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For secondary-level school pupils, trainees, third-level students1
Das Junge Konto
- Personal assistance in branches
- Free cash withdrawals in more than 60 countries2
- Deutsche Bank Card (banking card/debit card)
- Free card payments in euros
- Apple Pay for iOS and mobile payment with Android
- Free account-switching service
Fee: €0.00/Month
Most popular
AktivKonto
- Personal assistance in branches
- Free cash withdrawals in more than 60 countries2
- Deutsche Bank Card (banking card/debit card)
- Free card payments in euros
- Apple Pay for iOS and mobile payment with Android
- Free account-switching service
- €500 in immediate overdraft protection3
Fee: €6.90/Month
Lots of extras
BestKonto
- Personal assistance in branches
- Free cash withdrawals in more than 60countries2
- Deutsche Bank Card (banking card/debit card)
- Free card payments in euros
- Apple Pay for iOS and mobile payment with Android
- Free account-switching service
- €500 in immediate overdraft protection3
- Free paper-based transfers
- MasterCard Gold credit card7 for €0 instead of the usual annual fee of €82 along with health insurance for international travel, including family members accompanying you
- Travel service with a 6% refund4
Fee: €13.90/Month
An overview of your benefits
Personal assistance
You will profit from ourexcellent client support no matter which general account you select.
Free cash withdrawal
From ATMs in the Cash Group and around the world in more than 60 countries2.
Our security guarantee
You will not be held liable if your cards are lost or stolen5.
Modern online banking
Convenient banking on the go with the help of Siri and photo transfers among others.
Make payments around the world and withdraw cash
Your Deutsche Bank Card (banking card/debit card) will enable you to make cashless and “contactless” payments at millions of places around the world by simply placing the card on a retailer’s reader – without letting go of the card or paying any fees for purchases denominated in euros. You will naturally not be held liable for contactless purchases as long as you use your card carefully.
Modern online banking and award-winning app
- Convenient banking on the go or at home, with the help of Siri and photo transfers, among others.
- Thanks to the multi-banking service of Deutsche Bank, you can always keep an eye on your accounts at other banks.
- The financial planner, your digital book of household accounts, will automatically categorise your incoming and outgoing funds.
- In this way, you can always keep track of your finances.
- Customised notification of account turnover.
Our security guarantee
- You will not be held liable if your cards are lost or stolen5.
- If you lose a card, you can contact our client service hotline 24/7 and our representative will immediately block the card.
- Our highest-level security standards will protect your data and your money – also when using our online banking services and app.
A comparison of all account features
Free transfers and standing orders (online/self-service machines) | |||
|---|---|---|---|
Paper-based transfers | €1.50 | €1.50 | |
Free direct debit authorisations | |||
Real-time transfers | €0.60 | €0.60 | €0.60 |
Free Deutsche Bank Card (banking card/debit card) | - up to two cards - | ||
Make free payments with the Deutsche Bank Card (denominated in euros) | |||
Make payments with the Deutsche Bank Card (foreign currency) | 1 %, min. €1.50 | 1 %, min. €1.50 | 1 %, min. €1.50 |
Paydirekt included | |||
Free cash deposits/withdrawals at Deutsche Bank ATMs | |||
Free cash withdrawals from the Cash Group | |||
MasterCard7 | Starting at €18 annually | Starting at €18 annually | €0 (instead of €82), up to two cards |
Emergency cash of up to €1,500 at 220,000 cash points in 170 countries | - | - | |
Cash insurance of up to €256 inside and outside Germany* | - | - | |
Borrowing rate overdraft facility3 | 13.54 % p.a. | 13.54 % p.a. | 13.54 % p.a. |
Borrowing rate for tolerated overdrafts6 | 15.15 % p.a. | 15.15 % p.a. | 15.15 % p.a. |
Travel booking service with 6% refund4 | - | - |
What you need to know about our accounts
- At our branches or any ATM in the Cash Group (Deutsche Bank, Postbank, Commerzbank, HypoVereinsbank and many Shell petrol stations)
- During visits to retailers such as Rewe, Aldi and dm Drogerie
- Worldwide in more than 60 countries2
Simply save money for hotels, package tours, flights, cruises and much more
- Book trips online or by telephone with the help of our travel partner, PTG Travel GmbH.
- Receive a 6% refund4 directly into your general account.
- Many of our clients save several hundred euros every year.
- MasterCard Gold holders can book a trip at www.kontoreiseservice.de or with the help of our client service under (069) 910-10000 (Mo-Sa 8 a.m. to 10 p.m.).
1Free 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.
2In Germany, at all ATMs of the Cash Group (Deutsche Bank, Commerzbank, HypoVereinsbank and Postbank) and at the tills of many Shell petrol stations. You can obtain cash free of charge at our collaboration partners in more than 60 countries. However, the transaction will be subject to a currency conversion fee: Bank of America (United States), Barclays (including Great Britain), BGL (Luxembourg), BNP Paribas (France), Scotiabank (including Canada and Mexico), TEB (Turkey) and Westpac (Australia, New Zealand).
3Tolerated withdrawal, from age 18 presupposing creditworthiness.
4The 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.
5No 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.
6Overdraft without the promised overdraft facility3 or above this limit.
7Debit card from age 12 regardless of creditworthiness. Credit card from age 18, presupposing creditworthiness.
