Open Your German Bank Account Online.
Get a modern German current account with DKB — including Visa debit card, online banking, mobile app and digital account opening.
DKB is an official partner of Swiss Life Select & German Sherpa.
A current account built for employees, students and everyday life.
A German bank account makes everyday life much easier: salary payments, rent, insurance premiums, mobile phone contracts and public services are usually handled through your current account.
Simple, digital and expat-friendly.
The DKB current account combines online banking, mobile payments, a Visa debit card and digital account opening — useful for international professionals, students and families living in Germany.
The benefits of the DKB current account.
The account gives you the core banking tools you need for daily life in Germany and abroad.
No account maintenance fees
The first current account is free if you receive at least 700 € per month or if you are under the age of 28.
Open online in minutes
Apply for your account online and verify your identity digitally — without paperwork.
Free Visa debit card
Pay securely and conveniently with direct debit from your account, also with Apple Pay and Google Pay.
Withdraw money
Withdraw cash at many ATMs and selected retailers. Conditions can differ depending on card type, location and active status.
Pay worldwide
With active status, you can pay worldwide free of charge wherever Visa is accepted.
Overdraft interest
The overdraft interest rate is 8.51 % p. a. variable — with active status 7.91 % p. a. variable.
Modern banking from your phone.
Manage your everyday finances digitally: transfers, payments, card settings, push notifications and account overview directly in the app.
Useful digital functions
- Modern, user-friendly online banking
- Powerful mobile app with essential banking functions
- Real-time transfers within the SEPA area
- Push notifications and digital card management
- Digital account opening in just a few minutes
Banking should be simple — and secure.
A good current account needs more than low fees. Security, access and service matter as well.
Security standards
Secure online banking, card control, authentication tools and fraud prevention features for everyday banking.
Deposit protection
Deposits are protected according to German and EU deposit protection rules and applicable bank protection systems.
Customer service
Support is available through digital and standard service channels, depending on the topic and account setup.
A practical account for your everyday life in Germany.
The free DKB current account can be a strong fit for employees, students and couples who want digital banking, mobile payments and an easy way to manage everyday expenses.
- Employees receiving a regular salary
- Students and young professionals under 28
- Couples looking for a joint household account
- Expats who want a German IBAN and digital banking
- People who prefer mobile-first banking
Make sure the account fits your situation.
Before opening an account, check whether you meet the requirements, whether you need a sole or joint account and which services are important for your daily banking.
- Monthly incoming payments of at least 700 € for free account management
- Active status requirements and benefits
- Cash withdrawal rules and minimum withdrawal amounts
- Additional card costs if you select optional cards
- Whether a joint account is better for household expenses
Open a sole account or a joint account.
Use a sole account for your personal banking or a joint account for shared household expenses with your partner.
Sole bank account
Best for salary, rent, insurance payments, subscriptions and personal everyday banking in Germany.
- German current account for one person
- Visa debit card included
- Online banking and mobile app
- Good starting point for expats in Germany
Joint bank account
Useful for rent, groceries, utilities, travel costs and shared monthly expenses with your partner.
- One shared current account for two people
- Useful as a household account
- Better overview of shared expenses
- Two Visa debit cards included according to DKB product information
Open your German bank account with DKB.
Start with a sole account for personal banking or open a joint account for shared household expenses.
Clarity Starts With Structure.
We advise expats who live and work in Germany.
