# DKB (Deutsche Kreditbank Germany)

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

Specifications:
- [DKB — official](https://www.dkb.de/)

## Overview

**DKB (Deutsche Kreditbank Germany)** is **Bayerische Landesbank BayernLB Bavarian state bank subsidiary** + **~5.5M+ customers** + **one of Germany's largest direct banks** <sup>[1][1], [Germany report](https://docs.barcoder.ai/docs/payments/DE)</sup>.

## History

**Mar 19 1990 — Deutsche Kreditbank AG founded** post-East German banking integration + reunification.

**1995 — DKB acquired by Bayerische Landesbank BayernLB Bavarian state bank**.

**2010 — DKB Mobile Banking app launch** distinctive German direct banking mobile strategy.

## Ownership & operator

**Operating entity**: **Deutsche Kreditbank AG (DKB)** (Bayerische Landesbank BayernLB Bavarian state bank subsidiary; one of Germany's largest direct banks).

**Major shareholders**: **Bayerische Landesbank (BayernLB; Bavarian state bank Sparkassenverband Bayern + Free State of Bavaria) fully owned**.

**Regulators**: **BaFin Germany + Deutsche Bundesbank + ECB**.

## Technical integration

DKB Mobile Banking app (iOS + Android; ~5.5M+ customers) + dkb.de online + DKB Visa + Mastercard cards; SEPA + SEPA Instant + EPC-QR + giropay + Wero (post-EPI launch).

## Implementations & partners

**Major German banking + neobank competitors**: [Deutsche Bank](https://docs.barcoder.ai/docs/wallets/deutsche-bank) (Deutsche Bank; FRA: DBK; NYSE: DB; Germany's largest commercial bank by assets) + [Commerzbank](https://docs.barcoder.ai/docs/wallets/commerzbank) (Commerzbank; FRA: CBK; Germany's #2 commercial bank by assets) + [ING-DiBa (ING Deutschland)](https://docs.barcoder.ai/docs/wallets/ing-diba) (ING-DiBa; ING Group German subsidiary + Germany's largest direct bank by customers ~9M+) + [Comdirect (Commerzbank brand)](https://docs.barcoder.ai/docs/wallets/comdirect) (Comdirect; Commerzbank subsidiary German direct bank) + [Postbank (Germany)](https://docs.barcoder.ai/docs/wallets/postbank-de) (Postbank; Deutsche Bank subsidiary post-2008 acquisition) + [N26](https://docs.barcoder.ai/docs/wallets/n26) (N26 German neobank + global; 8M+ customers) + [Trade Republic](https://docs.barcoder.ai/docs/wallets/trade-republic) (Trade Republic Europe's largest neobroker; 10M+ users in 18 European countries; €150B+ AUM) + [Scalable Capital](https://docs.barcoder.ai/docs/wallets/scalable-capital) (Scalable Capital German digital wealth manager + neobroker; Munich) + [bunq](https://docs.barcoder.ai/docs/wallets/bunq) (Dutch + EU neobank).

**Regulators**: BaFin Germany + Deutsche Bundesbank + ECB.

## Status

**Active, Bayerische Landesbank BayernLB Bavarian state bank subsidiary + ~5.5M+ customers + one of Germany's largest direct banks** <sup>[1][1], [2][2]</sup>.

## Sources

[1]: https://www.dkb.de/ "DKB — official"
[2]: https://en.wikipedia.org/wiki/Deutsche_Kreditbank "Deutsche Kreditbank — Wikipedia"
[de-cro]: https://docs.barcoder.ai/docs/payments/DE

- [1] [DKB — official][1]
- [2] [Deutsche Kreditbank — Wikipedia][2]
- <sup>[Germany report](https://docs.barcoder.ai/docs/payments/DE)</sup> In-corpus: `reports/countries/DE-germany.md`

## Source

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