Updated September 29, 2026 · SumCue Editorial Team
ActivTrades vs DKB
ActivTrades
Higher score in this comparison
DKB
ActivTrades vs DKB: the differences
| Compare | ActivTradesReviewVisitVisit | DKBReviewVisitVisit |
|---|---|---|
| Headline rate | 3.3%Higher | 1% |
| Minimum deposit | $0 | €0 |
| Deposit protection | FSCS up to GBP 85,000 | EU DGS up to EUR 100,000 |
| Access terms | Funds stay in the account and are free to trade at any time; interest on free margin is paid monthly | anytime access, payouts only to reference account |
| Regulators | FCA, SCB, CMVM, FSC, BACEN | European Central Bank, Federal Financial Supervisory Authority (BaFin) |
| Term | Not confirmed | 12 to 120 months |
| Monthly fee | Not confirmed | €0 to €4.50 |
Same on both: Rate type (Variable), Account kind (Easy access).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- ActivTrades scores higher overall: 9.4 vs 9.3.
- Regulators: only ActivTrades offers FCA, SCB, CMVM.
- Regulators: only DKB offers European Central Bank, Federal Financial Supervisory Authority (BaFin).
- ActivTrades is available in 2 more countries.
- Headline rate is higher at ActivTrades: 3.3% vs 1%.
- Pricing model: only ActivTrades offers Commission free.
- Pricing model: only DKB offers No monthly fee.
Our verdict on each
ActivTrades
ActivTrades suits active traders seeking broad market access with commission free share dealing alongside forex, CFDs and bonds in a single account. Minimum deposit sits at $0 with stock trade fees at $0 and cover through FSCS up to GBP 85,000, while retail loss share stands at 84%.
DKB
DKB suits everyday spenders seeking a Visa debit linked to a current account with monthly fees of €0 to €4.50 and currency conversion fees of 0% to 2.2%. Travel spending and online shopping stay simple with virtual card support plus helpful guides for account queries.
Score breakdown
| Area | ActivTrades | DKB |
|---|---|---|
| Cost | 9.3Account upkeep stays light with charges at $0 for everyday holders. | 9.3Monthly fees run €0 to €4.50 with currency conversion fees of 0% to 2.2% |
| Offer | 9.6HigherChoice spans asset classes listed as stocks, ETFs and forex for varied strategies. | 8.9Visa debit of debit on Visa with platforms on Web Banking and DKB App |
| Trust | 9.5HigherOversight spans regulators shown as FCA, SCB and CMVM for added assurance. | 9.4Supervision under European Central Bank and Federal Financial Supervisory Authority (BaFin) with deposit protection of EU DGS up to EUR 100,000 |
Cost in a real example
10,000 saved for 12 months
ActivTrades
330
3.3% of 10,000
DKB
100
1% of 10,000
ActivTrades comes out 230 higher in this example.
Excludes monthly fee (not stated by ActivTrades). Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 29, 2026.
Licences and countries
| Country | ActivTrades | DKB |
|---|---|---|
| Germany | Not confirmed |
Additional countries for ActivTrades: 3. Additional countries for DKB: 1.
Sources behind this comparison
ActivTrades
- activtrades.com: 6 facts, checked September 28, 2026
- help.activtrades.com: 1 fact, checked September 29, 2026
- linkedin.com: 1 fact, checked September 26, 2026
DKB
- dkb.de: 10 facts, checked September 29, 2026
How they place
| Ranking | ActivTrades | DKB |
|---|---|---|
| Savings | 1 of 1492 | 6 of 1492 |
Every fact side by side
| Fact | ActivTrades | DKB |
|---|---|---|
| Pricing model | Commission free | No monthly fee |
Crypto exchanges
| Fact | ActivTrades | DKB |
|---|---|---|
| Taker fee | 0% | Not confirmed |
| Coins listed | 10 | Not confirmed |
| Fiat deposit methods | Card, Bank | Not confirmed |
| Features | Crypto, Demo account, Fractional shares, Mobile app | Travel, Virtual card |
| Maker fee | 0% | Not confirmed |
| Withdrawal fee | Free | Not confirmed |
| Derivatives | Yes | Not confirmed |
| Exchange type | Cex | Not confirmed |
Credit cards
| Fact | ActivTrades | DKB |
|---|---|---|
| Annual fee | Not confirmed | €29.88 |
| APR | Not confirmed | 6.99% |
| Currency conversion fee | 0.5% | 0% to 2.2%Lower |
| Rewards type | Not confirmed | None |
| Card kind | Not confirmed | Credit |
| Audience | Not confirmed | Student, Kids |
Where each stands against the rest
| Fact | ActivTrades | DKB | Median |
|---|---|---|---|
| Headline rate | 3.3%at the median | 1%lowest quarter | 3.3% |
| Term | Not confirmed | 12 to 120 monthshighest quarter | 60 |
| Monthly fee | Not confirmed | €0 to €4.50at the median | €0 |
Median across 710 listed providers.
