Overview
DKB-Business, at a glance.
DKB-Business is a bank headquartered in Germany, regulated by ECB / BaFin. The company behind DKB-Business is Deutsche Kreditbank AG. Business accounts cost €15 a month. Opening an account takes 3–5 days.
Deutsche Kreditbank AG is a German bank supervised by the ECB and BaFin. Eligible deposits are protected up to €100,000 by the statutory scheme (Entschädigungseinrichtung deutscher Banken), with further voluntary protection through the Deposit Protection Fund (ESF).
Why businesses pick DKB-Business
- All electronic bookings included for €15 a month
- DATEV and multi-banking (StarMoney) connections at no extra cost
- Visa business credit card, with free cash in the euro area
- A German bank with statutory and voluntary deposit protection
- Opened online with Video-Ident
Watch out for
- For the self-employed and named professions; companies are not named
- Card fees under the price list, not shown on the page
- EUR only
- German-language service
- No list of refused industries published
Business fit
Will DKB-Business accept your business?
Four quick answers. Where your company is registered and what it does rule a provider in or out faster than anything else.
Based on DKB-Business's published rules
Needs review
DKB-Business works with Freelancers, but does not publish the countries it accepts companies from.
DKB-Business does not publish a minimum company age or turnover, so those two answers are not checked here.
This is one provider. Your profile checks all of them.
- Every provider that fits your business
- The reason behind each match
- Company age and turnover checked too
Who it works with
Accepted and not accepted.
What DKB-Business publishes about the businesses it takes on.
Who DKB-Business serves
- Freelancers
- Healthcare
- Professional services
Not supported
Industries and countries DKB-Business does not accept, from its own published lists.
Industries
- Not published
Countries
- Not published
Coverage
Where can you use DKB-Business?
Coverage is a starting point. It does not confirm that every business in these markets is eligible.
Supported currencies
EUR
Payment reach
Not published
Who can apply
Company incorporation countries
Not publishedOwner nationality
Not publishedOwner residency
Not publishedCompany types
Self-employed people and freelancers, Doctors, pharmacists, tax advisers, lawyers, notaries and auditors, Property managers, Part-time farmers
Pricing
What does DKB-Business cost?
Look beyond the monthly fee. Your total cost depends on how many transfers you make, where they go and how much you convert.
Account cost
Opening fee
Not published
Monthly fee
€15
DKB-Business
€15 per month
Setup fee not published
Transaction fees
| Cost | Listed amount | How it is charged |
|---|---|---|
| Incoming | ||
| SEPA | Free | No charge · All electronic bookings included |
| Outgoing | ||
| SEPA | Free | No charge · All electronic bookings included |
Other fees
Currency exchange (FX)
| Cost | Listed amount | How it is charged |
|---|---|---|
| FX markup | Not published |
Cards
| Cost | Listed amount | How it is charged |
|---|---|---|
| Physical card issue | Not published | Visa business credit card; fee in the price list (free for cards issued before 1 July 2026) |
Onboarding
From application to live account.
Opening an account typically takes three to five business days.
- 1
Apply online
Fill in the online application (a few minutes).
- 2
Sign
Download the application PDF, sign it and upload it.
- 3
Video-Ident
Verify your identity by video with your ID card.
- 4
Account live
After a short review the access details and Visa business credit card arrive by post.
Documents you need
Not published
FAQ
Your questions, answered.
Is DKB a bank?
Yes. Deutsche Kreditbank AG is a German bank supervised by the ECB and BaFin. Deposits are protected up to €100,000 by the statutory scheme, plus voluntary protection.
How much does DKB-Business cost?
€15 a month, with all electronic bookings included. Cards are charged under DKB's price list; Visa business credit cards issued before 1 July 2026 stay free.
Who can open DKB-Business?
Self-employed people and freelancers, including doctors, pharmacists, tax advisers, lawyers, notaries and auditors, plus property managers and part-time farmers. DKB says the legal form does not matter.
How do I open it?
Online: fill in the application, sign and upload the PDF, verify by Video-Ident, then receive the documents and card by post.
Alternatives
How DKB-Business compares.
If DKB-Business is not the right fit, these providers work with similar businesses. Compare their listed licences and services below.
| Provider | Licensed in | Known for |
|---|---|---|
 DKB-BusinessThis pageBank |  | GermanyFreelancers |
| FYRSTBank | | Deutsche BankCash deposits |
 KontistBusiness account | | FreelancersTax tools |
 N26 BusinessBank | | FreelancersFree account |
 QontoPayment institution |  | FreelancersInvoicing tools |
Not sure which one fits? Your profile ranks them for your business, with the reason behind each.