DKB: Credit card will cost extra in the future

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)

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)

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.

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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.

Frank Mccarthy

<p class="sign">"Certified gamer. Problem solver. Internet enthusiast. Twitter scholar. Infuriatingly humble alcohol geek. Tv guru."</p>

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