Account and card. With our partner bank.
DKB's current account with a Visa debit card and, if you wish, the Visa credit card — for FIAON customers with a personal link, in the right order and with your account manager at your side.
The current account
No account fee with €700 paid in each month or under 28, a Visa debit card without annual fee, opened online in about five minutes by video identification, real-time transfers in ten seconds, a free account switching service, Apple Pay and Google Pay.
Active status
From €700 paid in each month or under 28: free payments and cash withdrawals worldwide, no conversion fee, a lower overdraft rate and a free emergency package if you lose your card abroad. New customers have it automatically for the first three months.
The Visa credit card
If you wish, for €2.49 a month, added in online banking once the account is open. Settled once a month in a single sum from the current account, limit based on salary payments, Apple Pay, Visa Secure and emergency package.
Exclusively for FIAON customers
The account is open to everyone. FIAON customers get the guided route: the ready-made link from the partner bank as soon as their account is active, the right order — account first, then card — and their account manager at their side. The bank decides on account and card.
In plain words
FIAON is a cooperation partner of DKB and receives a fee when an account is opened via the link. Customers pay nothing for it, and the package price does not depend on it. Conditions according to dkb.de; DKB's schedule of prices and services is binding.
Frequently asked questions
Is the account really free of charge?
Yes, if at least 700 euros are paid in each month or you are under 28. Otherwise the account fee is 4.50 euros a month. The Visa debit card always comes without an annual fee.
What does Active status bring?
Free payments and cash withdrawals almost everywhere in the world, no surcharge on foreign currencies, a lower overdraft rate and a free emergency package if you lose your card abroad. New customers have it automatically for the first three months.
When do I receive the partner bank's link?
As soon as your account is active, that is with your first booked payment, you receive the ready-made link from our partner bank by email.
Do I get the credit card straight away?
First the account, then the card: you add the Visa credit card in online banking once the account is open. The bank decides on the card and the limit. After approval the card usually reaches you within 2–5 working days, and you can mostly use it with Apple Pay in the app before then.
Why via FIAON rather than directly?
Applying directly works too; the account is open to everyone. Via FIAON the application comes at the right time: with a developed credit profile, in the right order and with your account manager at your side.
Does FIAON earn from my account opening?
Yes, and we say so openly: if DKB opens an account via our link, FIAON receives a fee. You pay nothing for it, and your package price does not depend on it.
Is my money safe with DKB?
Balances are protected by statutory deposit insurance up to 100,000 euros.