Moss review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Moss suits companies that want business card spend with nothing to pay monthly: the monthly fee is €0 and the annual fee is €0, at the floor of the market. German teams get a debit card, a virtual card and BaFin regulation.
Key facts
- Best for
- Business teams that want company card spend at €0 a month, with a virtual card.
- Monthly fee
- €0 (Source, checked September 26, 2026)
- Card type
- Debit (Source, checked September 26, 2026)
- Legal entity
- Moss GmbH (Source, checked September 26, 2026)
- Headquarters
- Germany (Source, checked September 26, 2026)
- Founded
- 2019 (Source, checked September 26, 2026)
- Support channels
- Email, Phone, Help-centre (Source, checked September 26, 2026)
- Features
- Virtual card
- Audience
- Business
- Official website
- getmoss.com
Credit cards
- Annual fee
- €0 (Source, checked September 26, 2026)
- Card kind
- Credit (Source, checked September 26, 2026)
- Legal entity
- Moss GmbH (Source, checked September 26, 2026)
- Headquarters
- Germany (Source, checked September 26, 2026)
- Founded
- 2019 (Source, checked September 26, 2026)
- Support channels
- Email, Phone, Help-centre (Source, checked September 26, 2026)
- Pricing model
- No annual fee
- Features
- Virtual card
- Audience
- Business
Pros and cons
Pros
- The monthly fee is €0 and the annual fee is €0, so a debit card costs nothing to keep.
- A virtual card is included, which suits recurring online spend.
- Support runs on email, phone and help centre, so questions can go to a person or the help centre.
- The provider is regulated in Germany under licence 159024.
Cons
- Moss is built for business accounts, so a personal card is not the aim.
- Founded in 2019, Moss is young next to long established banks and carries a shorter track record.
- The debit card and the credit corporate card sit under one brand, so check which product a quote covers.
Who it suits
- Small businesses that want a company card with nothing to pay monthly.
- Teams that need a virtual card for online and subscription spend next to a physical card.
- Buyers who want a German regulated provider, with the licence on record as 159024.
Who should look elsewhere
- Borrowing customers: Varo Believe Secured Credit Card is a secured credit card, while the Moss card is a debit card for business use.
- Credit card shoppers: Chime Card (Secured Visa Credit Card) is a secured Visa credit card, so weigh it for credit rather than a debit business card.
- Senders and travellers: Wise is the alternative to weigh on currency, with a monthly fee of £0, so the choice rests on how the money moves.
Who runs it
Moss runs as Moss GmbH, based in Germany and founded in 2019. It holds a German BaFin licence, 159024, recorded in the register as PSD_EMI DE_BAFIN!159024. Support runs on email, phone and help centre, so account questions can go to a person or the help centre.
How Moss compares
8.9 vs 9.4
8.9 vs 9.0
8.9 vs 8.9
8.9 vs 9.2
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8.9 vs 8.5
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8.9 vs 9.2
8.9 vs 9.0
8.9 vs 8.9
8.9 vs 8.8
8.9 vs 9.6
8.9 vs 9.4
8.9 vs 9.4
8.9 vs 9.2
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8.9 vs 9.1
8.9 vs 9.1
8.9 vs 9.1
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8.9 vs 8.8- 8.9 vs 8.8
- 8.9 vs 8.8
8.9 vs 8.8- 8.9 vs 8.8
8.9 vs 8.5
8.9 vs 8.5
8.9 vs 8.5
8.9 vs 8.3
8.9 vs 8.2
8.9 vs 8.0
8.9 vs 8.0
Where Moss is available
- Licence in Germany
- BaFin (159024), checked September 26, 2026
- Licence in Germany
- DE_BAFIN (PSD_EMI DE_BAFIN!159024), checked September 26, 2026, also valid in Germany
Frequently asked questions
How much does a Moss card cost to keep?+
Moss sets the monthly fee at €0 and the annual fee at €0, so the account carries no ongoing charge. The pricing model is no annual fee, and the card itself is a debit card for business accounts.
Is Moss regulated?+
The provider is Moss GmbH, based in Germany, and it holds a BaFin licence, 159024, which appears in the payments register as PSD_EMI DE_BAFIN!159024. Money held with the account therefore sits with a supervised provider.
What kind of card does Moss issue?+
Two lines sit side by side: the card type is debit and the corporate offering is a credit card. Moss also provides a virtual card, which suits staff who need a card number for online subscriptions without handing out the physical card.
How do I reach Moss support?+
Support runs on email, phone and help centre. A business user can reach the team by email, by phone or through the help centre, and can pick the channel that suits the question. All three are listed as the standard support routes for the account.
Who is the Moss card aimed at?+
Moss is built for business users, so a company or small team is the natural fit rather than a personal account. The no annual fee model and a debit card keep the setup plain, and a virtual card is there for staff who buy online for the business.
How long has Moss been around?+
Moss was founded in 2019 and operates as Moss GmbH from DE. It is young next to the high street banks, so a business that values a long track record should weigh that against the simple no annual fee pricing.
Sources
- euclid.eba.europa.eu/register/downloads/PSDMD/20260926/do... checked September 26, 2026
Backs: Headquarters, Legal entity, Licences
“EntityCode=DE_BAFIN!159024; EntityType=PSD_EMI; ENT_NAM=Moss GmbH”
- getmoss.com/about-us checked September 26, 2026
Backs: Features, Founded
“Empower employees with physical and virtual cards”
- getmoss.com/contact checked September 26, 2026
Backs: Support channels
“support@getmoss.com - Help Center - Germany: +49 3031193730”
- getmoss.com/corporate-credit-card checked September 26, 2026
Backs: Card kind
“Corporate Cards without the spend surprises”
- getmoss.com/imprint checked September 26, 2026
Backs: Audience
“All services advertised on getmoss.com are directed exclusively at legal persons”
- getmoss.com/pricing checked September 26, 2026
Backs: Annual fee, Card type, Pricing model, Monthly fee
“Start free with Cards or Accounts Payable”
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.
Moss
Business teams that want company card spend at €0 a month, with a virtual card.