Pros and cons
ActivTrades
Pros
- Share dealing costs nothing with fees at $0, unlike DKB with fees of €10.
- Entry stays accessible with minimum deposit at $0 alongside funding via card and bank.
- Crypto derivatives are available with taker pricing at 0% for cost aware traders.
Cons
- Coin choice stays narrow at 10 for traders seeking wide crypto coverage.
- Currency conversion applies at 0.5% which adds cost for cross currency activity.
- Retail loss share stands elevated at 84%, highlighting CFD risk.
DKB
Pros
- Monthly fees of €0 to €4.50 keep account keeping modest next to funded rivals such as XTB at PLN 0
- Currency conversion fees of 0% to 2.2% on Visa give clear terms for travel and cross border shopping
- Card type of debit suits direct balance spending with virtual card choice from travel and virtual card
Cons
- Support runs on help centre only, so you lack phone or live chat routes for urgent card queries
- Currency conversion fees run 0% to 2.2% on Visa, so foreign card spending can add cost
- Monthly fees run €0 to €4.50, which may suit funded accounts less well than XTB at PLN 0
Who each suits
ActivTrades
Who it suits
- Traders seeking commission free stocks with fees at $0 and varied venues at ActivTrader, MetaTrader 4 and MetaTrader 5.
- Investors comfortable with forex and CFD exposure across assets at stocks, ETFs and forex.
- Savers holding trading cash who value interest at 3.3% with easy access.
Who should look elsewhere
- Traders seeking bank bundled saving plus investing may consider DKB, which structures share dealing around €10.
- Investors seeking social portfolios and guided themes may consider eToro, where entry starts at $50.
DKB
Who it suits
- Household spenders who want Visa debit spending from balance with debit rather than Kraken style crypto linked use
- Travellers and online shoppers who value Visa acceptance and travel and virtual card next to eToro card options
Who should look elsewhere
- Readers wanting phone based card help may prefer Kraken, since DKB support runs on help centre only
- Readers wanting prepaid style separation may look past DKB, since its card type is debit on Visa
Current offers
Country by country
| Country | ActivTrades | DKB |
|---|---|---|
| Argentina | Yes | No |
| Belgium | Yes | No |
| Germany | No | Yes |
| United Kingdom | Yes | No |
Questions about each
ActivTrades
What does ActivTrades charge for investing?+
Stock dealing carries fees of $0 with account upkeep at $0. Deposits and withdrawals are described as Free deposits and withdrawals. Currency conversion applies at 0.5%, so cross currency moves need care when sizing orders and planning holding periods.
How is money protected at ActivTrades?+
Investor protection is stated as FSCS up to GBP 85,000 with deposit protection described as FSCS up to GBP 85,000. Oversight comes from regulators listed as FCA, SCB and CMVM. Such cover has limits and conditions, so readers should check eligibility for their entity before funding.
DKB
What monthly charges apply to the account behind the card?+
Monthly fees run €0 to €4.50 for the linked current account behind the debit card. You can keep account keeping costs modest while using the Visa for shops, cash points and online checkouts. Terms vary with account use, so review the fee table before applying.
How do foreign currency card payments work?+
Currency conversion fees run 0% to 2.2% when you pay in foreign currency with the Visa. You still get wide acceptance on Visa for holidays, business trips and cross border shopping. Check the applied rate at payment time to manage travel budgets.
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