Accounts & headline costs
Sections ↑DKB Broker is the self-directed securities account inside Deutsche Kreditbank’s banking environment. Its core pricing is unusually simple at the order level, but venue charges, product costs, custody exceptions, savings-plan execution, transfer mechanics and the linked current account still determine the practical service.[1][2]
Account comparison01
Account and service routes at a glance
| Account or route | Customer scope | Headline condition |
|---|---|---|
| Individual DKB Broker | Eligible DKB retail customer | Free standard custody; DKB current account is the settlement account.Source 1 |
| Joint securities account | Two eligible holders | Both holders may trade independently; closure and transfer instructions can require both.Source 3Source 5 |
| Junior securities account | Minor beneficial owner managed by legal guardians | High-risk product classes are excluded; ordinary child-account documentation applies.Source 4 |
| Savings-plan route | Individual or eligible junior account | ETF, share, fund and certificate plans from €25; €1.50 per ordinary execution.Source 1Source 9 |
Broker essentials02
Opening essentials
| Measure | Value | Context |
|---|---|---|
| Custody | €0 standard fee | Xetra Gold and ADRs have separate custody charges under the tariff.Source 1Source 2 |
| Order pricing | €10 / €15 / €30 | Up to €5,000; over €5,000 to €20,000; above €20,000.Source 1 |
| Savings execution | €1.50 | Per execution regardless of plan amount, unless a specific campaign applies.Source 1Source 9 |
| Required cash account | DKB current account | Open/maintain the linked settlement account before using the broker.Source 1 |
The fixed order fee is not always the complete execution bill. Xetra and German floor exchanges add €2.50, while Tradegate, gettex, Quotrix, OTC partners and the fund company have no DKB venue add-on. Exchange charges, product costs and taxes can still remain.[1][2]
Products & platforms
Sections ↑Availability03
Products and what is actually held
| Product | Published access | Important boundary |
|---|---|---|
| Shares, ETFs and funds | German and many foreign venues; exchange and OTC access | Instrument eligibility, appropriateness and live venue availability apply.Source 1Source 8 |
| Bonds | Including complex bonds where approved | Credit, price, accrued interest and liquidity risks remain.Source 1 |
| Certificates and warrants | Leveraged and structured securities | Not equivalent to exchange-traded options or direct ownership of an underlying.Source 1 |
| Crypto-linked ETNs/securities | Exchange-traded financial instruments referencing cryptoassets | No direct purchase or wallet custody of cryptocurrency.Source 1 |
| Excluded products | Options, futures, CFDs and direct crypto; new-issue subscriptions unavailable | Do not infer access from an underlying market being visible elsewhere.Source 1 |
Platforms & products04
Platforms and tools
| Platform or tool | Verified capability | Boundary |
|---|---|---|
| DKB app | Portfolio view, account administration and supported order workflows | Some complex functions can require web banking.Source 1 |
| DKB web banking | Order entry, documents, transfers, savings plans and order book | Access and authentication controls apply.Source 1Source 7 |
| Order book | Status and history of securities instructions | Displayed status should be checked before repeating an order.Source 1 |
| Mailbox | Contract notes, statements and year-end records | Customers should retain records needed beyond the online availability period.Source 1 |
| Public API or copy service | No retail trading API or native copy-trading service established | Banking interfaces do not imply programmatic order authority.Source 1 |
The junior account uses the same custody infrastructure but a narrower risk universe. The absence of CFDs and futures should not be read as low risk across all available certificates, warrants or complex bonds.[4][1]
Fees & holding costs
Sections ↑Pricing & charges05
Core charges
| Charge | Published amount | Scope or trigger |
|---|---|---|
