Updated September 29, 2026 · SumCue Editorial Team
Current Build Card vs DKB
Current Build Card
Higher score in this comparison
DKB
What sets them apart
| Compare | Current Build CardReviewVisitVisit | DKBReviewVisitVisit |
|---|---|---|
| Annual fee | $0 | €29.88 |
| APR | 0%Lower | 6.99% |
| Currency conversion fee | 3% | 0% to 2.2%Lower |
| Rewards type | Points | None |
| Card kind | Charge | Credit |
| Rewards rate | 1x points per $1 on eligible purchases, redeemable as cash back | Not confirmed |
| Credit needed | Poor | Not confirmed |
| Perks | Paycheck advance up to $750 with qualifying direct deposit, Paycheck up to 2 days early with direct deposit, Fee free overdraft, 40,000 fee free in network ATMs, Savings Pods with annual boosts up to 4.00%, Buy and sell crypto with no trading fees, Cash deposits at 60,000 retail locations, Credit reporting to Equifax, Experian and TransUnion, Teen and custodial accounts | Not confirmed |
| Regulators | Not confirmed | European Central Bank, Federal Financial Supervisory Authority (BaFin) |
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Key differences
- Current Build Card scores higher overall: 9.4 vs 9.3.
- APR is lower at Current Build Card: 0% vs 6.99%.
- Currency conversion fee is lower at DKB: 0% to 2.2% vs 3%.
- Pricing model: only Current Build Card offers No annual fee.
- Pricing model: only DKB offers No monthly fee.
- Features: only Current Build Card offers Rewards, Secured.
- Features: only DKB offers Travel, Virtual card.
Our verdict on each
Current Build Card
The Current Build Card suits US adults building credit who want a secured card with no annual fee. Its rewards are one point per dollar on eligible purchases, redeemable as cash back. Foreign spend costs 3%, so it is poor value abroad and better kept for domestic use.
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 | Current Build Card | DKB |
|---|---|---|
| Cost | 9.2Annual fee of $0 and an APR of 0%, the weakest part being the 3% currency conversion fee. | 9.3HigherMonthly fees run €0 to €4.50 with currency conversion fees of 0% to 2.2% |
| Offer | 9.6Higher | 8.9Visa debit of debit on Visa with platforms on Web Banking and DKB App |
| Trust | Not confirmed | 9.4Supervision under European Central Bank and Federal Financial Supervisory Authority (BaFin) with deposit protection of EU DGS up to EUR 100,000 |
Spending 1,000 abroad
Current Build Card
30
3% of 1,000
DKB
0 to 22
0% to 2.2% of 1,000
DKB comes out 30 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 29, 2026.
Where they rank in our lists
| Ranking | Current Build Card | DKB |
|---|---|---|
| Credit and debit cards | 20 of 1594 | 4 of 1594 |
| Credit cards | 6 of 421 | 1 of 421 |
Availability and regulation
| Country | Current Build Card | DKB |
|---|---|---|
| Germany | Not confirmed | |
| United States | NMLS (Finco Advance LLC) 2670557 NMLS (FinCo Licensing LLC) 2533115 Kansas Office of the State Bank Commissioner EWA.0000025 State of Missouri Division of Finance EWA-25-9579 Utah Division of Consumer Protection 14246805-EWAS | Not confirmed |
Additional countries for Current Build Card: 1. Additional countries for DKB: 1.
Choosing between them
Pick Current Build Card if offer and apr matter most.
Pick DKB if currency conversion fee matter most.
What we checked
Current Build Card
- current.com: 13 facts, checked September 26, 2026
DKB
- dkb.de: 9 facts, checked September 29, 2026
Every fact side by side
| Fact | Current Build Card | DKB |
|---|---|---|
| Pricing model | No annual fee | No monthly fee |
| Features | Rewards, Secured | Travel, Virtual card |
| Audience | Not confirmed | Student, Kids |
| Legal entity | Finco Services, Inc. | Not confirmed |
| Headquarters | United States | Not confirmed |
| Support channels | Email, Chat, Help centre | Not confirmed |
Savings
| Fact | Current Build Card | DKB |
|---|---|---|
| Headline rate | Not confirmed | 1% |
| Rate type | Not confirmed | Variable |
| Term | Not confirmed | 12 to 120 months |
| Minimum deposit | Not confirmed | €0 |
| Deposit protection | Not confirmed | EU DGS up to EUR 100,000 |
| Access terms | Not confirmed | anytime access, payouts only to reference account |
| Monthly fee | Not confirmed | €0 to €4.50 |
| Account kind | Not confirmed | Easy access |
Where each stands against the rest
| Fact | Current Build Card | DKB | Median |
|---|---|---|---|
| APR | 0%lowest quarter | 6.99%below the median | 11.635% |
| Currency conversion fee | 3%highest quarter | 0% to 2.2%below the median | 1% |
Median across 486 listed providers.
Pros and cons
Current Build Card
Pros
- Annual fee of $0 and an APR of 0%, so holding and carrying a balance cost nothing
- Secured, so it suits a poor credit profile
- Points on eligible purchases, redeemable as cash back, with a points scheme
Cons
- Currency conversion fee of 3% is the weak spot for travel spending
- Support runs on email, chat and help centre only, with no phone line listed
- It is a charge card, so full balances come due each cycle rather than revolving on terms
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
Current Build Card
Who it suits
- US adults with a poor credit history needing a first card with no annual fee
- Anyone who wants a secured card reporting to Equifax, Experian and TransUnion
- Direct deposit earners who value early pay and fee-free overdrafts
Who should look elsewhere
- Frequent travellers, since the currency conversion fee of 3% applies on foreign spend
- Anyone who wants to revolve a balance on a card credit line, as this is a charge card
- People who need phone support, since channels are limited to email, chat and help centre
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 | Current Build Card | DKB |
|---|---|---|
| Germany | No | Yes |
| United States | Yes | No |
Questions about each
Current Build Card
How much is the Current Build Card to keep?+
There is no annual fee, so the card costs nothing to hold in the US. The APR is 0%, which means no interest is added to balances. The only charge to watch is the 3% currency conversion fee on foreign spending.
Who can apply for this secured card?+
It is built for a poor credit profile, since a secured card backs your limit with a deposit rather than a long credit history. Teen and custodial accounts are also offered, so younger US account holders can start building a file.
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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