Depositing cash at DKB: how the process works and what it costs

This guide explains all methods for depositing cash at DKB, outlines costs and alternatives, and answers common questions about limits, locations and “Cash im Shop.”

Can you deposit cash at DKB? - Yes, but only through specific methods

As a direct bank, DKB does not have a nationwide branch network, so cash deposits work differently compared to traditional banks.

Official ways to deposit money into a DKB account:

• DKB Cash im Shop (dm, Rossmann, Rewe - depending on partner location)
• Deposits via DKB ATMs with deposit function (only a few locations)
• Deposits via third-party bank ATMs (e.g., Sparkasse). Usually subject to fees - some Sparkasse and Volksbank branches allow deposits for customers of other banks, others do not.

Important: DKB itself has very few locations with its own deposit-enabled ATMs, so most customers use “Cash im Shop.”

DKB Cash im Shop: the easiest way to deposit cash

DKB Cash im Shop is the most commonly used method for depositing cash into a DKB account.
Here’s how it works:

How the process works in the store

1. Generate a barcode in the DKB app under “Cash im Shop.”
2. Show the barcode at the checkout at dm, Rossmann or Rewe.
3. Hand over the cash → the amount is immediately credited to the account.

Fees

• Deposit: 1.5% fee (no free deposit!)
• Withdrawals are often free, but deposits are not.

Limits

• Depending on the store, between €50 and €999 per transaction.

For larger amounts, Cash im Shop is not suitable.

Depositing cash at a DKB ATM - possible, but rare

There are only a few DKB ATMs with deposit functionality, for example in Berlin or Munich.
Example: The DKB branch in Berlin has a deposit function.

Advantages:

• Cheaper than third-party banks
• Sometimes free (depending on the machine)

Disadvantages:

• Very few locations
• Not available in every city

This is why many search for “DKB ATM near me” - often they only find machines without deposit function.

Depositing cash via third-party banks (Sparkasse, Volksbank) - possible, but expensive

You can deposit money into your DKB account at Sparkasse or Volksbank branches - but it costs money.

Typical fees:

• €5 to €15 per deposit
• Sometimes dependent on the amount

This is only useful if you have no other alternative.

DKB: free cash deposits - is that even possible?

Honestly: No, a truly free deposit is practically not available.
Only two situations are cheap or free:

• Special free-deposit promotions at certain locations (rare)
• Deposits through partner methods offered free of charge by the store (uncommon)

This is why many search for “DKB free cash deposit,” but usually do not find a real free option.

How to withdraw cash for free with DKB

Even though deposits cost money, withdrawing cash with DKB is free in many cases.

Advantages:

• With the DKB Visa Debit → free worldwide withdrawals if the minimum spending requirement is met
• Many ATMs available

Common question: “Where can I withdraw money for free with DKB?”

Answer:

• At almost all Visa-compatible ATMs
• In many countries without extra fees

A limit also exists: the DKB cash-withdrawal limit can be viewed and adjusted in the app.

Depositing coins - is it possible at DKB?

Directly: No.
DKB does not offer its own coin deposit machines.

Possible options:

• Deposit coins at third-party banks → usually €5-€10 fee
• Alternatively, hand in coin rolls at local authorities / Sparkasse

A search for “DKB deposit coins” usually ends with third-party bank fees.

Step-by-step: how to deposit cash at DKB

Numbered process (Cash im Shop):

1. Open the DKB app → select “Cash im Shop.”
2. Enter the amount.
3. Generate the barcode.
4. Go to dm / Rossmann / Rewe.
5. Have the barcode scanned at the checkout.
6. Hand over the cash → instant credit.

Alternative:

• DKB deposit-enabled ATM (if available)

Frequently asked questions (short overview)

• How long does the credit take? Immediately - in real time.
• When is the deposited money available in the account? Directly after scanning (Cash im Shop).
• Can you deposit without a card? Yes, via app barcode.
• What does the deposit cost? Usually 1.5% of the deposit amount.
• Can you deposit money at dm? Yes - via Cash im Shop.

Deposits are possible, but rarely free

DKB offers several ways to deposit cash - but no truly free deposit option.
The most common method is DKB Cash im Shop (dm, Rossmann, Rewe), while ATMs with deposit function are rare.

If you frequently handle cash, you should check whether DKB is the right bank - but for fully digital payments, it remains one of the strongest direct banks in Germany.