Updated September 28, 2026 · SumCue Editorial Team
DKB (Deutsche Kreditbank) vs Nexo
DKB (Deutsche Kreditbank)
Higher score in this comparison
Nexo
Where DKB (Deutsche Kreditbank) and Nexo differ
| Compare | DKB (Deutsche Kreditbank)ReviewVisitVisit | NexoReviewVisitVisit |
|---|---|---|
| Annual fee | €29.88 | €0Lower |
| APR | 6.99% | from 1.9%Lower |
| Rewards type | None | Cashback |
| 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 | Free ATM withdrawals up to EUR 2,000 / GBP 1,800 per month at Platinum tier, then 2% fee (min EUR/GBP 1.99), Apple Pay and Google Pay supported, Interest earned on unspent funds (Nexo Loyalty Program, up to 13% per year), Accepted at over 100 million merchants globally, Virtual card activated instantly with 50 USD balance; free shipping for physical card above 5,000 USD balance at Gold tier or higher, No monthly, annual or inactivity card fees |
| Currency conversion fee | Not confirmed | 0.2% to 2.5% |
| Rewards rate | Not confirmed | Up to 2% crypto cashback in NEXO Tokens, or 0.5% in BTC at Platinum tier, on purchases in Credit Mode |
| Cashback rate | Not confirmed | 0.5% to 2% |
Same on both: Card kind (Credit).
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Key differences
- DKB (Deutsche Kreditbank) scores higher overall: 9.0 vs 8.9.
- Founded is lower at DKB (Deutsche Kreditbank): 1990 vs 2018.
- Nexo is available in 35 more countries.
- Annual fee is lower at Nexo: €0 vs €29.88.
- APR is lower at Nexo: from 1.9% vs 6.99%.
- Perks: only DKB (Deutsche Kreditbank) offers 3 free digital newspapers/magazines monthly via Digital Kiosk, Emergency card and emergency cash if lost abroad, Visa Secure authentication for online purchases.
- Perks: only Nexo offers Free ATM withdrawals up to EUR 2,000 / GBP 1,800 per month at Platinum tier, then 2% fee (min EUR/GBP 1.99), Apple Pay and Google Pay supported, Interest earned on unspent funds (Nexo Loyalty Program, up to 13% per year).
- Support channels: only Nexo offers Chat.
- Pricing model: only DKB (Deutsche Kreditbank) offers Fixed rate.
- Pricing model: only Nexo offers No annual fee.
Our verdict on each
DKB (Deutsche Kreditbank)
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.
Nexo
Nexo suits businesses and crypto users who want a multi-currency card, with monthly and annual card fees of €0 and €0. The trade-off is tier-based cashback, foreign exchange costs, and custodial holding of supported crypto.
Score breakdown
| Area | DKB (Deutsche Kreditbank) | Nexo |
|---|---|---|
| Cost | 8.9Card annual fee €29.88 against site median €0; the current account and depot charge €0 and €0. | 9.2HigherMonthly and annual card fees are €0 and €0, while foreign exchange costs are 0.2% to 2.5%. |
| Offer | 8.7 | 9.2HigherThe card supports crypto cashback, multi-currency use, virtual cards, travel, Apple Pay and Google Pay. |
| Trust | 9.1Higher | 8.3 |
Availability and regulation
| Country | DKB (Deutsche Kreditbank) | Nexo |
|---|---|---|
| Argentina | Not confirmed | |
| Australia | Not confirmed | AUSTRAC (Australia) DCE100843695-001 |
| Hong Kong | Not confirmed | Companies Registry (Hong Kong) TC007556 |
| Poland | Not confirmed | Ministry of Finance (Poland) RDWW-533 |
| Seychelles | Not confirmed | |
| United States | Not confirmed |
Available in 1 country for both. Additional countries for Nexo: 35.
