Bank Account (Girokonto)
DKB (Deutsche Kreditbank) Review (2026)
Best for: Settled expats who travel and want free worldwide ATM withdrawals
Setup fee
€0.00
Monthly fee
Free
Setup time
Online application with video ID; 5-7 business days
Languages
DE
Mobile app
Yes (4.5/5)
Key Features
- Free account with ≥€700/month deposit (otherwise €4.50/month)
- Free Visa debit card included
- Free worldwide ATM withdrawals with Visa debit
- 0% foreign transaction fee (as Aktivkunde)
- Competitive savings rate on DKB Visa card
- Good mobile app with modern features
Limitations
- SCHUFA check required — difficult for newcomers
- German-only interface and support
- No branches — online/phone only
- No free cash deposit option
- Account opening can take up to 2 weeks
Pricing Plans
DKB Girokonto
Free
- €0/month with ≥€700 monthly deposit (otherwise €4.50)
- Visa debit card
- Free worldwide ATM withdrawals
- 0% foreign exchange fee (Aktivkunde)
- Apple/Google Pay
Eligibility
Who can use DKB (Deutsche Kreditbank)?
| Requirement | Status | Notes |
|---|---|---|
| nationality: non eu | Accepted | With valid residence permit |
| nationality: eu citizen | Accepted | — |
| visa type: student visa | Accepted | — |
| visa type: job seeker visa | Accepted | — |
| language: no german required | Not accepted | German-only interface and support |
| credit check: schufa not required | Not accepted | SCHUFA check required |
About DKB (Deutsche Kreditbank)
DKB is a popular direct bank offering a free account with €700/month deposits. Known for free worldwide ATM withdrawals with their Visa debit card — a huge advantage for international students who travel. No branches, but solid online banking.
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