🚗 Why Renting Without a Credit Card Matters
Travelers from all over the world are increasingly searching for car rental options in Lisbon without a credit card. Whether you’re using a debit card, prepaid card, or digital wallet, traditional car hire companies often refuse non-credit payment methods — creating frustration for tourists and locals alike.
Luckily, some rental agencies in Lisbon are adapting to new customer needs. In this guide, we’ll explore:
- Whether it’s possible to rent a car in Lisbon without a credit card
- Companies that allow debit card payments
- Alternatives and tips for a smooth experience
- Frequently asked questions (FAQ)
🏙️ Is It Possible to Rent a Car in Lisbon Without a Credit Card?
Yes, but not everywhere. Most international car rental agencies — such as Hertz, Europcar, Avis — still require a credit card in the driver’s name for security deposits.
However, local and flexible agencies in Lisbon are now offering debit card rentals, or even no-deposit options.
🔎 Why Do Most Companies Require a Credit Card?
A credit card allows rental agencies to:
- Place a pre-authorization hold (security deposit)
- Charge for damages, fines, or fuel after return
- Reduce their financial risk
If you don’t have one, you’ll need to meet extra conditions, or choose a provider that accepts alternative payment.
💳 Lisbon Car Hire with a Debit Card: What You Need to Know
Many travelers ask: “Can I use my Visa or Mastercard debit card to rent a car in Lisbon?”
The answer: sometimes, depending on the provider and your card type.
✅ Conditions for Using Debit Cards:
- Must be a major bank-issued debit card (no prepaid or virtual cards)
- Must be in your name and have sufficient balance
- You may need to purchase full insurance
- Some agencies restrict vehicle types (e.g., no luxury cars)
🚘 Trusted Car Rental Companies in Lisbon Accepting Debit Cards
Here are some rental agencies that allow car rental without a credit card in Lisbon:
1. Discovercars
- ✅ Accepts debit cards (with full coverage)
- ✅ Transparent pricing
- ✅ Excellent customer service
- 🔗 Compare offers on Discovercars
2. Guerin
- ✅ Allows debit cards for select car classes
- ⚠️ May require extra insurance or documents
3. Turisprime
- ✅ Local agency with flexible payment policies
- ⚠️ Must confirm deposit rules in advance
4. Drive on Holidays
- ✅ Accepts debit cards with coverage
- 🚫 Doesn’t allow rentals without ID and proof of travel
Tip: Always read the Terms & Conditions and check “Payment Methods” before confirming your booking.
💼 Documents You’ll Need
When renting a car without a credit card in Lisbon, be ready to show:
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- 🪪 Valid driver’s license (with English or Portuguese translation if required)
- 🛂 Passport or National ID
- 📅 Return flight ticket or travel itinerary
- 💳 Debit card with sufficient funds
- 🛡️ Proof of insurance (or buy it directly from the rental agency)
💰 Do You Have to Pay a Deposit Without a Credit Card?
Yes — but the amount and method vary.
🔐 Deposit Options:
- Debit card hold: Refundable, but blocks your funds
- Cash deposit: Rare, but possible with local providers
- Zero-deposit rentals: Offered with full insurance (usually more expensive)
🧠 Pros and Cons of Renting Without a Credit Card
| Pros | Cons |
|---|---|
| Avoid credit card usage | Limited provider choice |
| Use only funds you own | Higher deposits or insurance required |
| Possible no-deposit rentals | Some rental types unavailable |
🌍 Can You Rent Without a Credit Card in Other Portuguese Cities?
Yes — this also applies to:
- Faro
- Porto
- Madeira
- Azores
But availability varies. Always check the payment policy per location.
🔄 What If You Only Have a Prepaid Card?
Prepaid cards (like Revolut, N26, Wise) are not usually accepted for:
- Payment
- Security deposit
They may work if you prepay online and buy full coverage, but this depends heavily on the provider.
💡 Tips for a Smooth Experience
- Book online in advance to compare options and filter by “No Credit Card Required”
- Use a reputable platform like Discovercars
- Check reviews of the rental agency
- Read the fine print — especially regarding deposits and insurance
- Call ahead if unsure — ask specifically: “Can I rent with a debit card?”
❓ FAQ — Renting a Car in Lisbon Without a Credit Card
❔ Can tourists rent a car in Portugal with a debit card?
Yes, many agencies accept debit cards if you meet the requirements (coverage, ID, etc.).
❔ Can I rent without any card at all?
Very unlikely. At least a debit card is required for payment and deposit purposes.
❔ Will they accept my Revolut or N26 card?
Only if it’s a bank-issued debit card with your name — prepaid or virtual cards are usually rejected.
❔ Are there extra fees for debit card rentals?
Sometimes — especially if you opt for zero-deposit coverage or don’t have a return ticket.
🏁 Final Thoughts
Renting a car in Lisbon without a credit card is absolutely possible in 2026 — if you know where to look. By using debit card–friendly platforms and preparing your documents in advance, you can explore Portugal on your terms, without the burden of a credit card.
Start your search with confidence here 👉 Compare Lisbon car rentals without a credit card
