the British prepaid card from Revolut which is available for a one-time 8€ fee and I don't think they refuse anybody. Just note that they are not regulated as a bank but as electronic money so I wouldn't leave large sums of money for a long time on the card (but that's not something you want to do anyway).