Updated September 29, 2026 · SumCue Editorial Team
DKB vs Kraken
DKB
Higher score in this comparison
Kraken
DKB vs Kraken: the differences
| Compare | DKBReviewVisitVisit | KrakenReviewVisitVisit |
|---|---|---|
| Monthly fee | €0 to €4.50 | €0 |
| Currency conversion fee | 0% to 2.2% | 0% |
| Cashback rate | 10%Higher | 0.5% to 2% |
| Card network | Visa | Mastercard |
| Free ATM withdrawals | Not confirmed | €0 |
| Currencies | Not confirmed | 600 |
| Custody | Not confirmed | Self custody |
Same on both: Card type (Debit).
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Key differences
- DKB scores higher overall: 9.3 vs 9.2.
- Kraken is licensed in 1 more country.
- Cashback rate is higher at DKB: 10% vs 0.5% to 2%.
- Features: only DKB offers Travel, Virtual card.
- Features: only Kraken offers Crypto, Mobile app.
- Audience: only DKB offers Student, Kids.
- Audience: only Kraken offers Beginners, Experienced.
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.
Kraken
Kraken suits active crypto traders who also want stocks, ETFs, forex and futures alongside digital assets, with commission free stock dealing at $0 and cover shown as EU ICS up to EUR 20,000. Support runs through help centre routes, so traders who want phone help should weigh that trade off before opening an account.
Score breakdown
| Area | DKB | Kraken |
|---|---|---|
| Cost | 9.3Monthly fees run €0 to €4.50 with currency conversion fees of 0% to 2.2% | 9.3Stock dealing costs stay lean at $0 for equity orders. |
| Offer | 8.9Visa debit of debit on Visa with platforms on Web Banking and DKB App | 9.0HigherMarket choice spans stocks, ETFs and forex with broad coin coverage. |
| Trust | 9.4HigherSupervision under European Central Bank and Federal Financial Supervisory Authority (BaFin) with deposit protection of EU DGS up to EUR 100,000 | 9.3Oversight links to Central Bank of Ireland, Cyprus Securities and Exchange Commission and Financial Conduct Authority with stated scheme cover. |
Licences and countries
| Country | DKB | Kraken |
|---|---|---|
| Germany | Not confirmed | |
| Ireland | Not confirmed | Central Bank of Ireland (CBI) MiCA CASP 9845003D98SCC2851458 IE_CBI PSD_EMI IE_CBI!C453020 |
| United States | Not confirmed | SIPC SIPC member 71030 |
Where they rank in our lists
| Ranking | DKB | Kraken |
|---|---|---|
| Credit and debit cards | 4 of 1594 | 327 of 1594 |
| Debit cards | 2 of 826 | 15 of 826 |
What it costs in practice
A year with 1,000 spent abroad
DKB
€0 to €76
12 × €0 to €4.50 + 0% to 2.2% of 1,000
Kraken
€0
12 × €0 + 0% of 1,000
Both come to the same total.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 29, 2026.
A third option
PUMB has cashback rate at 20%, against 10% for DKB and 0.5% to 2% for Kraken.
PUMB reviewEvery fact side by side
| Fact | DKB | Kraken |
|---|---|---|
| Features | Travel, Virtual card | Crypto, Mobile app |
| Audience | Student, Kids | Beginners, Experienced |
Credit cards
| Fact | DKB | Kraken |
|---|---|---|
| Annual fee | €29.88 | Not confirmed |
| APR | 6.99% | Not confirmed |
| Rewards type | None | Not confirmed |
| Pricing model | No monthly fee | Commission free |
| Card kind | Credit | Not confirmed |
| Regulators | European Central Bank, Federal Financial Supervisory Authority (BaFin) | Central Bank of Ireland, Cyprus Securities and Exchange Commission, Financial Conduct Authority, Financial Crimes Enforcement Network, Central Bank of Ireland (CBI) |
Savings
| Fact | DKB | Kraken |
|---|---|---|
| Headline rate | 1% | Not confirmed |
| Rate type | Variable | Not confirmed |
| Term | 12 to 120 months | Not confirmed |
| Minimum deposit | €0 | $1 |
| Deposit protection | EU DGS up to EUR 100,000 | Not confirmed |
| Access terms | anytime access, payouts only to reference account | Not confirmed |
| Account kind | Easy access | Not confirmed |
Crypto exchanges
| Fact | DKB | Kraken |
|---|---|---|
| Taker fee | Not confirmed | 0.05% to 0.8% |
| Coins listed | Not confirmed | 728 |
| Fiat deposit methods | Not confirmed | Card, Bank, SEPA, ACH, Apple pay |
| Maker fee | Not confirmed | 0% to 0.4% |
| Proof of reserves | Not confirmed | Yes |
| Derivatives | Not confirmed | Yes |
| Exchange type | Not confirmed | Cex |
Crypto wallets
| Fact | DKB | Kraken |
|---|---|---|
| Wallet type | Not confirmed | Mobile |
| Price | Not confirmed | $0 |
| Coins supported | Not confirmed | 728 |
| Backup options | Not confirmed | Seed |
Where each stands against the rest
| Fact | DKB | Kraken | Median |
|---|---|---|---|
| Monthly fee | €0 to €4.50at the median | €0at the median | €0 |
| Currency conversion fee | 0% to 2.2%below the median | 0%below the median | 1 |
| Free ATM withdrawals | Not confirmed | €0below the median | €4 |
| Cashback rate | 10%highest quarter | 0.5% to 2%at the median | 2% |
| Currencies | Not confirmed | 600highest quarter | 8 |
Median across 336 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
Kraken
Pros
- Commission free stock dealing at $0, below DKB at €10
- Low entry with $1 alongside fiat choice across card, bank and SEPA
- Broad venue with stocks, ETFs and forex and 728 plus published proof of reserves
Cons
- Support runs on help centre only, so you manage queries through help centre paths.
- Card funding carries extra cost within Free bank deposits, card 3.75% + 0.25, so bank routes suit cost aware deposits.
- Coin trading fees run 0.05% to 0.8%, so frequent takers should weigh volume tiers.
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
Kraken
Who it suits
- Active traders wanting crypto plus stocks, ETFs, forex and futures in a shared venue
- Cost aware equity investors drawn to dealing at $0 with modest entry at $1
Who should look elsewhere
- ActivTrades if you want phone led help rather than help centre paths on help centre
- DKB if you prefer bank bundled investing over crypto led coverage at 728
Current offers
Country by country
| Country | DKB | Kraken |
|---|---|---|
| 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.
Kraken
What is the minimum deposit to start with Kraken?+
You can open an account with $1, which keeps entry modest for new funders. Bank routes are available alongside card and wallet paths, so you can choose the rail that fits your timing and cost preference.
How much does Kraken charge for stocks and crypto trades?+
Stock dealing is shown as $0, which keeps equity orders lean. Crypto taker fees run 0.05% to 0.8%, so your all in cost depends on asset class, order type and monthly volume tier.
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