What Deutsche Bank Actually Charges You
Germany's biggest bank charges you €82.80 a year just to hold your money, then piles card fees and an 11.35% overdraft rate on top. The branch network is the excuse. You are the one paying for it.
Last checked: June 11, 2026 • Official website
The fee schedule, decoded
| Fee | What they take | The fine print |
|---|---|---|
| Account maintenance | €6.90/month | The AktivKonto costs €6.90 per month, the premium BestKonto €13.90. Only the Junges Konto for people under 30 is free. |
| Overdraft | 11.35% APR | Variable Dispo rate on the arranged overdraft. Go past your limit and the tolerated overdraft rate rises to 12.80%. |
| Cards | €82/year | The Mastercard Gold credit card costs €82 a year on the AktivKonto. It is only included for free with the €13.90/month BestKonto. |
| Foreign exchange | 1.75% | Foreign-use surcharge on Mastercard payments in non-euro currencies, with a minimum of €1.50 per transaction. |
| ATM withdrawals | 1%, min €5.99 | Girocard cash withdrawals in foreign currency outside the Cash Group. Withdrawals at Deutsche Bank and Cash Group ATMs in Germany are free. |
| Other charges | €1.50 | Per paper account statement mailed to you on the AktivKonto. Electronic statements are free. |
Questions people actually ask
Only if you are under 30: the Junges Konto has no monthly fee. Everyone else pays €6.90 a month for the AktivKonto or €13.90 for the BestKonto, with no salary-based waiver.
11.35% per year on the arranged overdraft, and 12.80% if you exceed your limit. That is well above what leading direct banks charge.
At Deutsche Bank ATMs and the roughly 7,000 Cash Group ATMs in Germany (Commerzbank, HypoVereinsbank, Postbank). Elsewhere the operator charges you, and foreign-currency withdrawals with the girocard cost 1% with a €5.99 minimum.
Yes. Mastercard payments in foreign currency carry a 1.75% foreign-use surcharge with a €1.50 minimum. Payments in euro are free.
Not on the AktivKonto: the Mastercard Gold costs €82 a year on top of the €6.90 monthly account fee. It is only bundled for free with the €13.90/month BestKonto.
Sources
Every number above comes from the bank's own documents.
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