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DKB (Deutsche Kreditbank) review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

DKB suits adults in Germany who want a fee based Visa credit card for travel spending, a free current account and a no fee depot under one bank. Personal loans sit at a fixed rate and an APR of 6.99% with free early repayment.

Key facts

Best for
A fee based Visa credit card plus free everyday banking for adults in Germany.
Annual fee
€29.88↗
APR
6.99%↗
Rewards type
None↗
Perks
3 free digital newspapers/magazines monthly via Digital Kiosk, Emergency card and emergency cash if lost abroad, Visa Secure authentication for online purchases, Card Control for transaction alerts and security settings, Worldwide fee-free payments and cash withdrawals at Visa points↗
Card kind
Credit↗
Legal entity
Deutsche Kreditbank AG↗
Headquarters
Germany↗
Founded
1990↗
Support channels
Email, Help-centre↗
Pricing model
Fixed rate
Features
Travel
Audience
Kids
Official website
dkb.de

Loans

Loan amount
€2,500 to €100,000↗
Term
12 to 120 months↗
Credit check
Soft prequal↗
Funding time
Privatkredit Sofort: usually within 30 minutes; Privatkredit Klassisch: within 1-2 days↗
Representative example
Nettodarlehensbetrag 15.000 Euro, Laufzeit 120 Monate, effektiver Jahreszins 6,99 % p. a., mtl. Rate 172,43 Euro, Gesamtbetrag 20.691,92 Euro↗
Rate type
Fixed↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
Of age and main residence in Germany; not self-employed or freelance; in permanent employment or on an indefinite pension; German mobile number and online-banking access to the salary account↗
Loan types
Personal, Car, Debt-consolidation↗
Use cases
Home-improvement↗

Brokers

Account fee
€0↗
Markets
Stocks, ETFs, Funds, Bonds↗
Platforms
Web-Banking, DKB-App↗

Debit cards

Monthly fee
€0↗
Card type
Debit↗
Card network
Visa↗

Savings

Deposit protection
EU DGS up to EUR 100,000↗

Mortgages

Fixed period
5 to 30 years↗
Purpose
Purchase, Remortgage↗

Facts checked September 26, 2026, 13 sources

Apps and profiles

Get the app
Google Play
Elsewhere
WikidataTrustpilotLinkedInXWikipedia

Pros and cons

Pros

  • The 3 free digital newspapers/magazines monthly via Digital Kiosk, Emergency card and emergency cash if lost abroad and Visa Secure authentication for online purchases list covers fee free payments worldwide and emergency cash if the card is lost abroad.
  • Personal loans cover personal, car and debt consolidation with free early repayment, a soft prequalification check and terms of 12 to 120.
  • The current account and depot are free, deposits carry EU DGS up to EUR 100,000, and the bank was founded in 1990.
  • You manage the current account and the depot through Web Banking and DKB App.

Cons

  • Loan eligibility is narrow: adults with main residence in Germany, permanent employment or an indefinite pension, a German mobile number and online banking access to the salary account.
  • The annual fee of €29.88 is above the site median of €0, and the rewards type is none.
  • Support runs on email and help centre only, with no phone line listed.
DKB (Deutsche Kreditbank)

Ready to try DKB (Deutsche Kreditbank)?

Scored 9.0 / 10 by SumCue.

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Who it suits

  • Adults in Germany who want a fee based Visa credit card for travel spending alongside a free current account.
  • People in permanent employment planning a car purchase, home improvement or debt consolidation at a fixed rate.
  • Savings and investment beginners who want a free depot covering stocks, etfs and funds.

Who should look elsewhere

  • Reward seekers, since the rewards type is none, while bunq and Wise set annual fees of €0 and £0.
  • Self employed and freelance applicants, and anyone without main residence in Germany, since the loan eligibility rules them out; Varo Believe Secured Credit Card suits readers who want a secured card instead.

How DKB (Deutsche Kreditbank) compares

Where DKB (Deutsche Kreditbank) is available

Available
Germany

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does the DKB credit card cost each year?+

The card's annual fee is €29.88, higher than the site median of €0. Payments and cash withdrawals are free at Visa points worldwide, and the card runs on visa. There is no rewards scheme, as the rewards type is none.

Are the current account and the depot free to keep?+

Yes. The current account charges €0 a month and the depot charges €0 a year. You can run both from Web Banking and DKB App, the depot covers stocks, etfs and funds, and the account's listed feature is travel.

What rate would a personal loan carry?+

Personal loans are a fixed rate at an APR of 6.99%. Borrowing runs €2,500 to €100,000 over a term of 12 to 120, and early repayment is free. DKB is a direct lender, so the bank itself carries the credit.

How quickly can the money arrive?+

The Sofort loan is usually funded within minutes, while the Klassisch loan has a short waiting period. Eligibility sets the pace too: applicants must be adults living in Germany with permanent employment or an indefinite pension and a German mobile number. Borrowing runs €2,500 to €100,000 over 12 to 120.

What can I use the money for?+

DKB lends for personal, car and debt consolidation loans, with home improvement named as a use case. On the mortgage side purchase and remortgage are both listed, and fixed periods run 5 to 30. The card and the current account sit alongside these loans for everyday spending.

Is my money protected?+

Deposit protection is EU DGS up to EUR 100,000, and the legal entity behind the accounts is Deutsche Kreditbank AG, headquartered in Germany and founded in 1990. Card security runs on visa authentication, and the card perks cover an emergency card abroad.

Who is the card and the lending for?+

The card suits adults in Germany who pay travel spending through a single account, and the loans suit people in permanent employment. One audience group listed for the bank is kids, personal, car and debt consolidation cover the common reasons to borrow, and the depot covers stocks, etfs and funds for beginners.

Sources

Compiled from 13 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Currency conversion fee.

DKB (Deutsche Kreditbank)

DKB (Deutsche Kreditbank)

A fee based Visa credit card plus free everyday banking for adults in Germany.

9.0/10Visit