DKB (Deutsche Kreditbank) review

Updated September 29, 2026 · BrokerCue Editorial Team · Facts checked September 29, 2026

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Our verdict

DKB: Das kann Bank suits buy and hold investors seeking stocks alongside ETFs, bonds, funds and crypto inside familiar banking with joint accounts and mobile access. Account upkeep stays at €0 while dealing costs sit at €10 under German banking supervision with defined investor cover.

Key facts

Best for
Patient investors seeking German banking with shares and funds in the same place
Stock trade fee
€10 (Source, checked September 29, 2026)
Account fee
€0 (Source, checked September 29, 2026)
Markets
Stocks, ETFs, Bonds, Funds, Crypto (Source, checked September 29, 2026)
Regulators
European Central Bank, Bundesanstalt fuer Finanzdienstleistungsaufsicht (Source, checked September 29, 2026)
Investor protection
EU ICS up to EUR 20,000 (Source, checked September 29, 2026)
Platforms
Web-Banking, DKB-App (Source, checked September 29, 2026)
Account types
Joint (Source, checked September 29, 2026)
Features
Crypto, Mobile app
Official website
dkb.de

Apps and profiles

Elsewhere
Wikidata

Pros and cons

Pros

  • Account upkeep at €0 keeps holding costs contained across market cycles
  • Market mix across stocks, ETFs and bonds spans stocks, ETFs, bonds, funds and crypto in the same place
  • Joint access through joint suits households managing shared long term portfolios
  • Banking plus investing via Web Banking and DKB App keeps cash and securities under familiar access

Cons

  • Dealing at €10 costs more than ActivTrades at $0 for regular stock orders
  • Dealing at €10 costs more than XTB at €0 for frequent equity activity
  • Support runs on help centre only, which gives fewer contact routes than broader rivals
DKB (Deutsche Kreditbank)

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Scored 9.0 / 10 by BrokerCue.

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Who it suits

  • Buy and hold investors building diversified portfolios across stocks, ETFs and bonds with limited trading
  • Households seeking shared oversight through joint with banking plus investing via Web Banking and DKB App

Who should look elsewhere

  • Active stock pickers seeking lower dealing than €10 may prefer XTB at €0
  • High frequency equity traders watching per order cost may prefer ActivTrades at $0

How it compares on our data

Comparison across the tracked set shows a clear split between holding cost and dealing cost. Account upkeep ranks near the very top of the comparison, with placement at 1 among 141 brands. That position reflects upkeep that leaves long term holders with little drag from custody style charges. Stock dealing sits toward the opposite end, placed at 167 among 172 brands. The gap matters because readers often weigh quiet holding against active ordering. Those building steadily and trading sparingly may feel the benefit on the holding side. Those placing orders often may feel dealing cost more keenly. Viewed together, the profile points toward patience rather than pace, with custody economy offset by pricing per execution that rewards restraint and planning across the year.

Fees and costs

Stock dealing is priced at €10 per execution, while account upkeep is priced at €0. The structure is simple to follow because each charge applies at a distinct stage of ownership. Dealing cost lands when orders are placed, so timing and frequency shape the bill across months. Upkeep cost applies to the act of holding, so portfolio size and holding length matter less here than at providers with custody style levies. Readers comparing schedules should place dealing beside expected order cadence, then place upkeep beside planned holding duration. Infrequent buyers adding to established positions may find the balance workable. Frequent buyers slicing orders across many sessions may see dealing accumulate. There are no layered tiers to decode in the stated figures, which helps planning stay direct and grounded in actual activity rather than abstract assumptions.

Markets and platforms

Coverage spans stocks, ETFs and bonds, with stocks, ETFs, bonds, funds and crypto available for portfolio construction. The emphasis falls on listed securities and pooled vehicles, supported by bonds for steadier allocation and crypto for satellite exposure. Access is provided through Web Banking and DKB App, pairing Web-Banking with DKB-App for desktop and mobile use. The pairing keeps research, ordering and oversight inside channels already used for banking, which reduces setup friction for existing customers. Account choice includes joint, allowing shared management where partners invest together toward common goals. The overall arrangement suits measured allocation across core holdings rather than rapid rotation across niches. Readers seeking broad diversification without moving between providers may appreciate having equity, income and pooled exposure inside unified access with shared ownership available.

The company behind it

The provider behind the service is Deutsche Kreditbank Aktiengesellschaft, recorded as Deutsche Kreditbank Aktiengesellschaft. Its home base is Germany, recorded as DE, with origins recorded as 1990. Banking heritage shapes expectations around process, documentation and account administration, with investing positioned beside everyday banking rather than as a standalone venue. Support is offered through help centre, centred on help centre resources that guide readers through setup, ordering and account management. That route suits readers comfortable resolving queries through guides and written material at their preferred pace. Those who value direct contact may need to adjust expectations, since the stated channel centres on self service rather than multiple live routes. The corporate backdrop, domestic base and support model together point toward orderly administration.

How DKB (Deutsche Kreditbank) compares

Frequently asked questions

What does DKB charge for stock dealing and account upkeep?+

Stock orders cost €10 per execution and account upkeep costs €0. Holding therefore stays light while dealing drives total cost, so infrequent orders suit this schedule better than very active dealing.

How is DKB supervised and what cover applies?+

Supervision comes through European Central Bank and Bundesanstalt fuer Finanzdienstleistungsaufsicht. Investor cover is stated as EU ICS up to EUR 20,000. Banking supervision plus defined cover helps readers judge where cash and securities sit.

Which markets can be held through DKB?+

Access covers stocks, ETFs and bonds, including stocks, ETFs, bonds, funds and crypto. That mix suits broad portfolios built around listed securities plus funds and bonds, with crypto available alongside rather than as the central focus.

Which platforms and apps provide access?+

Access runs through Web Banking and DKB App, covering Web-Banking on desktop and DKB-App on mobile. Readers can check holdings, place orders and manage banking activity inside familiar channels without learning separate trading software.

Does DKB support joint accounts?+

Account choice is listed as joint, so households can hold and manage a shared portfolio together. Shared access suits partners managing long term savings in the same place with clear visibility across holdings.

How can customers get help?+

Support runs through help centre, centred on self service help plus online guidance. Readers seeking quick answers can search guides before raising queries, though those preferring phone or live chat may find choice limited.

Which company stands behind the service?+

The provider is Deutsche Kreditbank Aktiengesellschaft, recorded as Deutsche Kreditbank Aktiengesellschaft, based in Germany as DE and founded in 1990. Banking roots shape the service, with investing placed beside everyday accounts rather than beside leveraged speculation.

Sources

Compiled from 2 source pages, checked September 29, 2026. We did not open an account.

Not confirmed yet: Minimum deposit, Inactivity fee, Retail accounts that lose money.

DKB (Deutsche Kreditbank)

DKB (Deutsche Kreditbank)

Patient investors seeking German banking with shares and funds in the same place

9.0/10Visit

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