DKB review

The debit account has a €0 monthly fee, which is the €0 across the brands on DebitCue. The credit card is charged separately at €29.88 a year, so holding both costs more than the account alone.

Worldwide payments and cash withdrawals at Visa points carry no fee, and the card offers emergency card and cash if it is lost abroad (3 free digital newspapers/magazines monthly via Digital Kiosk, Emergency card and emergency cash if lost abroad and Visa Secure authentication for online purchases). That suits trips where you pay mostly at Visa outlets rather than at a bureau de change.

DKB is supervised by Bundesanstalt fur Finanzdienstleistungsaufsicht, the German financial services regulator. Its legal entity is Deutsche Kreditbank Aktiengesellschaft, based in Germany, so the debit account and the credit card sit with a regulated German bank.

DKB lists two products under the same brand. The card type is debit and the card kind is credit, so the everyday spending card and the borrowing card are separate choices you pick between.

The rewards type is none, so the credit card pays nothing back for your spending. What it does add is a set of practical extras, including Digital Kiosk magazine access and card 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).

The audience is listed as kids and the feature focus is travel, so families with children and people who travel fit the range. Daily spending and trips are the two areas the products are designed around.

Yes, through Visa Secure for approving online purchases and Card Control for transaction alerts and security settings (3 free digital newspapers/magazines monthly via Digital Kiosk, Emergency card and emergency cash if lost abroad and Visa Secure authentication for online purchases). Approval happens at checkout, and the alerts let you keep an eye on card activity between statements.

The card runs on visa, and that same network is what makes the fee free worldwide payments and withdrawals possible (3 free digital newspapers/magazines monthly via Digital Kiosk, Emergency card and emergency cash if lost abroad and Visa Secure authentication for online purchases). Visa is the most common network among the cards ranked here, at 58.6%.