Applying for the DKB Visa Credit Card in Germany is simple and digital. The card comes as part of a no-fee Deutsche Kreditbank package, including a debit and a Visa card.
Founded in 2000, Deutsche Kreditbank was Germany’s first online-only bank, paving the way for other digital banks like N26 and Vivid.
This card is ideal for managing finances, handling daily expenses, and making secure, cashless payments. It also works well for international travel, providing added flexibility.
DKB Bank Overview
DKB, or Deutsche Kreditbank, is one of the leading online banks in Germany, known for offering efficient banking services. The DKB Visa Credit Card is a popular product among users in Germany.
It provides convenient access to funds, and the application process is straightforward. Founded in 1990, DKB operates as a subsidiary of the Bavarian Landesbank and serves millions of customers across the country.
The DKB Visa Credit Card comes with numerous benefits, such as no annual fees for customers who meet certain conditions, and it allows for easy, secure transactions worldwide.
DKB Bank Accounts: Types and Fees for Private Use
The DKB Visa Credit Card offers flexible options tailored for individuals in Germany. When applying for a DKB card, users can choose between various account types that match their needs.
The standard DKB checking account works for most people, while joint accounts serve partners well. For students and children, specific account types include a German IBAN.
Key benefits of the DKB Visa Credit Card:
- No Monthly Fees: For individuals under 28 or active customers, there are no monthly fees for the account and card.
- Free Debit Card: The DKB Visa debit card supports contactless and mobile payments, making everyday purchases simple.
- Credit Card Options: You can opt for a DKB credit card for a monthly fee.
- International Payments: No additional fees for card payments within Germany or abroad.
- Cash Withdrawals: Free withdrawals at ATMs globally from €50, plus access to cash at retailers like REWE and Rossmann, ranging from €50 to €300.
- Foreign Currency: Active customers pay no fees for card payments and withdrawals in foreign currencies. Inactive customers incur a 2.2% fee for foreign transactions.
- Free Banking: DKB offers free online and mobile banking with unlimited transactions.
VISA Credit Card – DKB
The DKB Visa Credit Card has no account opening fee and no monthly or annual fees. The card itself is always free to use. Cash withdrawals from ATMs worldwide are mostly fee-free, although some countries may impose fees, which are not charged by DKB but by the third-party ATM provider.
The registration process is quick and takes about 5 minutes. It can be completed online, and you’ll just need to verify your identity through an online service or by using PostIdent (passport check at a local post office).
Feature | Details |
---|---|
Credit Card Type | Charge Credit Card |
Cash Withdrawals | Free in the EU |
1.75% fee for withdrawals outside the EU | |
Foreign Currency Payments | Free in the EU |
1.75% fee for payments in foreign currencies outside the EU |
Benefits and Interest Rates of the DKB Visa Credit Card
The DKB Visa Credit Card offers several benefits designed to streamline financial management and reduce costs. These features make it a valuable choice for those seeking simplicity and convenience.
- No Account Management Fees: The card does not charge for account maintenance, making it an affordable option.
- Clear Account Management: Easy-to-use features allow users to track transactions and manage their finances efficiently.
- Free Cash Withdrawals: Active cardholders can withdraw cash for free in Germany and across the Eurozone, which is ideal for frequent travelers.
- High Interest on Credit Balances: Active status cardholders earn 3% interest on their credit balances, offering a higher rate than typical bank savings accounts.
- Mobile Payment Support: The DKB Visa Card works with Apple Pay and Google Pay, ensuring secure and smooth payments.
- Affordable Multiple Checking Accounts: For €2.49 per month, cardholders can open additional checking accounts, improving financial organization.
Application Process for DKB Visa Credit Card
The DKB Visa Credit Card application can be completed online or offline. The steps are straightforward and quick.
Online Application:
- Go to the official DKB website.
- Complete the application form with your personal and financial information.
- Upload scanned copies of the required documents.
- Wait for a confirmation email with further instructions.
Offline Application:
- Visit a DKB branch near you.
- Request and complete the application form.
- Submit your documents at the counter.
- Wait for approval and card delivery.
Both methods are easy, and you can choose whichever suits you best.
Eligibility for the DKB Visa Credit Card
Applicants need to meet a few basic criteria to apply for the DKB Visa Credit Card. These requirements help ensure that users can manage the card responsibly.
Who Can Apply?:
- Age: Applicants must be at least 18 years old.
- Residency: Must be a resident of Germany.
- Stable Income: A steady income is necessary, and a good credit history increases the chances of approval.
Required Documents:
- Proof of Identity: Valid passport or ID card.
- Proof of Income: Recent pay slips or tax returns.
- Proof of Residence: Utility bill or rental contract.
- Application Form: Fully completed application form.
Bank Contact Information
For assistance with your DKB Visa Credit Card, contacting the bank is simple.
- Phone: Call +49 30201550 for any card-related issues.
- Address: Visit or mail to Deutsche Kreditbank AG, 10919 Berlin.
The bank offers comprehensive support for card services and general inquiries. Having the contact number on hand ensures quick help, especially in emergencies.
- Customer Service: DKB provides 24/7 customer care. For any issues, you can call the support team.
- Mobile App: Tech-savvy users can manage most services through the mobile banking app.
- Emergency Support: In case of lost cards, block them immediately by calling their hotline. DKB combines traditional and modern support to assist you promptly.
Conclusion
Applying for the DKB Visa Credit Card is straightforward, with online and offline options. Ensure eligibility and have the necessary documents prepared.
The card provides various benefits for effective financial management. This guide offers a clear path to follow.
Disclaimer: Rates and conditions may change. Always verify details directly with the bank.