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Deutsche Kreditbank AG (DKB): Das kann Bank

Deutsche Kreditbank AG (DKB) has its headquarters in Berlin and was founded in 1990. Today, it is one of the top 20 banks in Germany with around 4,900 employees and a balance sheet of EUR 126.9 billion. DKB products are leaders in the market and are distinguished by their excellent terms and conditions. More than five million customers carry out their banking transactions securely and conveniently online using the latest technologies.

Deutsche Kreditbank AG (DKB) has its headquarters in Berlin and was founded in 1990. Today, it is one of the top 20 banks in Germany with around 4,900 employees and a balance sheet of EUR 126.9 billion. DKB products are leaders in the market and are distinguished by their excellent terms and conditions. More than five million customers carry out their banking transactions securely and conveniently online using the latest technologies.

DKB current account: withdraw free of charge with active status, wherever you land1

The DKB current account with a Visa debit card is free when you pay in at least EUR 700 per month and you can enjoy lots of benefits. For example, pay free of charge, and withdraw money from almost all ATMs free of charge, anywhere in the world where Visa is accepted.2 Your benefits at a glance:

 

  • pay free of charge worldwide – anywhere Visa is accepted2
  • free Visa debit card
  • withdraw money worldwide from almost all ATMs free of charge
  • The DKB app makes banking possible anywhere in the world
  • free emergency package abroad3

 

Your current account can also help you earn miles. As a Miles & More member, you earn 9,000 award miles when you open a current account and 4,000 award miles with your first salary credit. Open a DKB current account now and earn award miles.

Deutsche Kreditbank AG: together we are #moneyimprovers

We attach great importance to sustainable practices: that’s why we focus on sustainable lending and invest around 75% of our total balance sheet in communities, companies and households in Germany. In doing so, we take responsibility for the country and the people. Among other things, DKB finances the construction of housing designed for older people and families, energy-efficient properties, outpatient and inpatient healthcare facilities, as well as building projects in schools and children’s day-care nurseries. We secure the competitiveness of the domestic agricultural economy by investing in production infrastructure and bioenergy. And since as far back as 1996 we have been financing numerous renewable energy projects in wind, solar and hydro power.

1

Active status

New customers are those who do not hold another DKB current account, or have not held one during the past 12 months. All new customers will in principle receive three months of active status when they open a current account and can enjoy the following benefits:

 

- Pay free of charge anywhere in the world where Visa is accepted

- Withdraw money worldwide from almost all ATMs free of charge

- Free emergency package with card or cash in the event of a lost wallet abroad

- Favourable overdraft interest rate of 6.58% p.a. (instead of 7.18% p.a.) variable

- Attractive interest rate benefit of 0.2% on the APR when you take out a DKB personal loan 

 

By crediting a monthly amount of EUR 700 to your account, your active status is maintained. In the case of a review, the three previous months always apply. Not all credits will be considered. Among other things, interest credits, chargebacks, or reverse postings are excluded.

2

What does “free anywhere in the world” actually mean?

DKB does not charge customers for any payments or cash withdrawals in euros made with the Visa debit card. In addition, DKB does not charge active status customers for payments and cash withdrawals in other currencies. Without active status, a currency conversion fee of up to 2.20% of the amount is incurred for these transactions.

 

New customers will in principle receive three months of active status when they open a current account. By crediting a minimum monthly amount of EUR 700 to your account, your status is maintained. In the case of a review, the three previous months always apply. Not all credits will be considered, among other things, interest credits, chargebacks, or reverse postings are excluded.

 

With the Visa credit card [which is subject to a fee], payments and withdrawals at cash machines are free of charge for DKB customers worldwide, whether they are made in EUR or other currencies.

 

For cash withdrawals with the Visa debit card and the Visa credit card, a minimum withdrawal amount of EUR 50 (or the foreign currency equivalent) applies to all customers. Using the mini-cash option with the Visa credit card, which is subject to a fee, amounts of less than EUR 50 (or the foreign currency equivalent) may also be withdrawn from cash machines.

 

Note: It is possible that merchants or operators of cash machines may impose additional usage charges. DKB has no say in that. DKB does not refund such charges. Details of chargeable services, such as the mini-cash option, can be found in the price and service list.

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Emergency package

If your wallet is stolen abroad, for example, you can count on us: With our emergency package, we will supply you quickly with an emergency card or emergency cash. Customers who do not pay in a regular amount of at least EUR 700 a month can receive an emergency card for EUR 180 or emergency cash for a fee of EUR 150.