Postbank products, services and reviews

About Postbank

Postbank is the German retail banking brand of Deutsche Bank AG, offering current accounts, savings products, payment services, cards, consumer loans, mortgages (including via BHW Bausparkasse), investments, and insurance through partners. Accounts can be opened online or in branches branded as Postbank Finanzcenter, though the footprint has been reduced in recent years; service is also provided by phone and digital channels. Online and mobile banking use PSD2-compliant strong customer authentication (BestSign); SEPA payments and international transfers are supported, and cash withdrawals are available at Cash Group ATMs, with charges that vary by account model and third‑party usage. Debit cards are standard (girocard and/or international debit), and optional credit cards are available for a fee; basic payment accounts and business accounts are offered. Deposits are protected by Germany’s statutory deposit guarantee (up to EUR 100,000 per depositor) and the bank participates in the private Deposit Protection Fund of the Association of German Banks; supervision is by BaFin and the Deutsche Bundesbank. Postbank was legally integrated into Deutsche Bank’s private and business client operations between 2018 and 2020 and continues as a brand under Deutsche Bank’s license. In 2023, BaFin appointed a special representative to oversee remediation of IT and outsourcing deficiencies affecting Postbank-related retail operations following migration-related service disruptions. Pricing typically includes monthly account maintenance fees and charges for certain transactions (for example, paper-based services or out-of-network cash withdrawals), and interest rates on deposits and lending products adjust with market conditions; availability of features such as cash deposits, appointments for in-branch advisory services, and international services varies by location and account type.