Deutsche Bank

Private Clients

Until 31 July 2026

Current accounts

Modern account.
Strong app.
Receive €100.*

Simply use it as a salary account and receive a bonus*

Please select the current account that suits you best.

For school pupils, trainees, students1

Das Junge Konto

No monthly fee for pupils, apprentices, students and federal volunteers under the age of 30, provided they have a registered address within the EU. Manage your finances effortlessly with the Deutsche Bank app – anytime, anywhere from your phone.

Most popular

AktivKonto

Our popular account for smart banking – with easy app-based banking at home and on the go. Mobile payments and free cash withdrawals in over 30 countries.

Lots of extras

BestKonto

Our premium account packed with added benefits – including a travel service with 6% cashback on the net travel price and a Mastercard Gold credit card with travel health insurance cover.

An overview of your benefits

Ready for use anywhere

At millions of merchants and thousands of ATMs, both domestically and abroad2.

Even more flexible and digital

New additional features such as mobile payment and online payment.

Pay via app or card

In everyday life, abroad, online, and via smartphone – directly from your account.

Our security guarantee

You are not liable in case of loss or theft of your cards3

A comparison of all account features

Produktvergleichstabelle
Produktauswahl
Produktauswahl
Produktbeschreibung
Produktbeschreibung

For school pupils, trainees, students1

Das Junge Konto

Most popular

AktivKonto

Lots of extras

BestKonto

Fee
Fee

€0/Month

€6.90/Month

€13.90/Month

Free Deutsche Bank Card (debit card) with Mastercard function
Free Deutsche Bank Card (debit card) with Mastercard function

up to two cards

Free cash deposits/withdrawals at Deutsche Bank ATMs
Free cash deposits/withdrawals at Deutsche Bank ATMs
Fee-free cash withdrawals at Cash Group ATMs and worldwide in more than 30 countries2
Fee-free cash withdrawals at Cash Group ATMs and worldwide in more than 30 countries2
Mobile payments with Apple Pay, Google Pay and Samsung Wallet
Mobile payments with Apple Pay, Google Pay and Samsung Wallet

Travel booking service with 6 % refund5
Travel booking service with 6 % refund5
Emergency cash of up to €1,500 at 220,000 cash points in 170 countries6
Emergency cash of up to €1,500 at 220,000 cash points in 170 countries6

Cash insurance of up to €300 inside and outside Germany6
Cash insurance of up to €300 inside and outside Germany6

Mastercard Gold incl. international travel health insurance7
Mastercard Gold incl. international travel health insurance7

€82 annually

€82 annually

€0 (instead of €82), up to two cards
Paper-based transfers
Paper-based transfers

€1.50

€1.50

€0.00

Real-time transfers
Real-time transfers

Make payments with the Deutsche Bank Card (foreign currency)
Make payments with the Deutsche Bank Card (foreign currency)

1 %, min €1.50

1 %, min. €1.50

1 %, min. €1.50

Borrowing rate overdraft facility4
Borrowing rate overdraft facility4

11.35 % p.a.

11.35 % p.a.

11,35 % p.a.

Borrowing rate for tolerated overdrafts8
Borrowing rate for tolerated overdrafts8

12.80 % p.a.

12,80 % p.a.

12,80 % p.a.

BestKonto features

Travel booking service with 6% cashback

Via www.kontoreiseservice.de or by phone +49 (0) 69 910-10000 (Mo. – Sa. 08.00 am – 10.00 pm). Travel bookings paid with the Deutsche Bank Mastercard Gold or Travel credit card receive 6 % of the net price back5For package holidays, flights, hotels and more.

Mastercard Gold credit card7

For 0 euros instead of 82 euros, including international travel health insurance, also for accompanying family members.

Emergency cash and cash insurance

Up tp 1,500 euros at around 220,000 payout locations in 170 countries. Protection up to 300 euros at home or abroad. 

Learn more under „Bedingungen für Vorteilsleistungen“ (German).

Open your account in three steps

Fill out the application

Simply select the account which suits you best and complete the application in just 5 minutes.

Simple authentication

Verify your identity via video identification on your computer, tablet or smartphone from 7:00 am to 10:00 pm or via PostIdent.