| Order up to €5,000 | €10 | Base all-in DKB order price before applicable venue/product costs.Source 1 |
| Order over €5,000 to €20,000 | €15 | Order value determines the tier.Source 1 |
| Order above €20,000 | €30 | Same base price for buy or sell under the published schedule.Source 1 |
| Xetra / German floor venue | +€2.50 | Execution add-on per order.Source 1 |
| Tradegate/gettex/Quotrix/OTC/fund company | €0 DKB venue add-on | Market spread and third-party/product costs can remain.Source 1 |
| Savings plan | €1.50 per execution | Campaign plans may be cheaper; product expenses remain.Source 1Source 9 |
Pricing & charges06
Worked cost examples
| Example | Calculated amount | Assumptions |
|---|---|---|
| €4,000 Xetra share order | €12.50 DKB price | €10 base plus €2.50 venue add-on; excludes spread/taxes.Source 1 |
| €10,000 Tradegate order | €15 DKB price | No DKB venue add-on; compare live spread with exchange alternatives.Source 1 |
| Monthly €100 savings plan for one year | €18 execution charges | Twelve ordinary €1.50 executions; excludes fund costs and campaigns.Source 9 |
Pricing & charges07
Other costs and continuing charges
| Item | Published treatment | Practical consequence |
|---|---|---|
| Xetra Gold / ADR custody | Product-specific custody charge | Standard free custody does not include these exceptions.Source 1Source 2 |
| Fund issue surcharge | 100% discount on ordinary front-end load | Fund ongoing expenses and market price can remain.Source 1 |
| Promotional ETFs/funds/derivatives | Temporary special conditions | Campaign eligibility, minimum order and product costs apply.Source 1 |
| Securities transfer | No DKB transfer fee highlighted | Receiving/delivering institutions, custody locations and taxes can create external effects.Source 10 |
A €0 venue add-on does not identify the cheapest execution. The investor should compare total price, spread, liquidity and product costs before choosing an OTC or exchange route.[1][8]
Execution & trading rules
Sections ↑Specifications08
Order handling and market access
| Rule or route | Published operation | Consequence |
|---|---|---|
| Venue selection | Nine German and numerous foreign venues plus OTC partners | Availability depends on the security and account permissions.Source 1Source 8 |
| Appropriateness check | DKB checks stored knowledge and experience before certain purchases | A successful check is not investment advice or a return guarantee.Source 1 |
| Order instruction | Market and price-limited routes according to venue/ticket | Validity and modification rules appear on the order ticket.Source 7 |
| Fractional holdings | Created through eligible savings-plan executions | Fractions are generally not transferable and may require sale.Source 10Source 9 |
| Partial transfer | Individual positions can be selected | Tax data and recipient identity must be complete.Source 1Source 10 |
Trading & service hours09
Sessions, settlement and order timing
| Situation | Published treatment | Boundary |
|---|---|---|
| Exchange session | Venue-specific trading hours and holidays | An order accepted by DKB can wait for the venue to open.Source 8 |
| Savings execution | Selected recurring date and frequency | Monthly through annual choices; booking can take up to two bank working days.Source 9 |
| Transfer target | Normally within three weeks | If not possible, DKB states that it will provide an interim explanation.Source 1Source 10 |
| Order status | Visible in the order book | Do not submit a duplicate before checking cancellation/execution state.Source 1 |
The platform is execution-only. News and educational material do not convert the service into advice, and DKB does not recommend a particular venue merely because its add-on is zero.[1]
Deposits, withdrawals & transfers
Sections ↑Transfer terms10
Funding and available cash
| Route | Published process | Restriction or timing |
|---|---|---|
| Settlement account | DKB current account | Cash for purchases and sale proceeds flow through the linked account.Source 1 |
| Savings plan debit | Linked cash account before the scheduled execution | Insufficient cash can prevent execution.Source 9 |
