Updated October 17, 2026 · SumCue Editorial Team
DKB vs iuvoSAVE
DKB
Higher score in this comparison
iuvoSAVE
Where DKB and iuvoSAVE differ
| Compare | DKBReviewVisitVisit | iuvoSAVEReviewVisitVisit |
|---|---|---|
| Headline rate | 1% | 5%Higher |
| Rate type | Variable | Fixed |
| Term | 12 to 120 monthsHigher | 3 months |
| Minimum deposit | €0Lower | €10 |
| Access terms | anytime access, payouts only to reference account | Funds can be added at any time and early exit is allowed before the due date, capped at 10 000 EUR per month per iuvoSAVE version, with a 1% fee on the amount exited early; balance becomes available automatically after the due date unless renewal is selected |
| Monthly fee | €0 to €4.50 | €0 |
| Account kind | Easy access | Fixed |
| Deposit protection | EU DGS up to EUR 100,000 | 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 9.0.
- Minimum deposit is lower at DKB: €0 vs €10.
- Headline rate is higher at iuvoSAVE: 5% vs 1%.
- Term is higher at DKB: 12 to 120 months vs 3 months.
- Pricing model: only iuvoSAVE offers Fixed rate.
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.
iuvoSAVE
For households in Europe, iuvoSAVE is a P2P portal for purchasing receivables through a mobile app with ongoing access to added funds. It appeals to beginners wanting simple mobile actions, automated allocation and carefully screened originators focused on reputation and stability.
Score breakdown
| Area | DKB | iuvoSAVE |
|---|---|---|
| Cost | 9.3HigherMonthly fees run €0 to €4.50 with currency conversion fees of 0% to 2.2% | 9.1 |
| Offer | 8.9Visa debit of debit on Visa with platforms on Web Banking and DKB App | 9.7Higher |
| Trust | 9.4HigherSupervision under European Central Bank and Federal Financial Supervisory Authority (BaFin) with deposit protection of EU DGS up to EUR 100,000 | 8.4 |
Pick DKB if, pick iuvoSAVE if
Pick DKB if term and minimum deposit matter most.
Pick iuvoSAVE if offer and headline rate matter most.
Positions in our rankings
| Ranking | DKB | iuvoSAVE |
|---|---|---|
| Savings | 6 of 1492 | 14 of 1492 |
Where these facts come from
DKB
- dkb.de: 10 facts, checked September 29, 2026
iuvoSAVE
- iuvo-group.com: 12 facts, checked September 26, 2026
Every fact side by side
| Fact | DKB | iuvoSAVE |
|---|---|---|
| Pricing model | No monthly fee | No monthly fee, Fixed rateCovers more |
| Legal entity | Not confirmed | IUVO GROUP OÜ |
| Headquarters | Not confirmed | Estonia |
| Founded | Not confirmed | 2016 |
| Support channels | Not confirmed | Email, Chat, Phone |
Credit cards
| Fact | DKB | iuvoSAVE |
|---|---|---|
| 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 | Mobile app |
| Card kind | Credit | Not confirmed |
| Audience | Student, Kids | Not confirmed |
Where each stands against the rest
| Fact | DKB | iuvoSAVE | Median |
|---|---|---|---|
| Headline rate | 1%lowest quarter | 5%above the median | 3.3% |
| Term | 12 to 120 monthshighest quarter | 3 monthslowest quarter | 60 |
| Minimum deposit | €0below the median | €10above the median | €1 |
| Monthly fee | €0 to €4.50at the median | €0at the median | €0 |
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
iuvoSAVE
Pros
- Mobile app handles receivables activity within a couple of clicks.
- Auto Assign places available funds using predefined selection filters.
- Only approved originators appear after reputation and stability checks.
Cons
- Range stays focused on receivables with no wider asset types shown.
- Access stays centred on the mobile app without branch service.
- Portal positioning reflects Europe rather than worldwide coverage.
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
iuvoSAVE
Who it suits
- Households in Europe exploring receivables investing
- Beginners wanting simple clicks plus automated allocation
- People keeping access to added funds
Who should look elsewhere
- People wanting branch service
- People wanting asset classes beyond receivables
Current offers
Country by country
| Country | DKB | iuvoSAVE |
|---|---|---|
| Belgium | No | Yes |
| Germany | Yes | No |
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.
iuvoSAVE
What does iuvoSAVE offer?+
iuvoSAVE provides a portal for purchasing receivables with predictable maturity and return. Management happens through the mobile app within a couple of clicks. Added funds remain accessible at any time while they are put to work.
Which markets does iuvoSAVE serve?+
iuvoSAVE presents itself as a P2P portal in Europe. Its messaging addresses households across the region seeking everyday money products. The footprint stays European rather than extending worldwide.
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