DKB review
Updated October 17, 2026 · VaultCue Editorial Team
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Our verdict
For people who want a current account, instant access savings and an investment account in one place, DKB offers a German direct bank service that is fully digital. It works for people who prefer opening accounts without paperwork and managing balance checks and transfers through an app.
Key facts
- Best for
- Digital current account, savings and investing in one app
- Headline rate
- 4%↗
- Deposit protection
- EU DGS up to EUR 100,000↗
- Monthly fee
- €0 to €4.50↗
- Account kind
- Easy access↗
- Legal entity
- Deutsche Kreditbank Aktiengesellschaft↗
- Headquarters
- Germany↗
- Founded
- 1990↗
- Support channels
- Email, Help-centre↗
- Pricing model
- No monthly fee, Low FX fees
- Official website
- dkb.de
Everyday accounts
- Currency conversion fee
- 0% to 2.2%↗
- Local account details
- IBAN↗
- Free ATM withdrawals
- €0↗
- Audience
- Students, Teens
- Features
- Free ATM withdrawals, Joint account, Digital-only
Facts checked October 17, 2026, 6 sources
Apps and profiles
- Get the app
- Google PlayApp Store
Pros and cons
Pros
- Combines current account, instant access savings and investment account in one app
- Account opening without paperwork with digital switching support included
- Includes debit and credit cards for payment and cash withdrawal worldwide
- Offers webinars plus personal advice conversations around property finance
Cons
- Operates as a direct bank with digital management and no branch network
- Centred on Germany, so less relevant for people banking elsewhere
- Product range focuses on account, savings, investing and property finance
Who it suits
- People who want everyday banking managed digitally in one app
- People who want savings alongside current account and investing
- People interested in property finance and long term planning options
Who should look elsewhere
- People who prefer branch based banking
- People who need banking outside Germany
Company background
DKB is a German direct bank, which means it runs its services digitally without a branch network. It is one of the larger direct banks in its home country and is organised as a stock company. Everyday banking, saving and investing are gathered into one platform, so people who handle most of their money on a phone can keep those tasks together in a single place. Customers can therefore manage most of their finances without visiting an office.
Accounts for younger customers and saving
The bank offers a current account for younger customers, with a savings account attached and a long term investment option for building wealth over time. Parents can open these arrangements for a young family member, and they can run alongside the family's own accounts. The offer fits into wider plans for a young person's future, such as preparing for adulthood with steady contributions to an investment account. The range brings several family accounts under one roof.
Property finance and planning
Property finance is part of the product range, and mortgage applications can be started and completed online. Calculations for a home purchase can be carried out before applying, which helps people judge what suits their finances. Personal loans can be shaped around changing plans, with the aim of fitting the borrowing to the person rather than the other way round. Planning tools and expert webinars help people think ahead about larger commitments.
Deposit protection
European deposit protection rules apply to savings held with the bank, which gives a framework for money kept in current accounts and savings products. Cover comes from rules that apply across the banking system rather than from the bank alone. Anyone holding larger balances should understand how that protection works across all of their accounts, including accounts held at other banks, before deciding where to place funds. Keeping an eye on total balances across providers helps avoid gaps in cover.
How DKB compares
9.1 vs 8.6
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9.1 vs 9.1
9.1 vs 8.9
9.1 vs 8.7- 9.1 vs 8.0
9.1 vs 9.0
9.1 vs 8.1
9.1 vs 8.7
9.1 vs 8.0
9.1 vs 9.5
9.1 vs 9.4
9.1 vs 9.3
9.1 vs 9.2
9.1 vs 9.0
9.1 vs 8.7
9.1 vs 8.5
9.1 vs 8.5
9.1 vs 8.5
9.1 vs 8.4
9.1 vs 8.3
9.1 vs 9.0
Where DKB is available
- Available
- Germany
- Licence in Germany
- European Central Bank (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 products does DKB cover?+
DKB covers a current account, instant access savings and an investment account. All three are managed digitally and brought together in one app for balance checks and transfers.
How does opening an account work?+
Opening starts online and is completed without paperwork within a short time. A digital switching service is also available for people moving a current account to DKB.
How does the app or online access work?+
The app handles everyday banking securely from different locations. It can be used to check balances and to make transfers without visiting a branch.
Does DKB offer property finance?+
DKB provides property finance with a fully digital contract process. Personal advice conversations are available, alongside options linked to sustainable property.
Which card options come with the current account?+
Debit cards are included with the current account, and credit cards are offered as a separate product. Both can be used for payments in shops and online, and cash can be withdrawn from machines abroad. Card limits can be set to suit each person's spending habits.
How does the bank approach investing education?+
The bank runs webinars on investing and personal finance, and new sessions are added regularly. Topics cover the basics of money investment and wider financial planning, which can help people approach an investment account with more confidence. These sessions sit alongside the platform based services for everyday banking.
Sources
- dkb.de checked October 17, 2026
Backs: Headline rate, Account kind
“4 % Aktionszinsen p. a. vom 01.11.2026 bis 28.02.2027”
- dkb.de/fragen-antworten/was-muss-ich-zum-girokonto-wissen checked September 26, 2026
Backs: Audience
- dkb.de/impressum checked September 26, 2026
Backs: Headquarters, Legal entity, Support channels
“Herausgeberin Deutsche Kreditbank Aktiengesellschaft, Heidestraße 26 - 2810557 Berlin Deutschland”
- dkb.de/privatkunden/girokonto checked September 26, 2026
Backs: Free ATM withdrawals, Features, Local account details, Pricing model, Monthly fee
“Kostenlos Geld am Automaten abheben weltweit fast überall”
- dkb.de/privatkunden/karten/debitkarte checked September 26, 2026
Backs: Currency conversion fee
“Bezahlen und Bargeld abheben (an Geldautomaten mit Visa-Logo) in Fremdwährung: 2,20 % Währungsumrechnungsentgelt”
- dkb.de/ueber-uns checked September 26, 2026
Backs: Founded
“gegründet 1990”
- ecb.europa.eu checked September 26, 2026
Backs: Deposit protection, Licences
Compiled from 8 source pages, checked October 17, 2026. We did not open an account.
Not confirmed yet: Rate type, Term, Minimum deposit.