DKB products, services and reviews

About DKB

Deutsche Kreditbank AG (DKB) is a German direct bank headquartered in Berlin and fully owned by Bayerische Landesbank, focusing on online retail and corporate banking without a branch network. The core product for consumers is the DKB-Cash current account, which typically has no monthly account-keeping fee and comes with a Visa Debit card; an optional Visa credit card and an optional girocard can be added for a fee. DKB uses an “Aktivkunde” tier that is reached by a monthly incoming payment of at least 700 euros, which unlocks preferential conditions such as waived foreign currency fees on card payments and withdrawals; customers who do not meet this threshold face standard fees for transactions in foreign currencies. Cash withdrawals with the DKB Visa card are possible at ATMs worldwide; DKB does not levy its own withdrawal fee, though operator surcharges and minimum withdrawal amounts can apply, and some ATM operators abroad charge independent fees. Cash deposits are limited and handled via selected partner locations or specific ATMs, generally with fees. The bank supports SEPA transfers (including instant payments) and offers international transfers via SWIFT for a fee. Overdraft facilities are available subject to credit checks, with variable interest rates, and DKB provides consumer loans and mortgage financing. Securities services are offered through DKB Broker, including securities accounts and ETF savings plans, with order and custody fees according to the current price list. Digital access is centered on the DKB app and web banking with two-factor authentication (e.g., app-based push TAN or chipTAN), card controls, and support for Apple Pay and Google Pay. Customer service is provided via phone, secure messaging, and chat; service is primarily in German. Deposits are protected up to 100,000 euros per depositor under the German statutory deposit guarantee. Account opening is designed for residents of Germany, with standard identification requirements and compliance checks. Terms, fees, and rates are published in DKB’s current schedule of prices and services and are subject to change.