Updated September 29, 2026 · SumCue Editorial Team
DKB vs XTB
DKB
Higher score in this comparison
XTB
Where DKB and XTB differ
| Compare | DKBReviewVisitVisit | XTBReviewVisitVisit |
|---|---|---|
| Currency conversion fee | 0% to 2.2%Lower | 0.5% |
| Regulators | European Central Bank, Federal Financial Supervisory Authority (BaFin) | Cyprus Securities and Exchange Commission (CySEC), FCA, KNF |
| Annual fee | €29.88 | Not confirmed |
| APR | 6.99% | Not confirmed |
| Rewards type | None | Not confirmed |
| Card kind | Credit | Not confirmed |
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Key differences
- Regulators: only DKB offers European Central Bank, Federal Financial Supervisory Authority (BaFin).
- Regulators: only XTB offers Cyprus Securities and Exchange Commission (CySEC), FCA, KNF.
- XTB is licensed in 2 more countries.
- Currency conversion fee is lower at DKB: 0% to 2.2% vs 0.5%.
- Pricing model: only DKB offers No monthly fee.
- Pricing model: only XTB offers Commission free, Low fees.
- Features: only DKB offers Travel, Virtual card.
- Features: only XTB offers Demo account, Mobile app, Crypto.
- Audience: only DKB offers Student, Kids.
- Audience: only XTB offers Beginners.
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.
XTB
XTB suits beginners who want an account for shares, forex, CFDs and crypto without a monthly charge, and the cost side is thin: the account fee is €0 and the stock trade fee is €0. The catch is the inactivity fee of €10 and a currency conversion fee of 0.5%.
Score breakdown
| Area | DKB | XTB |
|---|---|---|
| Cost | 9.3HigherMonthly fees run €0 to €4.50 with currency conversion fees of 0% to 2.2% | 9.2Account fee of €0 and stock trade fee of €0 lead, with an inactivity fee of €10 the offset. |
| Offer | 8.9Visa debit of debit on Visa with platforms on Web Banking and DKB App | 9.2Higher |
| Trust | 9.4Supervision under European Central Bank and Federal Financial Supervisory Authority (BaFin) with deposit protection of EU DGS up to EUR 100,000 | 9.5Higher |
Spending 1,000 abroad
DKB
0 to 22
0% to 2.2% of 1,000
XTB
5
0.5% of 1,000
DKB comes out 5 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 29, 2026.
Licences and countries
| Country | DKB | XTB |
|---|---|---|
| Cyprus | Not confirmed | Cyprus Securities and Exchange Commission (CySEC) MiCA CASP 259400HM2TR4U3LF5D43 |
| Germany | Not confirmed | |
| Poland | Not confirmed | |
| United Kingdom | Not confirmed |
Where they rank in our lists
| Ranking | DKB | XTB |
|---|---|---|
| Savings | 6 of 1492 | 2 of 1492 |
| Credit and debit cards | 4 of 1594 | 1 of 1594 |
Every fact side by side
| Fact | DKB | XTB |
|---|---|---|
| Pricing model | No monthly fee | Commission free, Low fees |
| Features | Travel, Virtual card | Demo account, Mobile app, Crypto |
| Audience | Student, Kids | Beginners |
| Legal entity | Not confirmed | XTB Limited |
| Headquarters | Not confirmed | Cyprus |
| Founded | Not confirmed | 2002 |
| Support channels | Not confirmed | Email, Chat, Phone |
Savings
| Fact | DKB | XTB |
|---|---|---|
| Headline rate | 1% | 4%Higher |
| Rate type | Variable | Variable |
| Term | 12 to 120 months | Not confirmed |
| 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 | Interest on uninvested funds, calculated daily and paid monthly within five days of month end, no minimum or maximum balance, withdraw any amount to your bank account |
| Monthly fee | €0 to €4.50 | £0 |
| Account kind | Easy access | Easy access |
Crypto exchanges
| Fact | DKB | XTB |
|---|---|---|
| Taker fee | Not confirmed | 0% |
| Coins listed | Not confirmed | 45 |
| Fiat deposit methods | Not confirmed | Bank |
| Maker fee | Not confirmed | 0% |
| Withdrawal fee | Not confirmed | Free above 100 USD/EUR |
| Derivatives | Not confirmed | Yes |
| Exchange type | Not confirmed | Cex |
Where each stands against the rest
| Fact | DKB | XTB | 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 | 0.5%below the median | 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
XTB
Pros
- The account fee is €0 and the stock trade fee is €0, which places XTB at 1 of 166 brands on the share dealing charge.
- The minimum deposit is €0, putting XTB at 1 of 218 brands on the amount needed to start.
- Deposit protection is FSCS up to GBP 85,000 and investor protection is EU ICS up to EUR 20,000, both stated with figures rather than vague wording.
Cons
- The inactivity fee is €10, and at 39 of 56 brands on that measure XTB sits well outside the free group.
- A currency conversion fee of 0.5% applies even though the stock trade fee is €0, which bites on any US share held in a euro or sterling account.
- Retail leverage runs to 1:30 and 77% of retail accounts lose money, so free dealing does not mean free from risk.
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
XTB
Who it suits
- Beginners new to investing, since the audience XTB is built for is beginners and the minimum deposit is €0.
- UK and EU customers who want stocks, etfs and forex behind a single login and who read FSCS up to GBP 85,000 before funding.
- People who want the same platform on desktop and phone, with xStation 5 and xStation Mobile both carrying the account.
Who should look elsewhere
- Not bunq, which asks for a minimum deposit of €10 where XTB opens at €0.
- Not CFI if the opening amount is your only guide, since its minimum deposit is also $0 and the real difference is markets and protection.
- Not Fiesta Credito MX, listed under CONDUSEF for credit rather than for trading stocks, etfs and forex.
Current offers
Country by country
| Country | DKB | XTB |
|---|---|---|
| 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.
XTB
What does it cost to hold an XTB account?+
The account fee is €0 and the monthly fee is £0, so there is no standing charge for keeping the account open. The recurring cost to watch is the inactivity fee of €10, which applies when an account is left unused. If you hold uninvested funds you also earn interest, calculated daily and paid monthly, with no minimum or maximum balance.
How much does it cost to buy shares on XTB?+
The stock trade fee is €0 and the account runs on a commission free and low fees model, so a share trade carries no commission. The charges that remain are the currency conversion fee of 0.5% when the trade currency and your account currency differ, and any spread built into the price. For an account holding US shares, that conversion fee is what turns a trade with a stock trade fee of €0 into a cost.
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