DKB | Deutsche Kreditbank AG Reviews 6,417

I’ve been using DKB for a while now, and my experience has been nothing short of frustrating. They’ve removed the once-offered free credit card feature, which is a huge letdown. The real issue, however, is the appalling lack of accountability and support when issues arise.
I had over €5,000 sitting in my account, and for more than a week, I couldn’t withdraw a cent.
Despite numerous attempts to get help, DKBs support system is a total dead end. I scoured both the website and app, but they kept directing me to FAQs that were completely useless for my situation. There was no contact form, and calling their support line was a waste of time—I could never get through to anyone. After multiple emails to their support team, I didn’t get a single response until the issue resolved itself almost a week later. It felt like they just didn’t care.

To add to the frustration, there was no real communication from DKB during this time. Not even a simple acknowledgment that they were aware of the issue. It’s like they leave customers to deal with problems alone, only responding when it’s convenient for them. The complete lack of urgency or proper support channels is unacceptable for a platform that handles significant sums of money.

This entire experience has left me seriously reconsidering whether I should continue using their services. If they can’t be bothered to fix simple withdrawal issues in a timely manner, I can’t imagine trusting them with anything more important in the future. I will be looking for alternatives, and I strongly suggest you do the same if you value your time and money.

Date of experience: 11 April 2024

Horrible service!
1) The new website doesn't work in the US!
2) Whatever problem you call them with (if you can even find a number to call) - if they can't solve it in 5 minutes they will hang up on you!! And they are so unfriendly and unhelpful! The representatives have no clue!
3) I ordered bank statements via email, out of 15 or so only one came in the mail.
Considering switching the bank. I have never had service this bad. It's pretty outrageous!

Date of experience: 21 September 2024

Horrible support, who start shouting at you if you don't tell them the number fast enough or don't understand something

Date of experience: 10 December 2024

This bank does have serious(!) troubles both in management and it infrastructure.

Just a loose list of sh*t happened to us (multiple DKB accounts):

- DKB just changed our username without consent and information (couldn't login anymore for days until found out DKB changed our login!)

- Money on the DKB Credit Card can't be moved anymore with the new (obligatory) Beta online banking

- In general DKB lost tons of useful (and essential!) functions when they turned off the old online banking and forced everyone to participate in their beta testings.

- We couldn't pay online with VISA card since nov. 2023 and they just solved that recently (they found some bug in the beta software and fix that now after 1 year!)

I could go on and on... the DKB support is so bad, often you get a reply after 2 weeks saying "Thank's, if your problem is not solved please contact us again".

They essentially close tickets without even working on them.

We contact the BAFIN to let them know on what downwards journey DKB is and they told us for them it is down under too because they get flooded with complaints and hardly can work them off...

DKB is the bank you should suggest your enemies!

Date of experience: 12 November 2024

Today, I experinced a very unpleasant DKB person. I rang to stop my card (I have been a customer for years). We spoke in German, my screen of my acct was in English. I asked the lady what the function we were looking for was in English. She replied in a very unfriendly tone, that "the DKB is a German company and everything is in German and she did not know what these functions on the web site are in English"- Her tone and attitude were terrible ...DKB should not hire such people. I will cancel my card (after 15 years). Friendly to foreigners? I don't think so.

Date of experience: 04 November 2024

DKB 821/Girokonto MD
Listen , I have been waiting since Oktober 2023 to open Giro account . It is more than 1 year. In 2023, last year they rejected me because of temporary job contract however I earned around enough , namely 2900 euro net. Now I have a permanent job contract and I still got rejected. This time I will not give up . You have 48 hours to send me all documents together will debit and credit card to my address: Michal Sawicki Südweg 8 53819 Neunkirchen Seelscheid

Date of experience: 24 October 2024

very bad customer experience, they will make you go through long user flow only to tell you in the end that you are not eligible, this could be avoided to watse time of both the bank and the customer.

Date of experience: 13 October 2024

Sher gut ����

Date of experience: 15 October 2024

Would definitely NOT recommend doing any business with DKB. Out of all banks I had accounts in, this one is by far the worst. There is no way to reach them, no physical location, no online support, no mails, no phone. They do not answer anything. We have taken a loan with them that we used their online service to request a payout. This was 3 months ago. We repeated our request several times. Since then, they haven't paid out the loan, no one can reach them and we are currently in debt towards the seller, with our payment overdue. This has been truly a scary experience that I do not wish anyone to go through. Stay away. Want good online service? Literally any other bank provides it better than DKB

Date of experience: 10 October 2024

Deutsche Kreditbank (DKB) is not a reliable bank that you can trust. After being an active customer for more than six years, the bank closed my accounts without giving any reason. Even when I asked politely, I was not given any reason for the termination.

Date of experience: 15 July 2024

This bank is not trustworthy. They have no customer service, want people to use their weird app which doesn’t work most of the time and aren’t even able to transfer money to the USA without asking customers to install another app. In addition, they are using Nazi methods against their own customers. DKB is disgustingly bad.

Date of experience: 02 September 2024

Kein bank - absolute Schei*e!

