# Deutsche Bank

> Source: https://docs.barcoder.ai/docs/wallets/deutsche-bank
> research date 2026-05-30 · extracted at 2026-10-03
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [Deutsche Bank — official](https://www.deutsche-bank.de/)

## Overview

**Deutsche Bank** is **Germany's largest bank by assets** + **50+ countries global footprint** <sup>[1][1], [2][2], [Germany report](https://docs.barcoder.ai/docs/payments/DE)</sup>. **Dec 17 2025**: **Deutsche Bank launches Wero for more simple and sovereign digital payments in Europe** (Deutsche Bank co-launcher of EPI European Payments Initiative pan-European P2P Wero); Sep 2025 Deutsche Bank new online banking + new Deutsche Bank App launch; Deutsche Bank App + 70+ online services + Google Pay integration + barcode cash withdrawal at 12,500+ partner locations distinctive German banking innovation; Feb 23 2026 German banking app usage 39% vs 33% online portal preference (banking app first-time exceeds online portal); 51.3% Germans used digital financial services in 2025.

**Distinctive Deutsche Bank positioning**:
- **Germany's largest bank by assets** + 50+ countries global footprint
- **Dec 17 2025 Deutsche Bank launches Wero for more simple and sovereign digital payments in Europe** (Deutsche Bank co-launcher of EPI European Payments Initiative pan-European P2P Wero)
- **Sep 2025 Deutsche Bank new online banking + new Deutsche Bank App launch**
- **Deutsche Bank App + 70+ online services + Google Pay integration + barcode cash withdrawal at 12,500+ partner locations** distinctive German banking innovation
- **Feb 23 2026 German banking app usage 39% vs 33% online portal preference** (banking app first-time exceeds online portal) + 51.3% Germans used digital financial services in 2025
- **46% of 18-39 year-olds prefer app banking** vs 36% over 40 (younger German users driving mobile banking adoption)
- **Mar 10 1870 Deutsche Bank founding** in Berlin → distinctive German banking heritage (Germany's oldest leading commercial bank)
- **2010 Deutsche Bank Postbank € 2.79B 30% acquisition** + 2018 Deutsche Bank + Postbank legal merger + 2026 Postbank Deutsche Bank brand integration

## History

**Mar 10 1870 — Deutsche Bank founded** in Berlin → distinctive German banking heritage (Germany's oldest leading commercial bank).

**1873 — Deutsche Bank London + Yokohama Specie Bank international expansion**.

**2010 — Deutsche Bank Postbank € 2.79B 30% acquisition** + 2018 Deutsche Bank + Postbank legal merger.

**Apr 5 2017 — Deutsche Bank brings mobile payments to Germany: The smartphone as a wallet**.

**Apr 26 2016 — Deutsche Bank launches new banking app**.

**2025 — Sep 2025 Deutsche Bank new online banking + new Deutsche Bank App launch + Deutsche Bank App + 70+ online services + Google Pay integration + barcode cash withdrawal at 12,500+ partner locations** <sup>[3][3], [4][4]</sup>.

**Dec 17 2025 — Deutsche Bank launches Wero for more simple and sovereign digital payments in Europe** (Deutsche Bank co-launcher of EPI European Payments Initiative pan-European P2P Wero) <sup>[1][1], [3][3]</sup>.

**Feb 23 2026 — German banking app usage 39% vs 33% online portal preference** (banking app first-time exceeds online portal) + 51.3% Germans used digital financial services in 2025 <sup>[2][2]</sup>.

## Ownership & operator

**Operating entity**: **Deutsche Bank AG** (XETRA: DBK; NYSE: DB).

**Major shareholders**: **BlackRock + Cerberus Capital Management + Vanguard + Capital Group + German institutional + German retail public float + foreign institutional**.

**Regulators**: **BaFin (Federal Financial Supervisory Authority Germany) + ECB**.

## Technical integration

Deutsche Bank App (iOS + Android; Sep 2025 new Deutsche Bank App launch + 70+ online services) + deutsche-bank.de online + Deutsche Bank cards (Visa + Mastercard + girocard) + Deutsche Bank German + 50+ country branch network; SEPA Instant + **Wero pan-European P2P payment service (Dec 17 2025 Deutsche Bank Wero launch co-launcher)** + girocard + Google Pay integration + **barcode cash withdrawal at 12,500+ partner locations** distinctive German banking innovation.

