Updated September 29, 2026 · SumCue Editorial Team
DKB vs Finom
DKB
Higher score in this comparison
Finom
What sets them apart
| Compare | DKBReviewVisitVisit | FinomReviewVisitVisit |
|---|---|---|
| Rewards type | None | Cashback |
| Annual fee | €29.88 | Not confirmed |
| APR | 6.99% | Not confirmed |
| Currency conversion fee | 0% to 2.2% | Not confirmed |
| Rewards rate | Not confirmed | up to 3% |
| Card kind | Credit | Not confirmed |
| Regulators | European Central Bank, Federal Financial Supervisory Authority (BaFin) | Not confirmed |
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
- DKB scores higher overall: 9.3 vs 8.9.
- Finom is licensed in 1 more country.
- Finom is available in 10 more countries.
- Pricing model: only Finom offers Fixed rate.
- Features: only DKB offers Travel, Virtual card.
- Features: only Finom offers Rewards.
- Audience: only DKB offers Student, Kids.
- Audience: only Finom offers Business.
Our verdict on each
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.
Finom
Finom is a cash management account for a business audience that pays a fixed 5% headline with a monthly fee of €0 and instant access whenever cash is needed. It suits companies that hold euro reserves and want deposit protection of EU DGS up to EUR 100,000 without locking the money away.
Score breakdown
| Area | DKB | Finom |
|---|---|---|
| Cost | 9.3Monthly fees run €0 to €4.50 with currency conversion fees of 0% to 2.2% | 9.3Running costs stay light: €0 monthly fees on the cash management account, plus a minimum deposit of €0. |
| Offer | 8.9Visa debit of debit on Visa with platforms on Web Banking and DKB App | 9.7HigherThe fixed 5% headline, cashback of up to 3% and instant access with no withdrawal penalties cover interest and reward. |
| Trust | 9.4HigherSupervision under European Central Bank and Federal Financial Supervisory Authority (BaFin) with deposit protection of EU DGS up to EUR 100,000 | 8.2 |
Licences and countries
| Country | DKB | Finom |
|---|---|---|
| Cyprus | Not confirmed | |
| Germany | Not confirmed | |
| Netherlands | Not confirmed | De Nederlandsche Bank (DNB) R180074 |
Available in 1 country for both. Additional countries for Finom: 10.
Where these facts come from
DKB
- dkb.de: 9 facts, checked September 29, 2026
Finom
- finom.co: 9 facts, checked September 26, 2026
How they place
| Ranking | DKB | Finom |
|---|---|---|
| Savings | 6 of 1492 | 3 of 1492 |
| Credit and debit cards | 4 of 1594 | 2 of 1594 |
Every fact side by side
| Fact | DKB | Finom |
|---|---|---|
| Pricing model | No monthly fee | No monthly fee, Fixed rateCovers more |
| Features | Travel, Virtual card | Rewards |
| Audience | Student, Kids | Business |
| Legal entity | Not confirmed | PNL Fintech B.V. |
| Headquarters | Not confirmed | Netherlands |
| Founded | Not confirmed | 2019 |
| Support channels | Not confirmed | Email, Chat, Help centre, Community |
Savings
| Fact | DKB | Finom |
|---|---|---|
| Headline rate | 1% | 5%Higher |
| Rate type | Variable | Fixed |
| Term | 12 to 120 months | Not confirmed |
| Minimum deposit | €0 | €0 |
| Deposit protection | EU DGS up to EUR 100,000 | EU DGS up to EUR 100,000 |
| Access terms | anytime access, payouts only to reference account | Instant access, withdraw at any time with no withdrawal penalties |
| Monthly fee | €0 to €4.50 | €0 |
| Account kind | Easy access | Cash management |
Where each stands against the rest
| Fact | DKB | Finom | Median |
|---|---|---|---|
| Annual fee | €29.88highest quarter | Not confirmed | €0 |
| APR | 6.99%below the median | Not confirmed | 11.635% |
| Currency conversion fee | 0% to 2.2%below the median | Not confirmed | 1 |
Median across 486 listed providers.
Pros and cons
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
Finom
Pros
- A fixed 5% headline, above bunq at 3.01% and Wise at 3.29%.
- The cash management account carries a monthly fee of €0 and a minimum deposit of €0, so nothing is taken back out of the balance.
- Instant access with no withdrawal penalties, so cash can move the same day it lands.
Cons
- Support runs on email, chat and help centre only, so an urgent payment problem has no phone line to call.
- The fixed 5% rate is set rather than linked, so it carries no upside if market rates climb further.
- Deposit protection runs as EU DGS up to EUR 100,000, so a balance above that ceiling carries the risk itself.
Who each suits
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
Finom
Who it suits
- Companies that keep euro working capital in one place and draw on it as invoices clear, on a fixed rate of 5%.
- Business owners who care more about fees than flexibility, since the monthly charge is €0.
- Firms that want deposit protection of EU DGS up to EUR 100,000 without giving up instant access.
Who should look elsewhere
- Personal savers weighing bunq or Wise, because the account is built for a business audience rather than households.
- Anyone who needs a phone line, since support runs on email, chat and help centre only while 80.2% of savings brands take calls.
- Anyone holding more cash than the guarantee scheme covers, since protection runs as EU DGS up to EUR 100,000.
Current offers
DKB
Finom
Current offer
Bonus
Fixed 5% p.a. on EUR funds for the first 5 months: 5% p.a. fixed for 5 months on up to EUR 200,000
Interest Account, new EUR funds; promo rate for the first 5 months, then standard rate from 0.5% to 2.25% p.a. depending on plan; up to EUR 200,000 held; market analysis dated March 2026; Aksys client agreement terms apply
Source, checked September 26, 2026
Free trial
30-day trial on paid plans: 30 days
Paid Basic and Smart plans, excl. VAT; paid monthly or yearly
Source, checked September 26, 2026
First period offer
3 months for free for partners customers only: 3 months free
Customers introduced through the Finom Partner Program
Source, checked September 26, 2026
Country by country
| Country | DKB | Finom |
|---|---|---|
| Austria | No | Yes |
| Belgium | No | Yes |
| Cyprus | No | Yes |
| France | No | Yes |
| Ireland | No | Yes |
| Italy | No | Yes |
| Netherlands | No | Yes |
| Poland | No | Yes |
8 of 11 countries where either is available.
Questions about each
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.
Finom
What interest rate does Finom pay?+
Finom pays a headline rate of 5% on its cash management account, and the rate is fixed. That figure is set rather than something that follows a base rate, so the headline shown is the rate the account pays for as long as it runs. Cashback of up to 3% adds a further stream of return on top of the interest.
Is there a monthly or annual fee?+
Monthly fees on the cash management account are €0, and the pricing model is a no monthly fee setup alongside a fixed rate. The interest is the return line and nothing further is taken from the balance, so a business holding a large euro float keeps the whole 5% headline.
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