DKB Cash review

A free online bank account in Germany, with a world of perks.

DKB, also known as Deutsche Kredit Bank, is a well-known digital bank in Germany. Its four accounts come with a range of perks, from free Euro ATM withdrawals to zero monthly account fees. This review will help you break down the features, costs and considerations involved with DKB cash accounts, to help you pick the best one for you.

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Compare DKB current accounts

Name Product Management Fee Interest Rate Overdraft Card Fee
DKB-Cash: Free current account
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0%
0%
0 €
A current account with fees that comes with a free Visa credit card and free cash withdrawals worldwide.
DKB-Cash: Joint account
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0%
6.65%
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Access and manage shared expenses without restrictions, plus other banking features including an overdraft facility and free DKB Visa cards.
DKB-Cash: Student account
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0%
6.65%
0 €
Enjoy flexible payment features with no account management fee, plus discounts at various partner merchants.
DKB-Cash U18 child account
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0%
0%
0 €
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What is DKB?

DKB is a digital bank that’s a subsidiary of Bayerische Landesbank. It serves over three million users worldwide through its current accounts and personal loan offerings. Its accounts are available in Germany, Switzerland and Austria as well as to German citizens worldwide.

How does DKB work in Germany?

DKB offers four types of accounts, and each comes with a German IBAN number. There’s a free Cash Account, Cash Joint Account, a Cash Student Account and an U18 child account. All accounts come with a handy mobile app, seamless payment options and free Euro cash withdrawals.

What features do you get?

  • Free Euro cash withdrawals. Unlike other digital banks that place a limit on free cash withdrawals, DKB offers unlimited free withdrawals in Euros within the Euro area.
  • Mobile app. The DKB mobile app allows users to easily manage and monitor their finances on-the-go.
  • Cash in shop. This feature allows users to withdraw money at selected shops. Generate a QR code using your DKB app, or on the DKB website, and withdraw cash at shops including Penny, Ludwig, ON! Express and Mobilcom-Debitel.
  • Contactless payments. Use DKB’s Visa credit card or Girocard to make contactless payments.
  • No monthly account fees. DKB accounts do not come with monthly charges or fees.

How do DKB cash accounts work

DKB offers 4 different types of accounts, with features as follows.

Compare DKB with a wide range of current accounts in Germany

Name Product Management Fee Interest Rate Overdraft Card Fee
Commerzbank Free current account
0 €
0%
0%
9.90 €

Receive €100 starting credit after 3 months of account activity

A current account with 0 € fees and cashback at select Shell petrol stations. Includes a Mastercard Classic credit card.
1822MOBILE Current Account
1822MOBILE Current Account
0 €
0%
0%
0 €
Free account management, €20 when you open an account, up to €100 referral bonus and a free savings bank card: your current account 1822MOBILE offers all of this.
Vivid Standard
0 €
0%
0%
0 €
A free bank account with fee-free payments and transfers globally. Enjoy up to 20€ cashback per month.
Comdirect Bank Current Account
4.90 €
0%
6.50%
0 €
A current account with no minimum incoming funds. Includes a free Visa credit card and free cash withdrawals worldwide.
Norisbank Top Current Account
0 €
0%
10.85%
0 €
Benefit from a 0 € account fee, free Maestro card and free cash withdrawals from thousands of locations worldwide.
N26 Standard
0 €
0%
8.90%
10 €
Benefit from no monthly fee, no currency conversion fees and a raft of in-app budgeting features to help you save.
TARGOBANK Starter Account
0 €
0%
0%
0 €
Equipped with all essential banking features, this free account designed to help students or young adults below 30 years old to kickstart their financial independence.
Commerzbank StartKonto
0 €
0%
0%
0 €
A free current account for young people with a free Young Visa credit card. Cashbacks and discounts in more than 2,000 online shops.
N26 Metal
16.90 €
0%
8.90%
0 €
Receive a stainless steel Metal card available in 3 shades, an insurance package and exclusive offers.
TARGOBANK Online-Account
3.95 €
0%
0%
0 €
An online current account that comes with a Visa credit card. Free online transfers and free cash withdrawals at more than 3,000 ATMs.
DKB-Cash: Free current account
0 €
0%
0%
0 €
A current account with fees that comes with a free Visa credit card and free cash withdrawals worldwide.
N26 Smart
4.90 €
0%
8.90%
0 €
A mid-tier, premium subscription plan that comes with a range of essential money management features to help you better manage your finances.
Openbank Free Current Account
0 €
0%
0%
0 €
A free current account with free euro transfers within the eurozone. Includes a debit card with free cash withdrawals worldwide.
N26 You
9.90 €
0%
8.90%
0 €
A smart IBAN account with no currency conversion fees, complimentary insurances and no ATM fees here or abroad.
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How do you use DKB abroad?

DKB splits its customers into Active and Standard users. When you open a DKB account, you are automatically an Active user. Following this, you must maintain a monthly deposit of to maintain your Active status.

Active customers receive a range of perks including when you use DKB abroad. DKB Active customers enjoy free ATM euro withdrawals worldwide and they are not subject to foreign currency transaction costs.

Standard users account enjoy free euro ATM withdrawals in the Eurozone, with a fee of otherwise applying.

How much does DKB cost in Germany?

DKB generally offers low-cost accounts with few fees and no hidden costs. However, there are some fees to watch out for, including:

  • Non-Euro cash withdrawal and payments: fee (Standard Customer account only)
  • ATM withdrawals outside of the Eurozone: fee (Standard Customer account only)
  • Cash im Shop deposit fee: 1.5% (all accounts)
  • Card replacement fee: €10

Is DKB safe?

As a subsidiary of Bayerische Landesbank, DKB is considered a safe bank. Additionally, DKB offers a range of security features to help you keep your money safe. This includes fingerprint secure-logins for the DKB mobile app and the ability to add extra verification layers for online transaction approvals.

Pros and Cons

Pros
  • Free Euro cash withdrawals that could save you plenty in the long-term
  • Cash in Shop allows for easy withdrawals when no ATMs available
  • Contactless payments for quick transactions
  • Card Control features for extra security

Cons

  • No multi-lingual support, so it’s better for those that speak German
  • Easy withdrawals but difficult deposits, as few ATMs offer free deposits and in-shop deposits come with a fee of 1.5%

How to sign up

As DKB is a digital bank, you can simply sign up for an account online. Fill in the DKB online application form and then choose either the Video-Ident or Post-Ident to verify your identity. Follow the steps outlined for the verification process you’ve chosen and submit your application.

To be eligible for an account, you need to be a German resident or have a German residential address. DKB accounts are also available to German citizens living outside Germany and residents of German-speaking nations including Austria and Switzerland.

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