Opening a bank account at the DKB is easy. On this page, we will show you how.
Requirements for the Account Opening
The DKB almost does not have any requirements for the free account management. However, you should not have any negative Schufa-entry (credit investigation company).
The bank account can be used as a main account, just like I do, or it may serve you as a secondary account, leave account or savings account. Everything is possible, as neither minimum cash flow nor a regular use is required.
DKB Cash is just perfect for almost any application and always free of charge!
Opening an account online
You can only apply for the bank account online.
Identification of the customer
By law, banks are obliged to identify their customers beyond doubt. This can be done at the DKB in three different ways:
- PostIdent-Procedure within Germany
- new personal identification card (nPA) with eID-feature (immediate account opening with an ID-app (AusweisApp)
- Identification-Form outside Germany
The PostIdent-procedure has proven itself in the past 15 years. After completing the online account application (duration: about 5 minutes), the computer will generate a PDF-account application with a PostIdent-coupon.
You will have to print both, sign the account application and take it together with the PostIdent-coupon and your ID or passport to the next branch office of the Deutsche Post. The postal worker will take care of the identification procedure (duration: about 3 minutes) and send all documentation to the DKB.
This whole process is completely free of charge for you.
With new personal identity card and the ID-app (AusweisApp)
Do you already have the new personal identity card (nPA) with enabled eID-feature, as well as a commercially available card reader? Then you can save the trip to the post office. With the ID-app (AusweisApp) of the federal printing office, the DKB can identify you unequivocally (duration: about 3 minutes).
If all data matches and the Schufa (credit investigation company) reports „green light“, then the bank account can be opened right away. The DKB Girocard, as well as the DKB VISA credit card will arrive only a few days later in your mailbox.
Bank account opening from abroad
Emigrated German citizens and some foreign citizens, who are proficient in German language, can apply for the DKB-account from abroad.
As soon as the application was accepted, you will receive a letter or an E-mail with the legitimacy request. In some countries, the legitimate identification is possible through banks, lawyers and notaries, so you do not have to travel to Germany.
You can visit bank/lawyer/notary with your passport or ID. He/she will complete the form for you and send it directly to the DKB. The identification-form is bilingual (German and English language).
There are also countries in which the foreign identification is not approved or temporarily issued. The DKB is working on this problem in order to enable the account opening from as many countries as possible.
DKB Cash Summarized
In order to open the DKB-account, there are very few requirements:
- no negative Schufa-entry (credit investigation company)
- Understanding and Speaking of the German language
Gladly used features of the account DKB Cash
- free account management
- free DKB bank card
- free DKB VISA credit card
- free cash withdrawal from ATMs (worldwide!)
- fair interest on credit balance
- low overdraft interest rates
- Account application within Germany and from abroad possible
- Collecting bonus and discount points (Cashback, optional)
“Go directly to the DKB-account opening”
… free online current account with extras!
Contact data of the Bank
Deutsche Kreditbank AG
Telephone: +49 (0)30 120 300 00
BLZ: 120 300 00
BIC / SWIFT: BYLADEM 1001
Pictures: Federal Ministry of the Interior · DKB AG