DKB (Deutsche Kreditbank) review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
DKB (Deutsche Kreditbank) runs a current account at €0 with a credit card costing €29.88 a year on top, so it suits people already banking with the bank who want fee-free spending abroad. The card pays no rewards, so the annual fee has to earn its place through travel perks and security tools.
Key facts
- Best for
- A free current account plus a credit card for trips abroad, if you already bank with DKB.
- Annual fee
- €29.88 (Source, checked September 26, 2026)
- Rewards type
- None (Source, checked September 26, 2026)
- Perks
- 3 free digital newspapers/magazines monthly via Digital Kiosk, Emergency card and emergency cash if lost abroad, Visa Secure authentication for online purchases, Card Control for transaction alerts and security settings, Worldwide fee-free payments and cash withdrawals at Visa points (Source, checked September 26, 2026)
- Card kind
- Credit (Source, checked September 26, 2026)
- Legal entity
- Deutsche Kreditbank AG (Source, checked September 26, 2026)
- Headquarters
- Germany (Source, checked September 26, 2026)
- Features
- Travel
- Audience
- Kids
- Official website
- dkb.de
Debit cards
- Monthly fee
- €0 (Source, checked September 26, 2026)
- Card type
- Debit (Source, checked September 26, 2026)
- Card network
- Visa (Source, checked September 26, 2026)
- Legal entity
- Deutsche Kreditbank AG (Source, checked September 26, 2026)
- Headquarters
- Germany (Source, checked September 26, 2026)
- Features
- Travel
- Audience
- Kids
Apps and profiles
- Get the app
- Google Play
- Elsewhere
- WikidataTrustpilotLinkedInXWikipedia
Pros and cons
Pros
- Payments and cash withdrawals at Visa points are fee-free worldwide, which suits spending on trips.
- Visa Secure authentication for online purchases and Card Control for alerts and security settings come as standard.
- Emergency card and emergency cash are available if the card is lost while abroad.
Cons
- The credit card charges an annual fee of €29.88 while the current account itself is €0.
- Spending earns nothing back, since the rewards type is none.
Who it suits
- People who bank with DKB and want a Visa credit card without leaving that relationship
- Travellers who want fee-free payments and cash withdrawals at Visa points
- Households in the kids segment of accounts DKB serves
Who should look elsewhere
- Wise, whose annual fee is £0, if paying for a credit line is the sticking point
- Chime Card, whose annual fee is $0, if you want a secured Visa credit card
- Varo Believe, whose annual fee is $0, if you prefer a secured card
Who runs it
The card comes from Deutsche Kreditbank AG, based in Germany. The same provider issues the current account and the card, so the debit side and the credit side sit with a single provider in its home market rather than with separate issuers. Everything runs through one bank's own platform.
How DKB (Deutsche Kreditbank) compares
8.5 vs 9.4
8.5 vs 9.0
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8.5 vs 9.2
8.5 vs 8.8
8.5 vs 8.5
8.5 vs 9.0
8.5 vs 8.8
8.5 vs 8.8
8.5 vs 8.7
8.5 vs 9.2
8.5 vs 9.0
8.5 vs 8.9
8.5 vs 8.8
8.5 vs 9.6
DKB (Deutsche Kreditbank) vs Current Build Card8.5 vs 9.4
8.5 vs 9.4
8.5 vs 9.2
8.5 vs 9.1
8.5 vs 9.1
8.5 vs 9.1
8.5 vs 9.1
8.5 vs 9.1
8.5 vs 8.8
8.5 vs 8.8- 8.5 vs 8.8
- 8.5 vs 8.8
8.5 vs 8.8- 8.5 vs 8.8
8.5 vs 8.5
8.5 vs 8.5
8.5 vs 8.5
8.5 vs 8.3
8.5 vs 8.2
8.5 vs 8.0
8.5 vs 8.0
Where DKB (Deutsche Kreditbank) is available
- Available
- Germany
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does the DKB credit card cost each year?+
The credit card carries an annual fee of €29.88, set by DKB for the card itself. The current account is separate and charges €0, so the fee attaches to the credit line rather than to the everyday account used to pay.
Is there a monthly fee on the DKB current account?+
The current account is €0, so holding it carries no recurring charge. The card on its own is a different matter: the annual fee of €29.88 sits on top, and that is the part worth weighing before applying.
Does the DKB card earn rewards?+
Spending on the card does not build a rewards balance: the rewards type is none. If you spend mainly to collect cashback or points, this card is not built for that, and the annual fee of €29.88 is not offset by any rewards scheme.
Which network does DKB use, and does the card work abroad?+
The card runs on visa, and the account is aimed at travel, with fee-free payments and cash withdrawals at Visa points. That suits trips where you want to pay and withdraw without a conversion charge, though the card carries no travel rewards attached.
What security tools are on the DKB card?+
Visa Secure authentication covers online purchases, and Card Control handles transaction alerts and security settings. Both sit in 3 free digital newspapers/magazines monthly via Digital Kiosk, Emergency card and emergency cash if lost abroad and Visa Secure authentication for online purchases, alongside emergency cover if the card is lost while abroad.
Who is the DKB card aimed at?+
DKB lists kids among the audiences it serves, alongside its general current account customers. The product is a credit card paired with a debit current account, so it is designed to be used from an existing banking relationship.
Who is behind the DKB card?+
The card comes from Deutsche Kreditbank AG, based in Germany. The same provider issues the current account and the card, so the debit and credit products sit with a single provider in its home market rather than with separate issuers.
What extras come with the DKB credit card?+
Beyond the security tools, 3 free digital newspapers/magazines monthly via Digital Kiosk, Emergency card and emergency cash if lost abroad and Visa Secure authentication for online purchases covers fee-free payments and cash withdrawals at Visa points, plus digital newspapers and magazines at no charge through a Digital Kiosk. Emergency cover adds an emergency card and emergency cash if the card is lost abroad.
Sources
- dkb.de checked September 26, 2026
Backs: Headquarters, Legal entity
“Deutsche Kreditbank”
- dkb.de/kreditkarte checked September 26, 2026
Backs: Annual fee, Card kind, Perks, Rewards type
“€2.49 per month”
- dkb.de checked September 26, 2026
Backs: Audience, Card type, Card network
“Inklusive kostenloser Visa Debitkarte - Dein kostenloses Girokonto”
- dkb.de/privatkunden/girokonto checked September 26, 2026
Backs: Features, Monthly fee
“Weltweit mit Visa Debitkarte bezahlen - An allen Visa Akzeptanzstellen”
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: APR, Currency conversion fee.
DKB (Deutsche Kreditbank)
A free current account plus a credit card for trips abroad, if you already bank with DKB.