Sources behind this comparison
DKB (Deutsche Kreditbank)
- dkb.de: 11 facts, checked September 26, 2026
- de.wikipedia.org: 1 fact, checked September 26, 2026
Nexo
- nexo.com: 14 facts, checked September 26, 2026
How they place
| Ranking | DKB (Deutsche Kreditbank) | Nexo |
|---|---|---|
| Credit and debit cards | 5 of 1594 | 10 of 1594 |
| Debit cards | 3 of 826 | 8 of 826 |
Every fact side by side
| Fact | DKB (Deutsche Kreditbank) | Nexo |
|---|---|---|
| Pricing model | Fixed rate | No annual fee |
| Features | Travel | Multi currency, Crypto, Virtual card, Custodial, TravelCovers more |
| Audience | Kids | Business |
| Legal entity | Deutsche Kreditbank AG | DiPocket UAB |
| Headquarters | Germany | Not confirmed |
| Founded | 1990Lower | 2018 |
| Support channels | Email, Help centre | Chat, Email, Help centreCovers more |
Loans
| Fact | DKB (Deutsche Kreditbank) | Nexo |
|---|---|---|
| Loan amount | €2,500 to €100,000 | Not confirmed |
| Term | 12 to 120 months | Not confirmed |
| Credit check | Soft prequal | Not confirmed |
| Funding time | Privatkredit Sofort: usually within 30 minutes; Privatkredit Klassisch: within 1-2 days | Not confirmed |
| 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 | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Lender type | Direct lender | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| 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 | Not confirmed |
| Loan types | Personal, Car, Debt consolidation | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Brokers
| Fact | DKB (Deutsche Kreditbank) | Nexo |
|---|---|---|
| Account fee | €0 | Not confirmed |
| Markets | Stocks, ETFs, Funds, Bonds | Not confirmed |
| Platforms | Web Banking, DKB App | Not confirmed |
Debit cards
| Fact | DKB (Deutsche Kreditbank) | Nexo |
|---|---|---|
| Monthly fee | €0 | €0 |
| Free ATM withdrawals | Not confirmed | €200 to €2,000 |
| Card type | Debit | Debit |
| Cashback rate | Not confirmed | 0.1% to 2% |
| Card network | Visa | Mastercard |
| Currencies | Not confirmed | 100 |
| Custody | Not confirmed | Custodial |
Savings
| Fact | DKB (Deutsche Kreditbank) | Nexo |
|---|---|---|
| Deposit protection | EU DGS up to EUR 100,000 | Not confirmed |
Mortgages
| Fact | DKB (Deutsche Kreditbank) | Nexo |
|---|---|---|
| Fixed period | 5 to 30 years | Not confirmed |
| Purpose | Purchase, Remortgage | Not confirmed |
Crypto wallets
| Fact | DKB (Deutsche Kreditbank) | Nexo |
|---|---|---|
| Wallet type | Not confirmed | Mobile |
| Coins supported | Not confirmed | 100 |
Where each stands against the rest
| Fact | DKB (Deutsche Kreditbank) | Nexo | Median |
|---|---|---|---|
| Annual fee | €29.88highest quarter | €0at the median | €0 |
| APR | 6.99%below the median | from 1.9%lowest quarter | 11.635% |
| Currency conversion fee | Not confirmed | 0.2% to 2.5%below the median | 1 |
| Cashback rate | Not confirmed | 0.5% to 2%above the median | 1.5 |
Median across 486 listed providers.
Pros and cons
DKB (Deutsche Kreditbank)
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.
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.
Nexo
Pros
- No monthly or annual card fees: €0 and €0.
- Crypto cashback is available in NEXO Tokens or BTC at Platinum tier in Credit Mode.
- Multi-currency use, virtual cards, travel, Apple Pay and Google Pay are supported.
Cons
- Foreign exchange costs are 0.2% to 2.5%, which may add to overseas spending.
- Supported crypto is held in custodial custody under custodial.
- Cashback and ATM terms depend on card tiers, so lower tiers receive less favourable benefits.
Who each suits
DKB (Deutsche Kreditbank)
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.
Nexo
Who it suits
- Businesses seeking a multi-currency card with no monthly or annual card fees.
- Crypto users comfortable with crypto cashback and custodial custody.
- Travellers who want Mastercard, virtual-card, Apple Pay and Google Pay support.
Who should look elsewhere
- bunq may suit readers whose stated foreign exchange fee range is 0.5% to 3%.
- Varo Believe Secured Credit Card may suit readers focused on a card with a stated monthly fee of $0.
- Wise may suit readers looking for a different everyday money platform, with a stated monthly fee of £0.
Current offers
DKB (Deutsche Kreditbank)
Current offer
Bonus
Welcome bonus for new credit card holders: €30
Make three purchases of €5 or more each within 6 weeks of application. Valid for applications between 08/17/2026 and 12/31/2026. Bonus credited approximately 3 months after application
Source, checked September 26, 2026
First period offer
First year annual fee waived: €29.88
First year card fee covered by promotion if bonus conditions are met
Source, checked September 26, 2026
Country by country
| Country | DKB (Deutsche Kreditbank) | Nexo |
|---|---|---|
| Argentina | No | Yes |
| Australia | No | Yes |
| Austria | No | Yes |
| Belgium | No | Yes |
| Bulgaria | No | Yes |
| Croatia | No | Yes |
| Cyprus | No | Yes |
| Czechia | No | Yes |
8 of 36 countries where either is available.
Questions about each
DKB (Deutsche Kreditbank)
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.
Nexo
What are the Nexo card fees?+
Nexo lists a monthly card fee of €0 and an annual card fee of €0. Its published perks also state that there are no monthly, annual or inactivity card fees.
What is the currency conversion fee?+
Foreign exchange fees are 0.2% to 2.5%. The exact amount can therefore vary, so overseas purchases and ATM withdrawals may cost more than transactions made in the card's base currency.
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