Moss review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Our verdict
Moss is a business card for companies and sole traders who want a credit card and a virtual card without a standing charge. The monthly fee is €0 and the annual fee is €0, and BaFin supervises the provider in Germany. Worth a look if your company spends on travel, subscriptions and software.
Key facts
Credit cards
Facts checked September 26, 2026, 5 sources
Pros and cons
Pros
- The monthly fee is €0 and the annual fee is €0, so there is no standing charge to cover
- Moss offers a debit card alongside a credit card, and a virtual card for online spending
- Help is available on email, phone and help centre, so you can reach a person by phone as well as by email
- BaFin is the regulator, and the licence number is 159024, which is easy to check
Cons
- The provider is built for a business audience, so personal spending is not what the card is for
- Card choices are limited to a debit card and a credit card, with a virtual card as the extra option
- Support runs on email, phone and help centre only, so there is no branch or in person counter
Who it suits
- A limited company that pays suppliers and staff from a business account
- A sole trader who wants a credit card without a standing charge
- A finance lead who wants a virtual card for subscriptions and online advertising
Who should look elsewhere
- Anyone spending personally, since Moss serves a business audience
- Households wanting a everyday debit card, where Starling Personal Account Debit Card fits with a monthly fee of £0
- Travellers who want a debit card rather than a credit card, where Wise charges a monthly fee of £0
Safety of your money
Moss is supervised in Germany by BaFin, the country's financial regulator, and the licence details are published: the imprint gives the registration as 159024 and the European register lists it as PSD_EMI DE_BAFIN!159024. That means the card sits inside a regulated framework rather than outside one, which is the main thing to weigh when a company moves its spending to a new provider. Check the number against the register before you move a budget.
Who runs it
The provider is Moss GmbH, based in Germany, and it has been running since 2019. It serves a business audience, so the products are aimed at companies rather than households. Support runs on email, phone and help centre, which means a phone line, email and a help centre. The German regulator is named in the imprint as 159024, and the register entry reads PSD_EMI DE_BAFIN!159024.
How Moss compares
8.9 vs 9.4
8.9 vs 9.0
8.9 vs 8.9
8.9 vs 9.4
8.9 vs 8.7
8.9 vs 9.2
8.9 vs 9.4
8.9 vs 8.7
8.9 vs 9.3
8.9 vs 8.9
8.9 vs 8.6
8.9 vs 9.2
8.9 vs 8.4
8.9 vs 8.5
8.9 vs 8.8
8.9 vs 9.0
8.9 vs 8.6
8.9 vs 8.3
8.9 vs 9.5
8.9 vs 9.4
8.9 vs 9.4
8.9 vs 9.3
8.9 vs 9.3
8.9 vs 9.3
8.9 vs 9.3
8.9 vs 9.2
8.9 vs 9.2
8.9 vs 9.2
8.9 vs 9.1
8.9 vs 9.1
8.9 vs 9.1
8.9 vs 9.1
8.9 vs 9.0
8.9 vs 9.0
8.9 vs 9.0
8.9 vs 8.9
8.9 vs 8.8
8.9 vs 8.7
8.9 vs 8.5
8.9 vs 8.4
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
What does the Moss card cost to hold?+
The monthly fee is €0 and the annual fee is €0, so there is no standing charge on the account. Spending, currency conversion and any interest on a credit balance would be separate items, so check the pricing page for those before you set up cards for your team.
Who regulates Moss?+
BaFin is the German financial regulator named for this provider, and the licence is published in the imprint as 159024. The same entry appears in the European register as PSD_EMI DE_BAFIN!159024, so you can confirm the details against an official source before you move company money.
Is the Moss card for personal or business use?+
Moss serves a business audience, so the card is built for company spending rather than personal payments. If you want a card for your own money, a household current account with a debit card would be the better fit.
What kind of card does Moss issue?+
Moss issues a debit card and a credit card, and it also offers a virtual card for online payments. The combination lets a company cover everyday spending and subscriptions from one provider, which is handy for finance teams who want fewer providers to manage.
How do I get help from Moss?+
Support is available on email, phone and help centre. That means you can call, send an email or use the help centre, so a blocked card or a disputed payment can be raised in more than one way. There is no branch counter to visit.
Who is behind Moss and how long has it run?+
The provider is Moss GmbH, based in Germany, and it has been trading since 2019. It is a German company serving business customers, with BaFin named in the imprint alongside the licence number 159024.
Is Moss a debit card or a credit card?+
Moss covers both sides. The card type is debit for the everyday card, while the card kind is credit, so you can take a credit line as well as spend from the account balance. The choice depends on how you want the company to be billed.
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.
Related by the facts
Moss
A small business that wants a no fee credit card plus a virtual card, supervised by BaFin in Germany.