DKB

DKB is a banking & payments product operated by Deutsche Kreditbank AG (DKB). This 2026 review covers operator background, the current tier ladder and the practical decision points before subscribing. The product competes in the banking & payments category against established alternatives, and the choice usually comes down to feature mix, regional coverage and renewal economics rather than headline price alone.

Quick facts

• Operator: Deutsche Kreditbank AG (DKB)
• Headquarters: Berlin, Germany
• Public-market status: wholly owned subsidiary of BayernLB (Bayerische Landesbank); BayernLB is owned by the Free State of Bavaria and Bavarian savings banks
• Founded: 1990
• Category: banking & payments
• Current tiers: DKB Cash / DKB Aktivkunde / DKB Kreditkarte
• Anchor price (2026): DKB Cash current account EUR 0/month with EUR 700/month inbound or EUR 4.50/month otherwise

What is DKB?

DKB is a retail banking or fintech product sold direct through a mobile-first signup flow with regulated deposit accounts under a banking licence or e-money licence. Its product surface covers deposit accounts plus debit and credit card products alongside iOS and Android mobile apps with real-time push notifications, with the recurring subscription billed through the operator's self-serve checkout or sales team. Customers buy a tier matching their household or business profile; the entry tier suits testing the product and higher tiers add features such as instant peer-to-peer payments within the operator's network.

Why choose DKB

Operator and ecosystem context

DKB is run by Deutsche Kreditbank AG (DKB) out of Berlin, Germany, established 1990. That matters because the banking & payments category is increasingly consolidated, and the operator's ownership structure shapes how aggressively the product is supported and how stable the contract terms are over multi-year renewals.

Plan structure and pricing tiers

The tier ladder splits across DKB Cash for testing the product, DKB Aktivkunde for everyday use, and DKB Kreditkarte for the most demanding customers. Anchor pricing for 2026: DKB Cash current account EUR 0/month with EUR 700/month inbound or EUR 4.50/month otherwise. Check Subger's true-price tracker for DKB for all-in renewal costs after taxes and any FX conversion.

Money and banking features

Beyond the headline features, the 2025-2026 development focus for DKB is 2024-2025 continued direct-bank positioning across Germany with strong digital-first features and Visa debit/credit card integration. That signals a credible roadmap and distinguishes the operator from competitors running their banking & payments product on maintenance mode.

DKB features that matter in 2026

Highlights of the current feature set:

• deposit accounts plus debit and credit card products
• iOS and Android mobile apps with real-time push notifications
• instant peer-to-peer payments within the operator's network
• international transfers with transparent FX margin
• savings sub-accounts or vaults with goal tracking
• in-app customer support and online dispute handling

Buyers should treat this list as a baseline for DKB in the banking & payments category. Confirm specific feature availability for your plan and region on the operator's site, since some features and tier names vary between editions.

DKB pricing in 2026

Reference pricing for DKB in 2026: DKB Cash current account EUR 0/month with EUR 700/month inbound or EUR 4.50/month otherwise. The tier ladder typically looks like:

Subger pairs the public price with the actual all-in cost after taxes and any promotional anchors that step up at renewal:

DKB apps and platform support

Surface availability for DKB can vary by region and tier. Confirm current app availability and supported integrations on the operator's site before subscribing.

Who DKB fits

DKB is most likely a good match for the following buyers:

• Consumers who want a mobile-first current account or fintech product with low fees and clear premium-tier benefits — the core target audience for the product.
• The category-focused buyer that specifically wants deposit accounts plus debit and credit card products from a banking & payments operator rather than a generalist platform.
• The growing household or team evaluating the tier ladder (DKB Cash / DKB Aktivkunde / DKB Kreditkarte) and willing to pay up for iOS and Android mobile apps with real-time push notifications.
• The integration-first buyer who needs the platforms and add-ons listed above plus a credible upgrade path as new features are rolled out.
• The cost-conscious shopper who wants to track promotional anchors via Subger's true-price tracker and deals page before committing to an annual contract.

Frequently asked questions

What is DKB and who runs it?

DKB is a banking & payments product operated by Deutsche Kreditbank AG (DKB) headquartered in Berlin, Germany, established 1990. It is sold via direct subscription on the operator's website with payments processed through the operator's billing surfaces or sales contract for premium tiers.

How much does DKB cost in 2026?

Current tiers are DKB Cash, DKB Aktivkunde, DKB Kreditkarte. Anchor reference pricing for 2026: DKB Cash current account EUR 0/month with EUR 700/month inbound or EUR 4.50/month otherwise. Confirm the live regional price on the operator's site before committing, since promotional cycles, FX conversion and per-tier scaling can shift the all-in renewal cost.

Is there a free tier or free trial for DKB?

There is no perpetual free tier listed publicly for the standard DKB subscription; the operator may run introductory trials periodically. Check the live signup page for current trial promotions.

Where is DKB available?

Availability follows the operator's commercial footprint anchored on Berlin, Germany. Confirm regional availability and supported billing currencies on the official site before subscribing, especially for products with region-specific licensing or regulatory rules.

What 2025-2026 developments set DKB apart right now?

The current 2025-2026 development focus is 2024-2025 continued direct-bank positioning across Germany with strong digital-first features and Visa debit/credit card integration. Together with the headline features listed above, that gives buyers a concrete signal that the subscription is being actively developed rather than coasting.

Which platforms and integrations does DKB support?

Coverage spans the surfaces shown in the platform table above. The current web app, mobile apps and (where applicable) APIs or in-person service are the recommended way to consume the service; older integrations may be deprecated in successive releases as the operator focuses engineering effort on supported platforms.

How do I cancel DKB?

Cancel through the account or billing settings on the surface where you bought the plan: the operator's website for self-serve subscriptions or the sales or customer-service contact for contracted agreements. Subger's cancellation guide for DKB walks through each route step-by-step.

Does DKB offer a household, business or family plan?

Family, household and business structures depend on the tier. The DKB Kreditkarte tier commonly adds higher allowances and additional users; the entry DKB Cash tier may restrict the number of users or advanced features. Confirm the per-tier inclusions on the live pricing page before committing to annual billing.

Is DKB worth it compared to banking & payments alternatives?

Value depends on three factors: the specific feature mix you actually use (see the features list above), the regional all-in price after taxes (Subger's true-price tracker for DKB reconciles the headline price with the actual renewal cost), and the credibility of the operator's 2025-2026 roadmap. Weigh these together rather than relying on headline price alone.

How can I track price changes for DKB?

Subger's renewal tracker for DKB records list-price changes plus promotional anchors over time. Pair it with the deals page for current discount codes and the promo codes page for stackable savings at signup.

Get started with DKB

Confirm the current price on the operator's site (DKB Cash current account EUR 0/month with EUR 700/month inbound or EUR 4.50/month otherwise), choose the tier that matches your needs (DKB Cash, DKB Aktivkunde are the most common starting points), and check Subger's deals page for DKB for promotional anchors before completing checkout. Track the subscription's true renewal cost with the true-price tracker once you're signed up.

Related Subger guides

• Cancel DKB guide
• Latest DKB deals
• DKB promo codes
• DKB true price and renewal tracker
• Browse the banking & payments category hub
• All services on Subger