| Incoming securities transfer | Online transfer service for many institutions or signed form | Complete tax identifiers and custody details are required.Source 1Source 10 |
| Incoming cash | Ordinary banking transfer to the current account | Bank payment timing is separate from securities settlement.Source 1 |
Transfer terms11
Withdrawals and transfers
| Action | Published process | What changes the timing |
|---|---|---|
| Cash withdrawal | Use the linked current account once proceeds are settled | Pending purchases, unsettled sales or restrictions can reduce available cash.Source 1 |
| Outgoing securities transfer | Initiate in web banking | Positions may move at different times and custody agents can be involved.Source 1Source 10 |
| Fractional remainder | Usually cannot transfer | Sell or otherwise resolve fractions separately.Source 1Source 10 |
| Account closure | Account must be empty and have no open orders | Joint closure needs all holders; junior closure follows guardian process.Source 5 |
A portfolio transfer is not instantaneous account closure. DKB states that securities often move one by one, and the account should remain open until positions, tax data and residual cash have been reconciled.[1][10][5]
Protection & regulation
Sections ↑Essentials12
Legal entity and authority evidence
| Measure | Value | Context |
|---|---|---|
| Contracting bank | Deutsche Kreditbank Aktiengesellschaft | German credit institution, HRB 34165, Berlin.Source 13 |
| Regulatory framework | BaFin and Deutsche Bundesbank within European banking supervision | Bank and securities permissions belong to the named legal entity.Source 13Source 14 |
| LEI | 529900K16YGKC8BES892 | Institution identifier, not an account-protection limit.Source 13 |
| Broker model | Execution-only bank securities account | No personal investment advice in the standard DKB Broker.Source 1 |
Protections & eligibility13
Protection depends on the asset and account
| Arrangement | Relevant scope | What it does not cover |
|---|---|---|
| Custodied securities | Remain client property outside the bank’s insolvency estate under the disclosed custody model | Does not protect against market or issuer loss.Source 1 |
| Bank cash | German statutory deposit protection for eligible deposits | Generally aggregated per depositor at the bank; eligibility and scheme rules apply.Source 15Source 13 |
| Investment services supervision | BaFin/Bundesbank oversight | Authorisation is not a guarantee of trade outcome or platform availability.Source 14Source 13 |
| Structured/crypto-linked securities | Issuer and product risk remains | Deposit protection does not cover the market value of securities.Source 1 |
The linked current account and securities account use different safeguards. Cash can qualify as a bank deposit; securities are custody assets whose value can fall and whose issuer can default.[1][15]
Opening an account & support
Sections ↑Process14
Application and account administration
| Stage | Published requirement | Operational detail |
|---|---|---|
| Existing DKB customer | Open the depot in app or web banking | Existing identity and banking access are used, subject to approval.Source 1 |
| New customer | Open a DKB current account and complete video identification first | The current account becomes the settlement account.Source 1 |
| Knowledge and experience | Maintain product-group information | Complex-product access can be restricted by appropriateness assessment.Source 1 |
| Joint / junior | Provide co-holder or guardian information | Separate ownership and consent rules apply.Source 3Source 4 |
Verified service routes
DKB help and contactWebsite
https://www.dkb.de/privatkunden/kontaktSource 6
Scope Authenticated service, help articles and contact options.
Service disruption pageWebsite
https://www.dkb.de/fragen-antworten/gibt-es-aktuell-stoerungen-oder-probleme-bei-der-dkbSource 6
Scope Current troubleshooting and incident information.
Complaint managementWebsite
https://www.dkb.de/privatkunden/kontakt/beschwerdeSource 12
Scope Formal complaint submission and escalation.
