DKB | Deutsche Kreditbank AG Reviews 

My DKB debit card data was stolen in Tulum Mexico in November 2023. Probably with shimming at an ATM. DkB refused to reimburse the money stolen, over €2300 with Five transactions in a short time . DKB refused to reimburse my loss. They accused me of lying. I involved the Ombudsman who decided that DKB had to pay me. As his arbitration is not binding, DKB still refused to pay. I sued DKB at the Amtsgericht Berlin Mitte. The judge decided that DKB had to pay my loss plus interest and the cost of the trial. Finally DKB paid! This took 2 1/2 years!

As Bank it works fine till you have no problems. If you have problems, it is a real nightmare. It is almost one month that I'm trying to solve an issue for my son (who is a teenager). The customer center is the worst I have seen in my life, they offer just help in German through a stupid AI system and some forms to fill in. The telephone number is just for blocking accounts in case of problem, you are not able to speak with somebody. No English at all but my money are okay even if I'm not German. I'm really thinking to close my account and to migrate to another bank.

I have been using DKB for around 7 years now and my overall experience has been very positive.
The registration process was easy and straightforward, and over the years I found both the online banking and app very transparent and user-friendly.
One thing I especially appreciated is how easy it was to manage payments and direct debits. In situations where I had disputes with other companies, DKB allowed me to quickly handle, revoke or block payments directly through the banking interface.
Customer service was also reachable whenever I needed assistance, and I always received clear answers to my questions.
Of course no bank is perfect, but based on my personal long-term experience, I found DKB reliable, practical and trustworthy, and I can warmly recommend them.
Best ragards,
Csaba

Bank, which is closed for non-german people. First of all, communication only in German. They don't have any support (even AI) in English. I was shocked. I requested bank account, when I entered with visa D. I had a job in Germany with good salary. They mentioned, I need to have a permit. So, get my first salary, I opened account in more friendly bank. No, I have my permit. I failed one time with verification, and when I called second time, their partner for mobile verification said, that they don't have example of one of page of my password in their system (really? I passed video authentication few times). And wow.. In DKB there is only this version of authentication, online. So... I can't move forward with account.

Dkb has locked my account for five days now . My message explaning the problem five days ago was confirmed by DKB . Since then TOTAL silence !! Their reply / non reply address / to my email is pushing me back to a unhelpful DKB bot . You go around and around in circles. Totally hopeless and disrespectful !! Come on DKB get your act together and reopen my account. Would be nice after 5 days . It took you only seconds to block it without ANY EXPLANATION and leave me hanging .Not a nice feeling to be helpless and ignored

I cannot open a DKB bank account because the TAN from WebID is not sent to phone numbers outside of Europe.

But if I enter a non European phone number on the registration page, why am I taken to the WebID interface at all? This should get flagged immediately, but I wasted hours on finding out why the heck this isn't working. The fact that WebID operators are not native German speakers (even though they insist on communicating in German) has complicated this further.

I'm assuming that thousands of customers had the same problem and delayed registration until they traveled to Germany to get a German SIM card (which is what I will do).

This is abysmal, I'm not sure if I can trust a bank that fails at something so basic.

DKB, please contact me for more free advice on how to improve your backward website. By the way, this is coming from someone who lives in South Africa. Our banks are ahead of German banks.

repeatedly I am just being blocked from my account.
The procedure to give a new password does not work. It just gives errors. and claims I replied to my security question incorrectly, although none was even shown.
Customer support?
Non-existent.
I had this issue repeatedly. No replies to emails.
AI is useless.

I was disappointed with the level of customer service I received. My enquiry was answered with a generic response asking me to resubmit it in German, without any attempt to provide assistance or guidance. While I understand internal language policies, the lack of customer-oriented support—especially for international clients—felt unnecessary and outdated. I ultimately had to resolve the issue myself, which should not be the case for a basic customer request.

THE BANK WAS GOOD, BUT SO COMPLICATE IF YOU LOST YOUR PHONE, OR ITS BROKEN!!
EVEN THE HAVE A LOT WRONG PAYINGS....!! NO THIS IS LIKE THE GERMAN POLITIK THIS BANK CARD JUST SHIT!! I WAS 10 YEARS COSTUMER NOW I LEAVE I!!! THE EVEN DO NOT ANSWER IF YOU WRITE A EMAIL!!

Terrible banking app. Try to avoid this bank.

DKB has been my bank for the time I have lived in Germany and I decided to stay with them to avoid any more burocracy which would’ve come opening another bank account, but I have little good to say about it.
Customer service has never once been friendly, but at least until a few years ago you could reach them by phone, now not anymore.
I was shouted at on the phone for not being able to explain myself in German.
Chat bots are useless.
I now need to close my Mietkautionskonto and just found out that I need to sign a document, get the landlord to sign it, and send the original to them BY POST. IN 2025.
I no longer live in Germany, and I tried to get in contact with them to find a solution, but it doesn’t exist.
Such an outdated process in 2025 is unbelievable for a bank that calls itself digital.

Easy to use and free if you deposit monthly at least 700 euros

worst online bank i have ever been customer of. no communication possible. does not react on any email.

Absurd and useless. The bank introduced an updated banking app (mandatory, of course, and the previous one was obsolete instantly) which is not compatible with my phone. They never informed me that this was going to happen and left me stranded, entirely without access to my own account. I simply cannot log in without this app. My complaints were answered with disinterest and some copy-pasted wording about security measures.
The 2FA authentication worked for a little while so I could log in through the browser, but they refused to specify whether this was going to remain as such. And today, I got two push notifications about payments which I never ever authorized.

Garbage. Service and functionality of this bank has gotten worse year by year. There is no bank you can go into. They have cancelled any sort of accessible customer service telephone.. they send you to their AI.. who tells you to call.. in which you cannot get a hold of anyone. What a joke.
My wife and I have a joint account, she raised the transfer limit for our account to make a larger purchase.. I made the transfer, which was not sent because she raised the transfer limit.. not me. WTF!? If you're not with this bank, dont join this sinking ship. Look at all the bad reviews and put your money in a place where you actually have some customer service when you need to do... banking!

I have an account working with no problems for years, using Wallet as payment method and no problem, until I change my device, just the device, no the number, i jus follow instructions and eliminate the app on my old mobile and add it on the new device, surprise, they have to send a SMS to finish the process and login on the app so I can add a card again in Wallet, SMS NEVER ARRIVES, no posible to contact no-one but an IA, no solutions, no way, I can not open my app, no access to bank or credit cards in Wallet, and now?what can I do....just complain?...I need a solution, but no one is reachable in DKB....blocked and forgotten for my own bank...

Very bad customer support. Not possible to contact service, I get an error when trying to upload documents. very dissapointing

I'm very lucky that I had to ask one question via email before opening my account, literally got a response that they will not reply to any enquiries in English, only in German.

This definitely does not seem like an appropriate bank for your money if you ever work outside Germany.

What other banks provide as standard, DKB claims is impossible. That is assuming you can make contact. They removed their customer service number from the website, so you can only contact them if you happen to remember what it was. Quite simply, your money is not safe here, because the moment something goes wrong, you have no recourse. Their incompetence has cost me many thousands of Euro and I strongly advise anyone who banks with them to move their money to a safe location.

The app login sometimes takes up to 3 minutes, which is unacceptable. I've written to their support about this several times, tho they only come up with excuses not to do anything about it: it's either the english language they don't wanna read, or a video of screen recording they can't accept. Their support is doing quite a terrible job ping ponging me from one instance to another without sharing any context. So i've tried and now giving up. Highly recommend any other bank!!!