In the future, only new DKB customers will get a debit card instead of a credit card for free.
DrThe current account of the DKB (Deutsche Kreditbank) has offered a Visa credit card for free for a long time. Unlike the competition, it was a real credit card with a monthly cost. But that’s over now: The DKB will soon charge this credit card, according to a press release previously received by COMPUTER BILD. Customers only receive a free Visa debit card, through which all amounts are immediately debited from the current account. DKB’s unique selling point has disappeared compared to many other free accounts. Many competitors already only include debit cards, as our credit card comparison shows.
Checking Account Comparison: Free or Fee – Overview
Monthly account fee?
Free gyrocard?
girocard free partner?
Girocard cash withdrawal fee
Effective annual interest rate for permitted overdraft (overdraft facility)
Free credit card?
Cash withdrawal fees via credit card in the machine
Free partner credit card?
cashback program
banking app
Google Pay and Apple Pay
Number of branches in d
Not from 700 € of money received per month, otherwise 3.90 € / month
And
No
in Germany a maximum of 6 withdrawals / month for free, then 2 euros; Outside Germany 1% of sales (at least €6)
7.17%
In the first year, then only with a sales number of at least 4000 euros / year, otherwise 29.90 euros / year
in Germany 2% (at least €2.11); Free at EU level; Outside the EU 1.75%
No
No
And
Noor Google Pay
none (bank direct)
Not from 700 euros of money received per month or as an active customer or under 28 years old, otherwise 4.90 euros
And
No
Free in Germany and the Eurozone, otherwise 1.75%
6.5%
No (1.90€/month), Free Visa Debit Card
4.90 € for a Visa debit card: 3 withdrawals / month free worldwide, from the 4th transaction: 4.90 €
No
Yes (Saving Bonus)
And
And
none (bank direct)
From July 1st: Not from 700€ of money received per month, otherwise 4.90€/month
And
No (10€/year)
Free in Germany, otherwise 1%
9.75%
No (39.90€/year)
In Germany 1.95%, otherwise 1.95% + 1.75% + 0.59%
No (29.90€/year)
No
And
And
which – which. 800
No
And
And
Free as an active customer (AK), otherwise outside the Eurozone 2.2%
6.65% as AK, otherwise 7.25%
And
Free as an active customer, otherwise outside the Eurozone 2.2%
And
And
And
And
none (bank direct)
Not from 700 euros of money received per month, otherwise 4.90 euros / month
And
And
From 50 euros free in Germany at 1200 ING machines, otherwise operator fee, outside Germany 5 euros
6.99%
And
From 50 € Free in Germany and in the Eurozone, otherwise 1.99%
And
And
And
And
none (bank direct)
No, but a 0.5% custody fee for deposits over €50,000
And
No
3 withdrawals per month for free in Germany and the eurozone, then 2 euros; Outside the euro area overall 1.7%
8,90%
No credit card available
–
–
No, but partner offers
And
And
none (bank direct)
Not for incoming payments over 500€/month or under 21 years old, otherwise 3.90€
For 12 months (then €24 per year)
And
Free worldwide from Dt-Bank and Cashgroup partners plus 12 free withdrawals from others, after that at least €6
10.85%
And
in Germany 2.5% (at least €6); Other than that for free in the Eurozone; Outside the Eurozone 1.75%
And
No
And
nur Apple Pay
none (bank direct)
1.90 € / month
And
No
Free in Germany with Postbank / CashGroup Machines
10,33%
29.90 € / year
in Germany 2.5% (at least 5 euros); Other than that for free in the Eurozone; Outside the Eurozone 1.85%
No
And
And
No
which – which. 4300
Not from 600 euros of money received per month, otherwise 3.95 euros / month
And
No
Free in Germany at 3200 machines; Otherwise 1%, (at least €5.95), outside Europe plus 2%
7.28%
and (Visa Online Classic)
with credit in Targobank machines free of charge in Germany and the eurozone, otherwise 3.5% (at least €5.95); Outside the Eurozone 1.85% + 2%
Yes (with Visa Online Classic)
No
And
No
337
DKB Credit Card: Now Costs Per Month
Already in June 2021 there were reports of the new card in the DKB ?? Now the start and prices are fixed. The new Visa debit card is available for free with the checking account. The previous version with a monthly credit and debit line will cost €2.49 per month in the future. This applies to both new customers and about 4.8 million existing customers. Existing customers who receive a new Visa discount will have ten weeks to use their old card. Only then does the monthly fee apply. DKB plans to issue the new Visa debit card piece by piece from the first half of 2022.
DKB: Customers must agree
Anyone who has been a DKB customer for a long time must actively agree to the changes due to the BGH ruling of April 27, 2021. The ruling said: “The clauses for contract modifications must therefore not be worded publicly so that the entire contract can be changed without the express consent of the customer. “. The
Consumer Counseling Center Therefore, he was successfully taken to court and recommended: “You can also ask your bank to withdraw other changes to your contract if you have not actively consented to them.” However, banks have now adjusted their approach in the wake of the ruling. The DKB notes this in the press release and asks for customers’ consent: “This is the only way for DKB to continue offering its high-performance products and services and to agree to the existing business relationship in a known and legally valid basis,” according to the DKB.
Girocard for existing customers only
By the way, new customers no longer receive Girocard at all. If you already have one in your wallet, you can continue to use it. “If customers no longer need this, the card can be canceled accordingly,” says the DKB. The new Visa debit card will bring together what a credit card and girocard can do together. By the way, this also includes the payment services Apple Pay and Google Pay, which can still be used via a Visa debit.
