# DKB-Business: Business account

> A German online business account from DKB for the self-employed, freelancers, medical and legal professions, property managers and part-time farmers: €15 a month with all electronic bookings included, DATEV and multi-banking connections, and a Visa business credit card. Opened online with Video-Ident.

Finzil profile: https://finzil.com/providers/dkb-business · Provider website: https://dkb.de · Facts checked: 2026-10-20

## Key facts

- **Monthly fee:** €15
- **Currencies:** 1 (EUR)
- **Onboarding:** 3–5 days (typical)
- **Provider type:** Bank
- **IBAN:** German IBAN
- **Payment rails:** SEPA, SEPA direct debit
- **Cards:** Visa business credit card
- **Safeguarding:** Deposit guarantee (EdB) plus voluntary protection
- **Remote opening:** Yes
- **Headquarters:** Germany

## Who can apply

- **Non-resident owners** (owner or director living outside the company's country): Not published
- **Countries of incorporation accepted:** Not published
- **Countries of incorporation refused:** Not published
- **Owner residency accepted:** Not published
- **Owner residency refused:** Not published
- **Owner nationality refused:** Not published
- **Company types accepted:** Self-employed people and freelancers, Doctors, pharmacists, tax advisers, lawyers, notaries and auditors, Property managers, Part-time farmers

## Industries

- **Industries served:** Freelancers, Healthcare, Professional services
- **Prohibited industries (provider's own list):** Not published

## Licences

- Germany: ECB / BaFin, Credit institution, Deutsche Kreditbank AG (https://portal.mvp.bafin.de/database/InstInfo/)

Safeguarding: 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).

## Fees

Source: https://www.dkb.de/geschaeftskunden/konto-anlage/geschaeftskonto (checked 2026-10-20)

### Plans

- **DKB-Business:** 15 EUR a month

### Incoming

- SEPA: Free · All electronic bookings included

### Outgoing

- SEPA: Free · All electronic bookings included

### Currency exchange (FX)

- FX markup: Not published

### Cards

- Physical card issue: Not published · Visa business credit card; fee in the price list (free for cards issued before 1 July 2026)

## Opening an 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: Not published

## Pros and cons

- Pro: All electronic bookings included for €15 a month
- Pro: DATEV and multi-banking (StarMoney) connections at no extra cost
- Pro: Visa business credit card, with free cash in the euro area
- Pro: A German bank with statutory and voluntary deposit protection
- Pro: Opened online with Video-Ident
- Con: For the self-employed and named professions; companies are not named
- Con: Card fees under the price list, not shown on the page
- Con: EUR only
- Con: German-language service
- Con: No list of refused industries published

## Finzil's take (opinion)

DKB-Business is a plain, flat-priced German bank account for freelancers and the professions, with DATEV built in. It is not designed for limited companies with staff and multiple users; those should compare FYRST or Qonto.

## Alternatives

- [FYRST](https://finzil.com/providers/fyrst): Bank · Germany
- [Kontist](https://finzil.com/providers/kontist): Business account · Germany
- [N26 Business](https://finzil.com/providers/n26-business): Bank · Germany
- [Qonto](https://finzil.com/providers/qonto): Payment institution · France

## FAQ

**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.

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