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DKB Review in English 2024 Credit Card and Online Bank Account in Germany

Last Update: 04 March 2024

1. DKB Bank Review: Is DKB a Good Online Bank?

DKB is one of Germany’s most established online banks, with approximately 4.5 million clients. It is a Germany-wide operating subsidiary of Bavaria’s state bank. Founded in 1990, DKB (“Deutsche Kreditbank”) emerged from East Germany’s state bank and is therefore headquartered in Berlin. It offers one of the most popular and best German current accounts, which customers can also open as a joint account or student account. The accounts include a free Visa Card Debit and come without monthly fees. Therefore, they have also gained popularity among expats and English speakers in Germany. Moreover, DKB offers products like credit cardsinvestment accounts, and loans.

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  1. Nadia
    October 5, 2021 @ 2:57 am

    How long does the process take roughly from filling out the application to potentially getting the card?


    • Chris
      October 5, 2021 @ 10:31 am

      It usually takes a maximum of 2 weeks to receive the cards, pin codes and online banking data after successful identification. As all the process is performed digitaly, it usually goes quicker if you use web identification compared to going to a post office in person.


    July 22, 2022 @ 1:48 pm

    The cash withdrawals is not anymore free and cost 5.95€ ATM fee/transaction since the begin of 2022.


    • Chris
      July 22, 2022 @ 9:11 pm

      Hi RONRON,
      Thanks for the comment. According to DKB’s official information the withdrawals are still free (€50 min. withdrawal amount):
      – Always free when withdrawing Euro using the debit card
      – As active customer for other currencies than Euros using the debit card (otherwise 2,2% foreign currency transaction fee)
      – When using DKB’s credit card (which comes against a monthly fee)

      Please keep in mind that some ATM providers may ask for fees – those ones are not covered. However, in this case you get a warning message before the withdrawal and can look for another ATM – most ATMs in Germany do not ask for additional charges.
      Also, in case you would like to withraw smaller amounts than €50, there is a “Mini-Bargeld” option (monthly cost €15).


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    August 30, 2022 @ 1:44 am

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