> If all of those banks have refused you there has to be something seriously wrong with your credit report, I would get a free § 34 report from Schufa and Creditreform to check if everything is correct if I were you.

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.