Deutsche Kreditbank AG (DKB) is known for attractive offers relating to account management, daily and fixed-term deposits as well as loans.
In December 2024, DKB will present itself with competitive conditions for its products, which are intended to impress both new and existing customers.
In this guide we give you a detailed overview of the current interest rates and conditions – from current accounts to daily and fixed-term deposits to loans.
With lots of numbers and tips, we would like to help you make the best decisions for your finances.
DKB: Interest on checking accounts
The DKB-Cash checking account is one of DKB’s best-known products and impresses with its favorable conditions and additional services.
It is suitable for salary and pension customers as well as students and other private customers.
Conditions for the DKB-Cash account
- Account management: Free with a monthly payment of at least 700€. If no money is received, an account management fee of €4.50 per month to.
- Overdraft interest: The overdraft interest rate is currently 9.28% pawhich is in the middle range compared to other banks.
- Credit interest: Unfortunately, no interest will be paid on balances in the checking account.
- Cards: The checking account comes with a free one DKB VISA debit cardwhich can be used for payments and cash withdrawals worldwide.
Additional services
- Free cash withdrawal: Up to 3 withdrawals per month free of charge worldwide. From the 4th withdrawal, fees of €2.50 per transaction apply.
- Apple Pay and Google Pay: Contactless payment is supported via both the DKB VISA debit card and the Girocard.
- Security features: Cards can be temporarily blocked and limit adjustments made in the app.
Who is the account useful for?
The current account is ideal for customers who regularly at least 700€ Record your incoming money and look for a free account with good features. The ability to withdraw cash worldwide makes the account particularly attractive for frequent travelers. The The DKB account is also available as a joint account for partners.
DKB: Interest on daily money
The DKB daily money account offers a flexible way to park money safely and with interest.
The current interest rate on savings deposits is 1.50% pa to. This interest rate applies to both new and existing customers.
Current conditions of the DKB daily money account:
- interest rate: 1.50% pa
- validity: For new and existing customers
- Investment amount: No minimum or maximum amounts; You can invest any amount of money
- Interest credit: Quarterly; the interest will be credited to your account every three months
- Availability: Daily availability; You can access your credit at any time
- Account management: For free; There are no fees for account management
- Deposit insurance: Legally covered up to €100,000 per customer
The DKB daily money account is a solid option for anyone who wants to invest their money safely and flexibly. With an interest rate of 1.50% pa The DKB offers a good opportunity to increase savings, even if the interest rate is slightly lower compared to top providers. This is particularly practical quarterly interest creditwhich allows you to benefit from the compound interest effect.
A big advantage of the account is that availability at any time of your money – perfect for short-term investments or as an emergency fund. The free account management makes the offer even more attractive. However, you need a DKB checking account to open the daily money account, which could be a small disadvantage for some users.
Security is also guaranteed as the deposits are up to €100,000 are protected by statutory deposit insurance. Overall, the DKB daily money account is a good choice if you have one simple and reliable way to save money without having to make a long-term commitment
DKB: Overview of fixed deposit interest rates
If you want to invest your money over a fixed period of time and benefit from guaranteed interest, DKB offers a range of fixed-term deposit options.
Conditions for the DKB fixed-term deposit
- Running times: Choose between 3 months and 10 years.
- Minimum deposit: €2,500.
- Maximum deposit: €500,000.
- Interest credit: Depending on the term, the interest is paid either annually or at the end of the term.
Current interest rates (as of December 2024)
| Duration | Interest rate pa |
|---|---|
| 3 months | 1.75% |
| 6 months | 2.25% |
| 1 year | 2.25% |
| 2 years | 2.50% |
| 3 years | 2.50% |
| 5 years | 2.50% |
| 7 years | 2.50% |
| 10 years | 2.50% |
Advantages of the fixed-term deposit with the DKB
- Planning security: The interest rate remains constant throughout the entire term, regardless of market fluctuations.
- Higher return: Compared to call money, fixed-term deposits usually offer better interest rates.
- Security: Fixed-term deposits are also protected by deposit insurance €100,000 protected.
Disadvantages of the DKB fixed-term deposit
- Limited availability: The invested capital is not available during the term.
- No adjustment: If interest rates rise, you won’t benefit from higher rates.
DKB: Interest on personal loans
In addition to savings products, DKB also offers attractive conditions for personal loans.
These are suitable for larger purchases, debt restructuring or other financing needs.
Conditions for personal loans
- Loan amount: €2,500 to €75,000.
- Running times: Between 12 and 120 months.
- Effective annual interest rate: Away 6.59% pa (depending on creditworthiness).
- Special repayments: Possible at any time free of charge.
- Processing fees: No.
Sample calculation for a personal loan
Suppose you take out a loan €20,000 with a term of 48 months on. With an effective annual interest rate of 6.59% This results in a monthly rate of approx. 480€.
Advantages of DKB loans
- Flexibility: You can individually adjust the term and the amount of the monthly installments.
- Speed: The application process is completely digital and is usually processed within 24 hours.
- Transparency: No hidden costs or fees.
Conclusion: Who is the DKB products worthwhile for?
DKB offers a wide range of financial products with attractive interest rates.
These are particularly noteworthy Free checking account managementthe Interest rate guarantee for overnight money as well as the Long-term return opportunities with fixed-term deposits. Whether you want to save flexibly or invest your money for the long term – the DKB has a suitable offer for almost every need.
The bank impresses borrowers with transparent conditions and flexible repayment options.
Our tip: Check the current interest rates and DKB promotions regularly to benefit from the best conditions!