- At our branches or any ATM in the Cash Group (Deutsche Bank, Postbank, Commerzbank and HypoVereinsbank)
- During visits to retailers such as Rewe, Aldi and dm Drogerie
- Worldwide in more than 30 countries2
Open an online current account in minutes
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
| 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 |
| Deutsche Bank Card (debit card) with Mastercard function included | |||
| Deutsche Bank Card (debit card) with Mastercard function included | ✓ |
✓ |
✓
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 back5. For 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.