## Users & growth

**2025**: Deutsche Bank App + 70+ online services + Google Pay integration + barcode cash withdrawal at 12,500+ partner locations; **Feb 23 2026 German banking app usage 39% vs 33% online portal preference** + 51.3% Germans used digital financial services in 2025 + 46% of 18-39 year-olds prefer app banking vs 36% over 40.

## Use cases

German + 50+ country retail + private + corporate + SME + investment + insurance banking via Deutsche Bank App + deutsche-bank.de online + cards + branches; SEPA Instant + **Wero pan-European P2P payment service** + girocard + Google Pay integration + **barcode cash withdrawal at 12,500+ partner locations** distinctive German banking innovation.

## Implementations & partners

**Operator**: Deutsche Bank AG (XETRA: DBK; NYSE: DB); BlackRock + Cerberus Capital Management + Vanguard + Capital Group + German institutional + German retail public float + foreign institutional.

**Subsidiaries**: **Postbank (post-2010 Deutsche Bank € 2.79B 30% acquisition + 2018 Deutsche Bank + Postbank legal merger; 2026 Postbank Deutsche Bank brand integration)** + **DWS Group (Deutsche Bank German asset management subsidiary)** + **Deutsche Bank Wealth Management** + Deutsche Bank Investment Bank.

**Major partnerships**: **Dec 17 2025 Deutsche Bank Wero co-launcher** (EPI European Payments Initiative pan-European P2P).

**Major German banking competitors**: [Commerzbank](https://docs.barcoder.ai/docs/wallets/commerzbank) (Germany #2 + 11M private + small-business customers + 30,000 corporate clients + Mar 16 2026 UniCredit €35B takeover bid + 26% direct stake + 4% derivatives) + DZ Bank (German cooperative banking flagship) + KfW (German state development bank) + LBBW (Landesbank Baden-Württemberg German regional bank) + ING Diba (ING German digital bank subsidiary) + DKB Deutsche Kreditbank (German online banking subsidiary) + Sparkasse (German savings bank network).

**Regulators**: BaFin + ECB.

## Fun facts

- **Germany's largest bank by assets** + 50+ countries global footprint.
- **Dec 17 2025 Deutsche Bank launches Wero for more simple and sovereign digital payments in Europe** (Deutsche Bank co-launcher of EPI European Payments Initiative pan-European P2P Wero).
- **Sep 2025 Deutsche Bank new online banking + new Deutsche Bank App launch**.
- **Deutsche Bank App + 70+ online services + Google Pay integration + barcode cash withdrawal at 12,500+ partner locations** distinctive German banking innovation.
- **Feb 23 2026 German banking app usage 39% vs 33% online portal preference** (banking app first-time exceeds online portal).
- **46% of 18-39 year-olds prefer app banking** vs 36% over 40 (younger German users driving mobile banking adoption).
- **Mar 10 1870 Deutsche Bank founding** in Berlin → distinctive German banking heritage (Germany's oldest leading commercial bank).
- **2010 Deutsche Bank Postbank € 2.79B 30% acquisition** + 2018 Deutsche Bank + Postbank legal merger + 2026 Postbank Deutsche Bank brand integration.

