DKB | Deutsche Kreditbank AG Reviews

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: April 11, 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: September 21, 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: December 10, 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: October 24, 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: June 06, 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: November 12, 2024

DKB released an unfinished app which works half the time it should. The online banking experience is poor, though the UI is good. There are no foreign transaction fees which is cool, but only if you're an "active" customer. What I dislike, though, is that you cannot enable transactions for incoming or outgoing payments that are NOT made with the debit card. The investment part of the app is a joke. ING beats DKB in every aspect..

Date of experience: February 07, 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: September 02, 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: July 15, 2024

I have been withdrew DKB for now 10 years. Especially for traveling everywhere in the world the best bank I’ve dealt with!!!! The customer service is amazing! They send me my new card to my part time address in the states in less than a week. The apps are easy to understand. Problems have always been solved with the customer service.
I absolutely recommend DKB. And I love them even more since they offered debit cards instead of giro AND credit card. I am so so so happy and would never change my bank even tho I now live in the states full time.
Sarah 31 from Germany.

Date of experience: December 05, 2022

The new app is an improvement, as it supports English (I speak some German, but prefer English for the more technical banking stuff). 2FA previously was a huge pain as it used to require a separate app, with a post office letter for activation, and good luck if you ever upgraded your phone. Now the new app supports 2FA via SMS, thankfully. But the new app, although in English, still opens the German only website for certain tasks instead of keeping it native in app.

Date of experience: February 03, 2024

Probably the best bank in Germany for non-German speakers & expats. I have been using them since 2017 and even though the printed and website info as well as phone-support is primarily in German, if you ask for an English technical support, they will arrange it for you. Recently they also launched an English mobile app with full functionality. In my opinion, the service although still not fully supported in English, is far better than the other banks.

Date of experience: December 01, 2023

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: November 04, 2024

obviously the basic (digital) banking function work after 10+ years of developing, but if you have a bit more specialised challenges (like changing your phone number), it will really f*** you up. extremely inefficient, analog and customer unfriendly processes. also fraud detection is really not as it should be. a lot most go wrong to come here, write a review and change your bank account, but i apparently made it all the way.

Date of experience: January 20, 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: October 10, 2024

I am using the bank for only a month now, the experience was at times good, at times bad, the waiting time to have your card delivered is quite long, and the support team helps only if you contact them in German, but once you do, they really try to help you, i have written a detail wrong about my adress, so they sent me a new card and documents and explained clearly what i needed to do. I haven't used the debit card yet, but my friend sent me some money from other country and it was free of any fees which is good. Let's see how my experience will be further.

Date of experience: May 15, 2023

Finally I got canceled that account. That bank doesn't justify the bank name. It's more of a toy box where they do with your money what they like. After 15 years good experience they became a scam recently.. No service at all. No recommendation at all unless u wanna get angry daily..

Date of experience: January 02, 2023

We thought the DKB is the best choice for paying in another country. And paying in Australia, where we now stay, is working well. But doing manual transaction is complete horror. You then need to rely on "WISE", because the DKB cannot do that single thing we applied it for - international bank transfers. Although DKB calls WISE a fast and cheap service, it is EXACTLY THE OPPOSITE. One transactions costs us 280$, which is horrendous. Additionally it takes 2-3 days to process. I was never more disappointed by a bank in my life.

Date of experience: December 02, 2023

Extremely unprofessional signing up method.
I was signing up for account and I entered ALL the details, on the very last step they showed a message that we cannot open the account (no specific reason given). I did some research and found that they don’t open account for non Germans, e.g those with a bluecard.
That is so stupid, firstly, this should not be the case, and IF they want be so german, they should mention it on the home page.
Our time is also not free, respect it too!

Date of experience: February 10, 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: October 13, 2024