Date of experience: 28 August 2024

I opened an account in this bank only because of Mietkautionskonto, but I can't create Mietkautionskonto itself - I can't log into my personal account in the old online banking (the credentials are correct because i can connect to the new banking), and from the new banking it redirects me to the old banking. In the application, when I try to create it, an empty white page opens. No contacts to help can be found anywhere

Date of experience: 12 August 2024

I've been with this bank for years, but after this nightmare of an experience, I'm done. As soon as I get back to Germany, I'm switching banks.

I'm currently in Canada, and my iPhone, along with the SIM card, got lost. I quickly got a new one, but surprise, I couldn't log into my online banking without a verification code sent to my old number. So, I contacted the DKB team to update my number. They sent me a PIN, but guess what? I still couldn't log in because they demanded the CVV2 from the back of my debit card. Seriously? Who carries a debit card on vacation when they have a credit card?

After several frustrating messages, they finally responded and offered to send a new QR code and start password so I could log into my Tan2Go app and verify my identity. But here's the kicker: they sent it to my address in Germany. Via post. After I clearly told them I’m in Canada and can't access my debit card. I’m losing it! I’m abroad, and these people can't be bothered to read or understand a single thing I say or offer a solution that actually helps.

Since I couldn’t access my online banking, I started using PayPal for purchases to keep track of hotel bills, Car Rental Bills etc. But that made me overdraw my debit account (I keep the majority of my money in a savings account for safety reasons.) Now I need to transfer money into my debit account to avoid extra charges, but I don’t know my IBAN because I never transfer money into my debit account. So, I asked the DKB team, kindly to provide me the iban, and what do they say? They can’t tell me my IBAN and that I can find it either on my debit card or in my online banking. Are they kidding me? How unqualified can you be. How respectless and lazy is this answer after all?! I’m about to lose it. I ended up logging into my online banking by GUESSING my CVV2. I remembered one Digit and I guessed the other two digits. Can you believe that? I guessed my way into my account because their system is so ridiculous.

It takes a lot for me not to absolutely unload with some choice words here. Do yourself a favour and switch banks now before, god forbid, you ever have to rely on their customer support. Trust me, it will drive you mental.

Date of experience: 06 August 2024

I have tried to fix my direct debit with the bank to new bank account but still not working, partly do to the lack of english support.

Date of experience: 29 July 2024

Hard to use. Always running into issues. Little help to find problems. It took me a whole week to figure out how to transfer some cash. Not useful. Also, although in English, most of the assistance is in German.

Date of experience: 15 June 2024

No English. No free credit card (anymore). Virtually no accountability nor support. I had €2.000+ in my account and they didn't let me withdraw anything for 1+ week. I found no contact form and both website and app forwarded me to unhelpful FAQs. I e-mailed support and only heard back after the issue solved itself 1+ week after. Otherwise good. Free account and debit card, good exchange rates.

Date of experience: 06 June 2024

The personal is really nice but the waiting times are incredibly long, and the robotic system used really bad, more than 20 mins waiting.
If you are asking for a credit or need information about a canceled transaction and they transfer you to another department be ready for waiting another 20 mins.

Date of experience: 22 April 2024

Been with this bank over half a year. Lost quite some cash due to their errors.

Many things went wrong. Their website is a maze, their email service takes weeks (!) to answer. Usually, the answer hardly relates to the question, much less solves the issue. You will not get good interest for more than a few months with their products. You will have to put in hours of work to get service, though. NO PROFESSIONAL CONDUCT, several serious issues I was told would be taken care of never were. They tend to go radio silent, no follow up.

Two practical examples where they would be legally liable to refund my loss due to their banking errors (but won't do so unless I sue):

- They sent taxes to a country that their system knew I do not pay taxes in - no apologies, no return, my hassle to get that money back in a year's time at tax returns, loss of interests at the very least.

- On attempt to retrieve a large amount of money by transfer, their system cancelled the order without me being informed (no email to check as they do in other instanced, delaying transfer by an extra day). Days after the order was registered, it just disappeared from the system. On checking in where that transfer was, I was informed by email they had no record (I had however already learned to screenshot every transaction with them). I registered an identical transfer a second time. It disappeared again. A phone operator told me it was "being checked". I had to call in again to finally get that cash where it would have been required to arrive *seven days earlier*. Since this was meant to go to an account for exchanging currencies, this was a loss of about $1000. A phone operator told me "they will think of something" to answer for this loss. Never heard from them since.

These are not the only cases where they were unreliable. I believe Bayrische Landesbank does their banking somehow and they communicate badly. Plus side: So far, they haven't gone out of service yet. I am not counting on them longer than I have to any more.

Date of experience: 01 March 2024

I am currently locked out of my account, it has been nearly three weeks now! I reported a possible scam on my credit card. Was told I would receive a new card in three to five days. A week later I called again. This time was told, " Oh no we do not send you a new card, we send you a confirmation email first, then we send you a card. It may take up to seven days" That was two weeks ago! I called this past Friday, and asked how long I would be locked out, and how long it would be before I got an email. Nobody could tell me. When I called again, was told " We will call you back soon" Nobody called me. When this is all over, I will find another Bank that has physical offices. Dealing with DKB customer care is worthless!

Date of experience: 05 March 2024