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DKB review

Updated September 29, 2026 · SumCue Editorial Team · Facts checked September 29, 2026

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Our verdict

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.

Key facts

Best for
Everyday Visa debit spending linked to a current account
Monthly fee
€0 to €4.50↗
Currency conversion fee
0% to 2.2%↗
Card type
Debit↗
Cashback rate
10%↗
Card network
Visa↗
Features
Travel, Virtual card
Audience
Students, Kids
Official website
dkb.de

Credit cards

Annual fee
€29.88↗
APR
6.99%↗
Rewards type
None↗
Card kind
Credit↗
Regulators
European Central Bank, Federal Financial Supervisory Authority (BaFin)↗
Pricing model
No monthly fee

Savings

Headline rate
1%↗
Rate type
Variable↗
Term
12 to 120 months↗
Minimum deposit
€0↗
Deposit protection
EU DGS up to EUR 100,000↗
Access terms
anytime access, payouts only to reference account↗
Account kind
Easy access↗

Facts checked September 29, 2026, 6 sources

Apps and profiles

Elsewhere
Wikidata

Pros and cons

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
  • Deposit protection of EU DGS up to EUR 100,000 supports confidence for balances held with Deutsche Kreditbank Aktiengesellschaft

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
DKB

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Scored 9.3 / 10 by SumCue.

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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

Using it abroad

When you pay in a currency other than euro, currency conversion fees of 0% to 2.2% apply to the transaction. You can plan holiday budgets, restaurant bills and shop purchases with that range in mind, checking the checkout currency before you confirm. For travel across borders, acceptance on Visa keeps the card usable at stores, hotels, fuel stations and cash points that display the mark. You can choose to pay in local currency or euro where offered, weighing the conversion result shown at the terminal. This setup suits trips, family visits and online orders from sellers who bill abroad, with fees tied to use rather than flat travel packs.

Using it day to day

You use a debit of debit on Visa, so each purchase or withdrawal reduces your available balance straight away. Day to day, that covers groceries, fuel, dining, subscriptions and online checkouts, plus virtual card details for safer web payments where you prefer not to share the physical number. Management runs through Web Banking and DKB App, where you review transactions, move funds, adjust card settings and download statements for household records. Acceptance on Visa supports store terminals, cash machines and e commerce checkouts across many locations. When questions arise about limits, blocks, replacements or pending payments, support on help centre provides guides and answers you can follow at your own pace.

Who runs it

The provider is Deutsche Kreditbank Aktiengesellschaft, based in Germany and established in 1990. That background places the debit card within a full banking offer that also spans accounts, savings, credit and investing services for household needs. Day to day help is organised through help centre, where guides explain card controls, payments, security steps and account access in plain terms. You can look up topics on blocks, renewals, address changes and digital access without visiting a branch. The structure suits readers who prefer centralised online service with written help, clear responsibilities and a long standing domestic institution behind the account.

How DKB compares

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

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.

Is this a debit card or a borrowed funds product?+

The card is a debit of debit on Visa, so spending comes straight from available balance. You can use it for store payments, cash withdrawals and online purchases, including virtual card use. It helps you stay within budget without borrowed funds.

Which apps and online tools can you use to manage the card?+

You manage the card through Web Banking and DKB App, covering balance checks, transfers, card controls and statements. The tools suit everyday money tasks from home or while travelling. Support for queries runs through help centre routes on help centre.

How do you get help with card questions?+

Support is provided through help centre, with guides covering cards, payments, access and security topics. You can search answers at any hour and follow clear steps for blocks, limits and replacements. This suits readers who prefer self service help.

Is money with the provider protected and supervised?+

Balances linked to the bank fall under deposit protection of EU DGS up to EUR 100,000. Oversight comes from European Central Bank and Federal Financial Supervisory Authority (BaFin), with banking operations run by Deutsche Kreditbank Aktiengesellschaft. This structure suits savers and spenders who value regulated account keeping.

Which card features help with travel and online shopping?+

Features include travel and virtual card, covering travel use and virtual card payments for safer online shopping. You can pay abroad, book stays and check out with digital wallets where accepted. Currency conversion fees of 0% to 2.2% still apply to foreign currency transactions.

Sources

Compiled from 6 source pages, checked September 29, 2026. We did not open an account.

Not confirmed yet: Free ATM withdrawals, Protection.

DKB

DKB

Everyday Visa debit spending linked to a current account

9.3/10Visit