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If you are in Germany and looking for an international credit card, no annual fee, with complete digital management and extra benefits for active customers, the DKB Cash Visa Card is one of the best options in the German financial market.
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Perfect for residents, expats or students in Germany, the DKB Visa card stands out for offering free withdrawals, global use and full integration with digital wallets, all with the support of an online 100% bank.
Step by Step Guide to Applying for the DKB Cash Visa Card
1. Access the official DKB website
Go to the official website of Deutsche Kreditbank (DKB):
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2. Fill out the online form
Enter your personal details, including your German address, employment status, and basic income information. Everything is done online and in German (with the option for automatic translation via your browser).
3. Select the DKB-Cash account
During the process, select the current account “DKB-Cash”, which already includes the Visa credit card free of charge. This account serves as the basis for all banking transactions.
4. Perform identity verification
You must validate your identity using one of the methods below:
- Video-Ident: Video identification using German passport or document.
- PostIdent: In person at a Post Office (Deutsche Post) with your document.
5. Wait for approval and sending of the card
After credit check and analysis, your account will be opened and the DKB Visa Card will be sent to your address in Germany. Delivery time is usually 5 to 10 business days.
Documents Required for Application
Have the following documents handy:
- German passport or identity card (Personalausweis)
- Proof of residence in Germany (e.g. Anmeldung or official letter)
- Steuer-ID (German tax identification number)
- Proof of income (employment contract, bank statement or payslip)
DKB can check your score on Schufa as part of the credit analysis.
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DKB Visa Card Fees and Conditions
| Category | Basic Condition | Active Customer (≥ €700/month) |
|---|---|---|
| Annuity | €0 | €0 |
| Withdrawals in the eurozone | Free | Free |
| Withdrawals outside the eurozone | €2.20 per transaction | Free |
| Visa currency conversion | ~1,75% | Refunded (0%) |
| Additional card | Optional, with fee | Special conditions |
| Virtual card | Included | Included |
Digital Features
- DKB Banking App (iOS and Android)
Control transactions, invoices, card blocking/unblocking and transfers. - Virtual card for secure online purchases
- Integration with digital wallets
Compatible with Apple Pay, Google Pay and real-time virtual cards. - Real-time notifications
Each transaction generates an instant alert in the app. - Strong authentication (2FA)
Login with code verification pushTAN on the cell phone.
Advantages of Being an Active DKB Customer
When moving at least €700 per month in the account, you become a active customer and guarantees additional benefits:
- Free withdrawals worldwide
- International currency conversion with Visa fee refund
- Better conditions for investments, credit and insurance
- Priority access to DKB service
DKB Visa Card: Freedom and Control in the Digital World
With the DKB Cash Visa Card, you have total control over your finances directly from your cell phone, without hidden fees and with global acceptanceIt's the ideal choice for those who value mobility, savings, and efficient digital management.
Whether you are a long-term resident, an international professional or a student in Germany, the DKB Visa offers financial freedom with the security of a reliable and modern bank.