Process15
When the platform or device is unavailable
| Situation | Published route | Limitation |
|---|---|---|
| App or web disruption | Check the official disruption page and alternative app/web access | No dedicated public emergency telephone dealing desk was established.Source 6 |
| Order status uncertain | Inspect the order book after access resumes | A local display problem does not prove an order was not received.Source 1 |
| Urgent market risk | Use available verified service channel | Support does not guarantee a manual execution or the previous quoted price.Source 6 |
| Security concern | Follow official banking-security and access-recovery process | Security blocks can delay access and cash movement.Source 11 |
Additional services
Sections ↑Reference table16
Additional services and account controls
| Service | Verified scope | Control or cost |
|---|---|---|
| Securities savings plans | 4,000+ eligible instruments from €25; monthly to annual frequency | €1.50 ordinary execution; campaigns can differ.Source 1Source 9 |
| Portfolio-transfer service | Automated route through Qwist for many institutions | Credentials, tax information and asset eligibility govern.Source 1Source 10 |
| Corporate actions and documents | Digital mailbox and account administration | Instructions and deadlines are event-specific.Source 1 |
| Bank integration | Current account, portfolio and documents in one banking environment | Banking convenience does not merge product risks.Source 1 |
Reference table17
Records, currency and technical access
| Research point | Published outcome | Boundary |
|---|---|---|
| Statements and tax exports | Contract notes, mailbox documents and annual statement are available digitally | Download records needed for long-term tax proof.Source 1 |
| Order counts/validity | Ticket and venue determine validity; universal public maximum not established | Check each open order in the order book.Source 7Source 1 |
| Device persistence | Orders accepted by the broker/venue continue independently of the device | Do not duplicate after reconnecting.Source 1 |
| Security recovery / withdrawal hold | Bank authentication and security controls govern access | No one fixed securities-withdrawal hold was established.Source 11 |
| Currency handling | Foreign-market trades can involve currency conversion and foreign charges | The simple euro order fee is not the full international cost.Source 2Source 8 |
| API / AI authority | No retail trading API or autonomous AI authority established | Education/news does not place orders.Source 1 |
Company background & evidence
Sections ↑Entities & regulation18
Company identity and evidence
| Item | Current evidence | Interpretation |
|---|---|---|
| Legal company | Deutsche Kreditbank AG, Berlin | Use the bank’s full legal name and current disclosures.Source 13 |
| Business scope | German direct bank with integrated brokerage | Broker access depends on the DKB banking relationship.Source 1Source 13 |
| Account migration | No current broker-contract migration identified | Digital platform changes do not establish a new legal provider.Source 1Source 13 |
| Evidence date | 15 October 2026 | Prices and product availability can change; live ticket remains decisive.Source 1 |
DKB Broker is best understood as a bank-hosted securities service rather than a standalone trading app. This explains both the integrated settlement account and why bank-deposit protection, securities custody and investment risk must remain separate.[1][13]
- Headquarters
- Berlin, Germany
Legal entities & licences
These are source-dated records, not a blanket assessment of the broker. Read each issuer, identifier, status and scope together.
Deutsche Kreditbank Aktiengesellschaft
| Issuer & identifier | Recorded status | Date & scope |
|---|---|---|
| Federal Financial Supervisory AuthorityLEI 529900K16YGKC8BES892 | Authorised | Checked 15 Oct 2026LEI identifies the legal entity; current banking and investment-service permission should be read in the BaFin company database.Source 13Source 14 |
Additional Information
Sections ↑Sources & further reading
- DKB securities account, products, prices and transfer guidance Deutsche Kreditbank AG · Accessed 15 Oct 2026
- Broker price and service schedule Deutsche Kreditbank AG · Accessed 15 Oct 2026
- Joint securities account Deutsche Kreditbank AG · Accessed 15 Oct 2026
- Junior securities account and product limits Deutsche Kreditbank AG · Accessed 15 Oct 2026
- Closing a DKB securities account Deutsche Kreditbank AG · Accessed 15 Oct 2026
- Service disruptions and troubleshooting Deutsche Kreditbank AG · Accessed 15 Oct 2026
- Buying and selling securities Deutsche Kreditbank AG · Accessed 15 Oct 2026
- Execution venues available through DKB Broker Deutsche Kreditbank AG · Accessed 15 Oct 2026
- Creating and changing securities savings plans Deutsche Kreditbank AG · Accessed 15 Oct 2026
- Securities-transfer process and timing Deutsche Kreditbank AG · Accessed 15 Oct 2026
- Security and account-access guidance Deutsche Kreditbank AG · Accessed 15 Oct 2026
- Complaint-management route Deutsche Kreditbank AG · Accessed 15 Oct 2026
- Legal notice and regulatory identity Deutsche Kreditbank AG · Accessed 15 Oct 2026
- BaFin company database Federal Financial Supervisory Authority · Accessed 15 Oct 2026
- German statutory deposit-guarantee information Entschädigungseinrichtung deutscher Banken · Accessed 15 Oct 2026
This profile reports dated public information, including broker-published services and terms. It does not independently test or guarantee execution, pricing or withdrawals. Inclusion is not an endorsement. Permissions and protections apply only to the named legal entity, service and client category; check the current official records and your contract.