Updated October 17, 2026 · SumCue Editorial Team
DKB vs Hargreaves Lansdown
DKB
Hargreaves Lansdown
Higher score in this comparison
What sets them apart
| Compare | DKBReviewVisitVisit | Hargreaves LansdownReviewVisitVisit |
|---|---|---|
| Headline rate | 1% | 3.85% to 4.92%Higher |
| Minimum deposit | €0 | £0 |
| Deposit protection | EU DGS up to EUR 100,000 | FSCS up to GBP 85,000 |
| Access terms | anytime access, payouts only to reference account | Easy access: withdraw money at any time, usually takes 1 working day |
| Monthly fee | €0 to €4.50 | £0 |
| Term | 12 to 120 months | Not confirmed |
| Regulators | European Central Bank, Federal Financial Supervisory Authority (BaFin) | Not confirmed |
Same on both: Rate type (Variable), Account kind (Easy access).
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Key differences
- Hargreaves Lansdown scores higher overall: 9.6 vs 9.3.
- Headline rate is higher at Hargreaves Lansdown: 3.85% to 4.92% vs 1%.
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.
Hargreaves Lansdown
Hargreaves Lansdown stands apart from standard banks by combining ISAs, pensions, investments and active savings in one investment service. It serves households in the UK who want long term investing with research, analyst insight and app management in one place.
Score breakdown
| Area | DKB | Hargreaves Lansdown |
|---|---|---|
| Cost | 9.3Monthly fees run €0 to €4.50 with currency conversion fees of 0% to 2.2% | 9.7Higher |
| Offer | 8.9Visa debit of debit on Visa with platforms on Web Banking and DKB App | 9.3Higher |
| Trust | 9.4Supervision under European Central Bank and Federal Financial Supervisory Authority (BaFin) with deposit protection of EU DGS up to EUR 100,000 | 9.8Higher |
Positions in our rankings
| Ranking | DKB | Hargreaves Lansdown |
|---|---|---|
| Savings | 6 of 1492 | 15 of 1492 |
Also worth a look
Finom has headline rate at 5%, against 1% for DKB and 3.85% to 4.92% for Hargreaves Lansdown.
Finom reviewWhat we checked
DKB
- dkb.de: 10 facts, checked September 29, 2026
Hargreaves Lansdown
- hl.co.uk: 12 facts, checked September 26, 2026
Every fact side by side
| Fact | DKB | Hargreaves Lansdown |
|---|---|---|
| Pricing model | No monthly fee | No monthly fee |
| Legal entity | Not confirmed | Hargreaves Lansdown Asset Management Limited |
| Headquarters | Not confirmed | United Kingdom |
| Founded | Not confirmed | 1981 |
| Support channels | Not confirmed | Phone, Help centre |
Credit cards
| Fact | DKB | Hargreaves Lansdown |
|---|---|---|
| Annual fee | €29.88 | Not confirmed |
| APR | 6.99% | Not confirmed |
| Currency conversion fee | 0% to 2.2% | Not confirmed |
| Rewards type | None | Not confirmed |
| Features | Travel, Virtual card | Not confirmed |
| Card kind | Credit | Not confirmed |
| Audience | Student, Kids | Not confirmed |
Where each stands against the rest
| Fact | DKB | Hargreaves Lansdown | Median |
|---|---|---|---|
| Headline rate | 1%lowest quarter | 3.85% to 4.92%above the median | 3.3% |
| Term | 12 to 120 monthshighest quarter | Not confirmed | 60 |
Median across 710 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
Hargreaves Lansdown
Pros
- Covers Stocks and Shares ISA, Cash ISA and pension in one range
- Provides analyst research on stocks, funds, trusts and ETFs
- Supports regular investing through Direct Debit contributions
Cons
- Manages accounts mainly through online tools and the app
- Keeps the focus on market investments rather than everyday banking
- Bond material spotlights gilts rather than a broad fixed income shelf
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
Hargreaves Lansdown
Who it suits
- Households building long term ISA and pension savings
- Investors wanting analyst research on shares and funds
- Savers keeping cash savings beside investments
Who should look elsewhere
- Shoppers seeking everyday current accounts
- Savers avoiding market based products
Current offers
Country by country
| Country | DKB | Hargreaves Lansdown |
|---|---|---|
| Germany | Yes | No |
| United Kingdom | No | Yes |
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.
Hargreaves Lansdown
What pension does Hargreaves Lansdown provide?+
Hargreaves Lansdown provides a Self-Invested Personal Pension for people who want to direct their own retirement savings. The pension sits beside ISAs and investment accounts. It forms a central part of the long term range.
What can clients invest in?+
Clients can hold UK and overseas stocks, funds, investment trusts and ETFs. The range also covers gilts and wider bond market insight. An inhouse analyst team supplies research and analysis across those markets.