## Comparison

| Feature | Deutsche Bank | [Commerzbank](https://docs.barcoder.ai/docs/wallets/commerzbank) (Germany #2 rival + 11M private + small-business customers + Mar 16 2026 UniCredit €35B takeover bid) | DZ Bank (German cooperative banking flagship rival) | KfW (German state development bank rival) | [ING-DiBa (ING Deutschland)](https://docs.barcoder.ai/docs/wallets/ing-diba) (ING German digital bank subsidiary rival) |
|---|---|---|---|---|---|
| Operator | **Deutsche Bank AG (XETRA: DBK; NYSE: DB)** | Commerzbank AG (XETRA: CBK) | DZ Bank AG (German cooperative banking flagship) | KfW (German state development bank; German state) | ING-DiBa AG (ING Group N.V. German subsidiary; ENXTAM: INGA parent) |
| Type | **Germany's largest bank by assets + 50+ countries global footprint + Dec 17 2025 Deutsche Bank Wero launch (EPI co-launcher) + Sep 2025 new Deutsche Bank App + 70+ online services + Google Pay + barcode cash withdrawal at 12,500+ partner locations + Postbank acquisition + DWS Group asset management** | Germany #2 + 11M private + small-business customers + 30,000 corporate clients + Mar 16 2026 UniCredit €35B takeover bid + UniCredit 26% direct stake + 4% derivatives | German cooperative banking flagship + DZ Bank Bausparkasse Schwäbisch Hall + R+V insurance + Union Investment | German state development bank | ING German digital bank subsidiary + 9.5M+ German customers |
| Country | DE + 50+ countries | DE + 40+ countries | DE | DE + multiple countries | DE |
| Distinctive | **Mar 10 1870 Deutsche Bank founding in Berlin (German banking heritage); 1873 London + Yokohama Specie Bank international expansion; 2010 Postbank € 2.79B 30% acquisition; Apr 26 2016 + Sep 2025 new banking app launches; Apr 5 2017 mobile payments smartphone wallet launch; Dec 17 2025 Wero EPI launch; barcode cash withdrawal at 12,500+ partner locations distinctive German banking innovation** | 1870 Commerzbank founding; 2009 Dresdner Bank acquisition; UniCredit 26% direct stake + 4% derivatives; Mar 16 2026 UniCredit €35B takeover bid voluntary exchange offer | 1883 DZ Bank cooperative banking founding | 1948 KfW founding for German post-WWII reconstruction | 1965 ING-DiBa German digital bank founding |

## Status

**Active, Germany's largest bank by assets + 50+ countries global footprint** <sup>[1][1], [2][2], [3][3], [4][4]</sup>:
- **Deutsche Bank AG (XETRA: DBK; NYSE: DB)** since Mar 10 1870 Deutsche Bank founding in Berlin.
- **Dec 17 2025 Deutsche Bank Wero launch (EPI co-launcher) + Sep 2025 new Deutsche Bank App launch + 70+ online services + Google Pay integration + barcode cash withdrawal at 12,500+ partner locations**.
- **Postbank (post-2010 € 2.79B 30% acquisition + 2018 legal merger + 2026 Postbank Deutsche Bank brand integration) + DWS Group + Deutsche Bank Wealth Management**.
- **BaFin + ECB regulated**.

## Sources

[1]: https://www.db.com/news/detail/20251217-deutsche-bank-launches-wero-for-more-simple-and-sovereign-digital-payments-in-europe?language_id=1 "Deutsche Bank launches Wero for more simple and sovereign digital payments in Europe — Deutsche Bank"
[2]: https://regionalupdate.de/2026/02/23/deutsche-banking-apps-mobile/ "Deutsche nutzen Banking-Apps erstmals häufiger als Online-Portale — Regional Update"
[3]: https://www.it-finanzmagazin.de/deutsche-bank-fuehrt-neue-banking-app-ein-warum-das-upgrade-jetzt-alternativlos-ist-231785/ "Deutsche Bank führt neue Banking-App ein — IT Finanzmagazin"
[4]: https://www.deutsche-bank.de/pk/service-und-kontakt/weitere-themen-und-kooperationen/baufi-partnerportal-einstieg/newsletter-september-2025/neues-online-banking-und-neue-deutsche-bank-app.html "Neues Online-Banking und neue Deutsche Bank App — Deutsche Bank"
[de-cro]: https://docs.barcoder.ai/docs/payments/DE

- [1] [Deutsche Bank launches Wero for more simple and sovereign digital payments in Europe — Deutsche Bank][1]
- [2] [Deutsche nutzen Banking-Apps erstmals häufiger als Online-Portale — Regional Update][2]
- [3] [Deutsche Bank führt neue Banking-App ein — IT Finanzmagazin][3]
- [4] [Neues Online-Banking und neue Deutsche Bank App — Deutsche Bank][4]
- <sup>[Germany report](https://docs.barcoder.ai/docs/payments/DE)</sup> In-corpus: `reports/countries/DE-germany.md`

## Source

Biography extracted from [deutsche-bank.md](https://docs.barcoder.ai/source/wallets/deutsche-bank). See `matrix.md` for standards-support matrix if present.