DKB review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
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Our verdict
DKB suits people in Germany who want a plain debit card for everyday spending and travel. The checking account carries a monthly fee of €0, and the card runs on the visa network as a debit card. The licence comes from 385 regulators tracked site wide.
Key facts
- Best for
- A German checking account with a free debit card and travel in mind
- Monthly fee
- €0↗
- Card type
- Debit↗
- Card network
- Visa↗
- Legal entity
- Deutsche Kreditbank Aktiengesellschaft↗
- Headquarters
- Germany↗
- Features
- Travel
- Audience
- Kids
- Official website
- dkb.de
Facts checked September 26, 2026, 3 sources
Apps and profiles
- Elsewhere
- Wikidata
Pros and cons
Pros
- The account fee is €0, so the card carries no monthly cost on top of the account
- The card type is debit and the network is visa, which covers most terminals abroad
- Travel is listed as a feature of the account, and kids are listed as an audience
- Regulated in DE by Bundesanstalt fur Finanzdienstleistungsaufsicht
Cons
- The card is a debit card, so spending draws on the balance in the current account
- The feature list holds travel alone, so no other extras are named for the account (travel)
- The audience list holds kids alone, so general adult customers are not named (kids)
Who it suits
- Anyone in Germany opening a basic current account for everyday card spending
- Parents setting up a card for a child, since kids are a listed audience
- People who want a Visa card abroad and value a €0 account fee
Who should look elsewhere
- Credit users, since the card type is debit and carries no borrowing
- People outside Germany, as the licence and headquarters sit in Germany
- Monzo Flex or Wise users who want a wider range of listed extras than the travel feature
The company behind it
The card comes from Deutsche Kreditbank Aktiengesellschaft, based in Germany. That bank is supervised by Bundesanstalt fur Finanzdienstleistungsaufsicht in Germany, so the account sits inside a regulated deposit framework rather than an offshore one. The card itself is a debit card on the visa network, issued off the back of the current account rather than a standalone card product.
How DKB compares
8.5 vs 9.4
8.5 vs 9.0
8.5 vs 8.2
8.5 vs 9.5
8.5 vs 9.6
8.5 vs 9.0
8.5 vs 9.1
8.5 vs 8.9
8.5 vs 8.1
8.5 vs 8.2
8.5 vs 9.5
8.5 vs 9.4
8.5 vs 9.2
8.5 vs 9.1
8.5 vs 9.0
8.5 vs 8.9- 8.5 vs 8.8
8.5 vs 8.8
8.5 vs 8.6
8.5 vs 8.5
8.5 vs 8.3
Where DKB is available
- Available
- Germany
- Licence in Germany
- Bundesanstalt fur Finanzdienstleistungsaufsicht, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
How much does the DKB account cost each month?+
The monthly fee is €0. That covers the current account the card is drawn from, so there is no separate card charge added on top. Among the brands compared here the fee sits alongside £0, £0 and $0.
What kind of card is it and which network does it use?+
It is a debit card running on the visa network. Because it draws on the balance in your current account, it behaves like a standard bank card rather than a credit or prepaid card.
Is DKB regulated?+
Yes. The account is provided by Deutsche Kreditbank Aktiengesellschaft in Germany, and the regulator on record is Bundesanstalt fur Finanzdienstleistungsaufsicht in Germany. No protection scheme details are listed for the account.
Who is the account aimed at?+
The listed audience is kids, so the account is set up with younger customers in mind. Parents opening an account for a child are the clearest fit, and the travel feature is the extra the bank highlights.
Does the card work abroad?+
Travel is listed as a feature of the account, and the card runs on the visa network, which is the widely accepted one. The facts list no specific foreign transaction or withdrawal allowance, so check the current terms before relying on a set figure.
What is DKB and where is it based?+
The provider is Deutsche Kreditbank Aktiengesellschaft, with its headquarters in Germany. It is a German bank rather than a fintech, which shapes how the account is supervised and how the card is issued.
How does the account compare with Monzo Flex or Wise?+
All three are free on the monthly fee: €0 against £0 and £0. The differences sit in the wider feature set and the market each one serves, and this account lists kids as its audience and travel as its feature.
Sources
- dkb.de checked September 26, 2026
Backs: Audience, Card type, Card network
“Inklusive kostenloser Visa Debitkarte - Dein kostenloses Girokonto”
- dkb.de/privatkunden/girokonto checked September 26, 2026
Backs: Features, Monthly fee
“Weltweit mit Visa Debitkarte bezahlen - An allen Visa Akzeptanzstellen”
- dkb.de/ueber-uns/impressum checked September 26, 2026
Backs: Headquarters, Legal entity, Licences
“Deutsche Kreditbank Aktiengesellschaft Heidestrasse 26-28 10557 Berlin Deutschland”
Compiled from 3 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.