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Postbank review

Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Postbank suits students and families who want a current account with a card attached, with a monthly fee of €0 to €5.90 and a card on the mastercard network. The catch sits in the running costs, so anyone paying abroad or taking cash out should weigh those charges first.

Key facts

Best for
A current account with a card for students and families in the home market, judged on the monthly fee.
Monthly fee
€0 to €5.90 (Source, checked September 26, 2026)
Currency conversion fee
1.85% (Source, checked September 26, 2026)
Free ATM withdrawals
€0 (Source, checked September 26, 2026)
Card type
Debit (Source, checked September 26, 2026)
Card network
Mastercard (Source, checked September 26, 2026)
Legal entity
Deutsche Bank AG (Source, checked September 26, 2026)
Headquarters
Germany (Source, checked September 26, 2026)
Audience
Students, Kids
Official website
postbank.de

Credit cards

Currency conversion fee
1.85% (Source, checked September 26, 2026)
Card kind
Credit (Source, checked September 26, 2026)
Legal entity
Deutsche Bank AG (Source, checked September 26, 2026)
Headquarters
Germany (Source, checked September 26, 2026)
Audience
Students, Kids

Apps and profiles

Get the app
App Store
Elsewhere
WikidataWikipediaLinkedInX

Pros and cons

Pros

  • The account comes with a debit card, and a credit Mastercard card is offered too.
  • The provider is Deutsche Bank AG, based in Germany.
  • One bank covers the current account and the card, and the card runs on mastercard.

Cons

  • Currency conversion costs 1.85%, above the 1% median for the brands listed here.
  • The free ATM withdrawal allowance is €0, and the rank on that measure is 41 among 115 brands listed.
  • The stated audience is student and kids, so the account is designed around a narrower group than most cards listed.
Postbank

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Who it suits

  • Students who want a current account and a card from one provider, at a monthly fee of €0 to €5.90.
  • Parents opening a first account for a young person, since the stated audience covers kids.
  • Households in the home market that keep spending in euros and rarely convert currency.

Who should look elsewhere

  • Wise, for anyone converting currency often, since 1.85% is a standing cost on foreign spend.
  • Varo Believe Secured Credit Card, for a secured credit card instead of a debit account billed at €0 to €5.90.
  • Chime Card (Secured Visa Credit Card), for a secured Visa credit card at a monthly fee of $0.

Fees and FX

Postbank's current account charges a monthly fee of €0 to €5.90, so the bill depends on the tier a holder picks. The Mastercard charges 1.85% to convert foreign currency, which applies to spending abroad. A holder who spends mainly in euros is left with just €0 to €5.90 for everyday card use, and pays conversion only on other currencies.

The company behind it

The account and the card are issued by Deutsche Bank AG, which is based in Germany. Both products sit with the same provider, so an applicant deals with one bank for the current account and the Mastercard. A visitor weighing the provider can check which entity holds the account and where it is registered.

How Postbank compares

Where Postbank is available

Available
Germany

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much is the Postbank monthly fee?+

The current account charges a monthly fee of €0 to €5.90, depending on the account tier. That range starts at the bottom of the scale, and Postbank sits at 1 on monthly fee across the brands listed here. The median monthly fee on the site is €0.

What does Postbank charge to convert currency?+

Conversion costs 1.85% on the card. The median across brands listed here is 1% and the upper figure is 2.5%, so Postbank sits above the middle of the market on foreign spend. Anyone converting often may prefer a multi-currency account.

Are free ATM withdrawals available?+

The free ATM withdrawal allowance is €0, so cash machine withdrawals fall outside the free allowance. On free withdrawals, Postbank ranks at 41 among 115 brands, and the upper figure for the brands listed here is €118.23.

Is the Postbank card a debit card or a credit card?+

Postbank offers both. The current account comes with a debit card, and the Mastercard product is a credit card. Spending on the debit card draws on the current account balance, while the credit card is a borrowing arrangement that works differently.

Who is the Postbank account aimed at?+

The stated audience is student and kids, so the account is built for students and for parents of younger children. On the site, student and kids accounts make up 18.8% and 37.5% of listings. Anyone outside that group can still use the account, though the design centres on those two groups.

Who runs Postbank and where is it based?+

The account is provided by Deutsche Bank AG, which is based in Germany. The same entity stands behind the current account and the Mastercard card, so the provider relationship is the same on both sides. Nothing in the listing splits the account provider from the card issuer.

Which card network does Postbank use?+

The card runs on mastercard. Among the brands listed here, Visa accounts for 58.6% and Mastercard for 38.5%, and in the debit rankings Mastercard stands at 34.6%. Cash machines and shops that do not accept mastercard sit out of reach, which is worth checking before a trip.

Sources

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Protection.

Postbank

Postbank

A current account with a card for students and families in the home market, judged on the monthly fee.

8.9/10See alternatives