Reviewed by the editorial team
Apply on official site ↗You'll be taken to DKB's secure website.
⚖ Add to comparisonDeutsche Kreditbank (DKB) · Visa
DKB Visa Debitkarte
DKB's Visa is the long-time favourite for German travellers because it charges 0% on foreign-currency purchases, which over a two-week trip abroad easily saves more than the typical 1.5-2% FX markup other cards add. It's free when held as an active DKB-Girokonto customer. One important caveat: it's a Visa Debitkarte, not a true credit card, so there's no payment float, and cash withdrawals abroad may still hit an ATM operator's own surcharge. Skip it if you want to revolve a balance or earn rewards, since there's no cashback or points here. As of 2026 confirm the Aktivkunde conditions on dkb.de.
⟳ Rates & fees verified June 2026 — always confirm the current terms on the issuer's official site before applying.
What you earn
- ✓0% foreign currency fee on every card payment abroad
- ✓Free card when paired with the DKB current account (Aktivkunde)
- ✓Apple Pay and Google Pay work right out of the box
- ✓Real-time transaction alerts in the DKB app
👍 Pros
- + No annual fee for active account holders
- + Excellent for travel and online shopping in foreign currencies
- + A strong, well-rated mobile banking app
👎 Cons
- – It is a debit card rather than a true credit card, so there is no payment float
- – Cash withdrawals abroad may carry a surcharge from the ATM operator
Can you get it?
- ▸Resident in Germany with a registered German address
- ▸Positive SCHUFA credit standing
- ▸Regular monthly income for the best (Aktivkunde) conditions
- ▸Open a DKB-Girokonto (current account)
Requirements are general guidance — the issuer makes the final decision. Learn more about card requirements →
Was this helpful?
Put it up against similar cards
N26 You
N26
Pick N26 You if you want free foreign spending plus travel insurance without jumping to a…
N26 Metal
N26
N26 Metal is worth it only over You if the extra cover and dedicated support matter to yo…
Hanseatic Bank GenialCard
Hanseatic Bank
The GenialCard is one of Germany's few genuinely free Visa cards with no annual fee and n…
Questions & Answers
No questions yet. Be the first to ask!
Comments (0)
No comments yet. Share your experience!