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DKB (Deutsche Kreditbank) review

Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026

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Our verdict

DKB suits students, teens and anyone banking mainly in Germany, with a euro current account, free cash withdrawals and instant euro transfers. Monthly fees run €0 to €4.50, deposits sit under EU DGS up to EUR 100,000, and support is limited to email and help centre.

Key facts

Best for
A euro current account for daily German banking, students and teens.
Monthly fee
€0 to €4.50↗
Deposit protection
EU DGS up to EUR 100,000↗
Currency conversion fee
0% to 2.2%↗
Local account details
IBAN↗
Free ATM withdrawals
€0↗
Legal entity
Deutsche Kreditbank Aktiengesellschaft↗
Headquarters
Germany↗
Founded
1990↗
Support channels
Email, Help-centre↗
Audience
Students, Teens
Pricing model
No monthly fee, Low FX fees
Features
Free ATM withdrawals, Joint account, Digital-only
Official website
dkb.de

Money transfer

Exchange rate markup
2.2%↗
Delivery time
10 seconds (SEPA instant transfer)↗
Payout methods
Bank↗

Facts checked September 26, 2026, 7 sources

Apps and profiles

Get the app
Google Play
Elsewhere
WikidataLinkedInyoutube.cominstagram.com

Pros and cons

Pros

  • Cash withdrawals cost €0 and monthly fees run €0 to €4.50.
  • Debit card conversion runs 0% to 2.2% and the exchange rate margin on cash is 2.2%.
  • Deposits sit under EU DGS up to EUR 100,000, and the bank is supervised in Germany by the Europäische Zentralbank and the Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin).
  • SEPA instant transfers land in 10 seconds (SEPA instant transfer), and the account is aimed at student and teen.

Cons

  • Support runs on email and help centre only, so there is no phone line or live chat for questions.
  • A digital only setup sits in free atm, joint account and digital only, so anyone who prefers in person service will not find it here.
  • Abroad spending is not free across the board: 0% to 2.2% on the card and 2.2% on cash conversions apply.
DKB (Deutsche Kreditbank)

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Scored 9.2 / 10 by VaultCue.

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Who it suits

  • Students and teens in Germany, who are the listed audience for the account (student and teen).
  • Euro spenders who want card conversion at 0% to 2.2% and cash withdrawals at €0.
  • Anyone comfortable with a digital only setup and support on email and help centre.

Who should look elsewhere

  • Readers who need to speak to someone: support runs on email and help centre, so bunq or bunq Spain may suit better.
  • Anyone after a French euro account: Pixpay FR lists €3.99 a month, while DKB sits in Germany (DE).

How DKB (Deutsche Kreditbank) compares

Where DKB (Deutsche Kreditbank) is available

Available
Germany
Licence in Germany
Europäische Zentralbank, checked September 26, 2026
Licence in Germany
Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does DKB cost to hold each month?+

Monthly fees run €0 to €4.50, so the charge depends on the account you pick. Cash withdrawals are €0, which keeps everyday spending off the bill. Card conversion runs 0% to 2.2% and the exchange rate margin on cash is 2.2%.

Is my money protected if the bank fails?+

Deposits sit under EU DGS up to EUR 100,000, so balances are covered by the EU deposit guarantee scheme. The provider is Deutsche Kreditbank Aktiengesellschaft, a German bank supervised in Germany by the Europäische Zentralbank and the Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin).

What do card payments and withdrawals cost abroad?+

The debit card converts currency at 0% to 2.2%, and the exchange rate margin on cash withdrawals is 2.2%. Both bite hardest outside the euro area, so holiday spending and airport cash can cost noticeably more than the same purchases at home.

Who is this current account aimed at?+

The listed audience is student and teen, so students and teens in Germany are the natural customers. The provider is Deutsche Kreditbank Aktiengesellschaft, founded in 1990 and based in Germany, with monthly fees running €0 to €4.50.

How quickly do transfers arrive?+

SEPA instant transfers settle in 10 seconds (SEPA instant transfer), so a euro payment between accounts lands straight away rather than next working day. Money moves by bank, which is the payout method listed in bank.

How do I get help if something goes wrong?+

Support runs on email and help centre, meaning email and a help centre rather than a phone line or live chat. The listed features also point to a digital only setup, so day to day banking is handled in the app rather than in person.

Can I share the account with a partner?+

Joint accounts appear in the feature list, free atm, joint account and digital only, alongside free cash withdrawals and a digital only setup. Whoever holds a version of the account keeps the same protection, with deposits covered by EU DGS up to EUR 100,000.

Is DKB a bank or a payments app?+

DKB is a full bank, Deutsche Kreditbank Aktiengesellschaft, issuing an IBAN listed under iban and charging monthly fees of €0 to €4.50. It has been established since 1990, so the provider is a long standing bank rather than a new app.

Sources

Compiled from 9 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Licence type, Currencies.

DKB (Deutsche Kreditbank)

DKB (Deutsche Kreditbank)

A euro current account for daily German banking, students and teens.

9.2/10Visit