Customer support
24/7 Customer support
Educational concept
Online Banking
Mobile payments
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Instant money transfer
Cash withdrawal
Customizable cards
Real Time Updates
Costs first year
0,00 €
Costs for subsequent years
0,00 €
Costs additional card
10,00 €
Foreign currency fee
Spending limit
Subscriptions blocked
Parental control
Minimum age
0 Years
Credit check
Application only by legal guardians
Online application possible
Online contract conclusion
Postal application mandatory
Postal contract conclusion mandatory
Application via document submission
Application in store mandatory
Identity of applicant and child required
Bank account required
Sign-up bonus
25 € (May 2024)
Cashback Programm


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    Costs first year
    Costs refer to the first year and may vary in the following year
    Minimum age
    Children's credit cards are often only available with the consent of a legal guardian over 18 years of age.
    0 Years
    Card type
    Card system
    • Sustainable investment
    • Bank account with German IBAN
    • No interest or annual fees

    The Visa debit card for kids and teens from DKB in comparison

    By opening a u18 checking account at Deutsche Kreditbank, children and teenagers receive their own credit card. This allows them to learn early on how to manage money safely and handle their pocket money. Whether the DKB u18 account is worth it for your child can be found on this page: We have summarized the most important information about the DKB children's and youth credit card, payment options, foreign use, security standards, and much more for you.

    At what age can you get a youth account at DKB?

    Conveniently, DKB does not have a minimum age for opening a u18 checking account. An account can be opened even before the first year of life is completed. Since the child's account is linked to an already existing account of the legal guardians, they are free to decide when to open an account for their child.

    How do I open the u18 checking account at DKB?

    Since the u18 checking account is a children's account that must be linked to a guardian's account, the child's parents must already be DKB account holders. If this is the case, the application for a u18 account can be easily submitted online in a few steps. Simply log in to the DKB website and fill out the online application for a children's and youth account. After the required verification documents have been submitted and reviewed, you will receive the debit card for your child by mail within a few days.

    Free credit card for children and teens at DKB!

    When opening a u18 account at DKB, children and teenagers receive a free Visa debit card to manage their money. Below we have compiled the most important information about the DKB children's Visa debit card for you.

    The benefits of a debit card

    Debit cards work similarly to regular credit cards. However, what sets them apart is that debit cards must always be loaded with money before use. To use the debit card, it must first be loaded via transfer. The advantage here is that the account cannot be overdrawn, and your child can only spend the amount that has been loaded onto the card. This prevents the accumulation of debt.

    Withdrawing money with the DKB children's credit card. Also abroad?

    Since the DKB children's and youth debit card is a Visa, your children can withdraw money wherever Visa is accepted. No additional fees are charged for withdrawals in euros. For withdrawals abroad in other currencies, no fees are charged once the "active status" is achieved. This status is automatically granted when at least 700 euros are deposited into the account monthly. If less than 700 euros per month are deposited, a currency conversion fee of 2.20% of the withdrawn amount is charged for withdrawals in non-EU countries.

    Where can my child pay with the DKB Visa debit card?

    With the DKB u18 debit card, children and teenagers can pay worldwide wherever Visa is accepted. Online purchases are also no problem. Additionally, the u18 debit card can be used with apps like Apple Pay and Google Pay.

    Saving with the DKB children's account

    The DKB children's account also offers many saving options. You can choose between different options for managing your children's money, including a savings account with attractive interest rates of 3.5% p.a. for safe savings or the u18 deposit account for long-term investments. However, fees are charged for maintaining the deposit account.

    Security for parents and children

    For parents, the safety of their children is of utmost importance, so DKB offers several security measures to protect their child's account. With DKB, you have full insight into your child's account via an app to monitor their financial development and identify unauthorized withdrawals. Additionally, the "Card Control" feature allows you to manage and control your child's card anytime, such as temporarily blocking it through online banking when not in use.

    How old do you have to be to get a DKB children's credit card?

    There is no age limit for opening a DKB children's account. Legal guardians can open an account for children even before their first birthday.

    How much does a u18 account at DKB cost?

    DKB does not charge any fees for account management for children and teenagers.

    How do I get a children's credit card at DKB?

    You must already be a DKB customer to open a u18 account for your child. This can be done in a few steps through an online application. After a few days, you will receive the credit card by mail.

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