Free children’s account
A current account for parents, a children’s account for your child – at one bank
With DKB you hold your own current account – alone or together with your partner – and open a free account with a card of their own for your child. All online, without a branch. Deutsche Kreditbank is a direct bank based in Berlin.
To DKB’s current account Continue to dkb.de (opens in a new tab)
One bank for the whole family
A baby changes how you look at money: parental allowance and child benefit come in, the household budget grows, and at some point your child needs a first account of their own. With DKB everything is in one place – and you see your child’s account directly in your own banking.
The current account at a glance
€0 account fee with active status: from €700 incoming payments per month; always free under 28, otherwise €4.50 per month
Active status for new customers: automatically for the first three months
Free Visa debit card: also with Apple Pay and Google Pay
Pay and withdraw cash worldwide: free almost everywhere with active status
Joint account available: with two cards – handy for the household budget
Open online: in about five minutes, identification by video
The children’s account (Girokonto u18)
Free: regardless of age and without incoming payments
A Visa debit card in your child’s name – you decide when to hand it over
No overdraft: your child can only spend what is in the account
Full overview: you see the account and statements in your own banking
Card control in the app: block and unblock the card, a notification for every payment, choose countries
Optional: an instant-access savings account and a junior securities account for your child
At 18 it automatically becomes a regular current account
More about DKB’s children’s account (in German)
How it works
Apply for the current account online and identify yourself by video.
In online banking, open your child’s account under “Produkte > Konten > Kinderkonto”.
The second parent gives consent – your child receives their own Visa debit card.
Open a current account now
Applied for online in about five minutes – you then open the children’s account directly in your banking.