Your German bank account, set up online.
Open a DKB current account for everyday banking in Germany — with a Visa debit card, mobile banking and a simple digital application process.
No extra cost through this partner link. Account opening and approval are handled directly by DKB.
A practical German current account for everyday life.
Salary, rent, subscriptions, groceries, online payments and travel — the DKB current account covers the key banking basics many expats need after moving to Germany.
No account maintenance fee
The first current account is free if you receive at least 700 € per month or if you are under 28 years old.
Online application
Apply online in a few minutes and verify your identity digitally, for example via Video-Ident with your smartphone.
Visa debit card included
Pay conveniently with direct debit from your account — also with Apple Pay and Google Pay where supported.
Pay worldwide
With active status, you can pay worldwide free of charge wherever Visa is accepted.
Withdraw money
Withdraw money from ATMs and selected retailers. With active status, ATM withdrawals are possible almost worldwide free of charge.
Modern banking
Use online banking, the DKB app, real-time transfers, push notifications and card control features.
What makes the DKB account especially attractive?
DKB offers additional benefits with active status. You usually receive active status when at least 700 € per month enters your account.
Typical active status benefits
- Free worldwide payments at Visa acceptance points
- Cash withdrawals almost worldwide free of charge
- Lower variable overdraft interest compared with non-active status
- Useful if you use the account as your salary account
Open your account in three steps.
The process is digital and handled by DKB. German Sherpa provides the partner link and general orientation.
Start online
Choose whether you want to open a personal account or a joint account and start the DKB application.
Verify your identity
Complete the identification process online. Keep your passport or ID document ready.
Use your account
After approval, you receive your banking access, IBAN and card information directly from DKB.
Built for secure digital banking.
DKB provides modern online and mobile banking features for everyday account management.
- German statutory deposit protection up to 100,000 € per customer
- DKB app for banking access and transaction approvals
- Push notifications for cards and account activity
- Card and country settings via Card Control
- Temporary or permanent card blocking through the app
- Customer support and online help provided directly by DKB
Ready to open your German bank account?
Start your DKB application through the German Sherpa partner link. Choose a personal account or a joint account for shared household expenses.
Questions before opening the account?
Is the DKB current account always free?
The first current account is free if at least 700 € per month enters the account or if you are under 28 years old. Otherwise, DKB may charge a monthly account fee. Always check the final DKB conditions before applying.
Can I open a joint account?
Yes, DKB offers a joint account option. This can be useful for couples, flatmates or households that want to separate shared expenses from personal spending.
Is the Visa card a credit card?
The included card is a Visa debit card. Payments are usually debited directly from your current account. Optional card products may have separate fees and conditions.
Does German Sherpa open the account for me?
No. The account application, identity verification, approval and account management are handled directly by DKB. German Sherpa provides guidance and the partner link.
What documents do I need?
You usually need your personal information, contact details and a valid identification document such as a passport or ID card. DKB will show the exact requirements during the application.
Clarity Starts With Structure.
We advise expats who live and work in Germany.