Instant access to your account

After video identification, you will immediately receive your online banking login details. After your first login, we will guide you step-by-step through setting up your BestSign security procedure, which you need for online banking. Once set up, you can authorize all transactions with BestSign.

Our digital account switching service makes it easy and convenient for you to quickly switch from your old account to your new Deutsche Bank account.

Do you want to open a basic payment account (Basiskonto)?

With our basic payment account (Basiskonto), we offer you a prepaid account model (monthly base fee: 6.90 euros). You receive all the essential functions that enable you to participate in cashless payment transactions, such as transfers, standing orders, and direct debits.

You can open the basic payment account (Basiskonto) directly at one of our branches or use the following application forms. Please send them fully completed and signed by mail. For new customers, identification via the PostIdent procedure is also required.

FAQs about our current accounts

1 Free of charge for secondary-level school pupils, trainees, third-level students and members of Germany’s Federal Volunteer Programme who are 30 years old or younger, and come from a member state of the European Union.
2 In Germany, at all ATMs of the Cash Group (Deutsche Bank, Commerzbank, HypoVereinsbank, and Postbank, as well as their subsidiaries). In over 30 countries, you can withdraw cash from our partner banks without additional withdrawal fees; only a currency conversion fee applies: Bank of America (USA), Barclays (Great Britain), BGL (Luxembourg), BNL (Italy), BNP Paribas France including Cash Services ATMs (France), Bank of Nanjing (China), BNP Paribas Antilles-Guyane (Guadeloupe, Martinique, French Guiana), BNP Paribas La Reunion (La Reunion), BNP Paribas Nouvelle Calédonie (New Caledonia), Scotiabank Bahamas Ltd. (Bahamas), Scotiabank Barbados (Barbados), Scotiabank & Trust Cayman Ltd. (Cayman Islands), Scotiabank Trinidad and Tobago Limited (Trinidad and Tobago), Scotiabank Turks & Caicos Ltd. (Turks and Caicos Islands), Scotiabank Chile S.A. (Chile), Scotiabank Perú S.A.A. (Peru), The Bank of Nova Scotia (Canada), The Bank of Nova Scotia (Dominican Republic), The Bank of Nova Scotia Guyana (Guyana), The Bank of Nova Scotia Jamaica Limited (Jamaica), Grupo Financiero Scotiabank Inverlat, S.A. de C.V. (Mexico), TEB (Turkey), UkrSibbank (Ukraine), Westpac (Australia, New Zealand), Westpac Banking Corporation (Papua New Guinea), Westpac Bank - PNG – Limited (Fiji).
3 No liability fee will apply to lost cards. No liability if the card and PIN have been used responsibly and the loss has been reported correctly and immediately.
4 Tolerated withdrawal, from age 18 presupposing creditworthiness.
5 The refund does not apply to taxes, other fees and comparable surcharges or cancellation penalties. The money will be credited to your account by Deutsche Bank approximately six weeks after your trip. The terms and conditions of the travel organiser apply without exception.
6 Learn more under “Bedingungen für Vorteilsleistungen”.
7 Credit card from age 18, presupposing creditworthiness.
8 Overdraft without the promised overdraft facility4 or above this limit.

* You will receive a one-time bonus of €100 during the campaign from 1 to 31 July 2026 for opening a participating Deutsche Bank current account. The bonus will be granted subject to the condition that at least two monthly salaries of a minimum of €1,000 each are deposited into the newly opened account in the three calendar months after opening the account. A salary deposit is defined as a regular incoming payment to the participating current account from employment, e.g. salary, wage, civil servant remuneration or pension. The bonus will be credited once the conditions have been met and checked. Natural persons with main residence in Germany are eligible to participate; persons who have had a current account of the Deutsche Bank brand in the last six months prior to the application are excluded. Deutsche Bank reserves the right to terminate the campaign fully or in part, extend it or adjust it if there is a valid reason to do so. The campaign shall end at the latest once the available budget has been exhausted. The bonus may be subject to taxation in accordance with Article 22 No. 3 of the German Income Tax Act (EStG). Further information and detailed terms and conditions of participation (in German): Deutsche Bank AG, Taunusanlage 12, 60325 Frankfurt am Main