Deutsche Postbank AG

Business Summary

Deutsche Postbank AG provides products and services in the areas of retail banking, corporate banking, insurance. The range of products offered by Deutsche Postbank AG includes current accounts, debit cards, credit cards, savings accounts (0.00 - 1.40 %), time deposit accounts (0.01 - 0.01 %), consumer loans (1.79 - 10.33 %), trading accounts, car loans (1.99 - 4.99 %).

Products

Current Accounts

Current accounts are non-interest bearing deposit accounts that are used to perform day-to-day banking transactions. Current accounts are often offered with a payment card (a debit card and/or a credit card) and may also include overdraft possibility. Annual costs of having a current account (also known as account management fees) can depend on monthly income input to the account or amount of money deposited into the account.

Current accounts made with Deutsche Postbank AG are covered by deposit guarantee scheme of Germany up to 100,000 EUR per depositor. The following current accounts are offered by Deutsche Postbank AG.

Updated on 23 November 2019

Fohlen-Konto
Sales Region
Germany
Overdraft Rate (p.a.)
none
Interest Rate (p.a.)
0.00 %
Annual Costs
46.80 EUR
Current Account Details
Product Name
Fohlen-Konto
Account Currency
EUR
Annual Costs
46.80 EUR
Interest Rate (p.a.)
0.00 %
Overdraft Rate (p.a.)
none
Debit Card
Debit Card Costs (p.a.)
0.00 EUR
Visa Credit Card
Visa Credit Card Costs (p.a.)
29.00 EUR
MasterCard Credit Card
Telephone Banking
Branch Banking
Online Banking
Current Account Features
Free debit card
Credit card Visa available
Account be can accessed via online banking, phone, branch
Available to German residents
Fohlen-Konto
Sales Region
Germany
Overdraft Rate (p.a.)
none
Interest Rate (p.a.)
10.55 %
Annual Costs
46.80 EUR
Current Account Details
Product Name
Fohlen-Konto
Account Currency
EUR
Annual Costs
46.80 EUR
Interest Rate (p.a.)
10.55 %
Overdraft Rate (p.a.)
none
Debit Card
Debit Card Costs (p.a.)
0.00 EUR
Visa Credit Card
Visa Credit Card Costs (p.a.)
29.00 EUR
MasterCard Credit Card
Telephone Banking
Branch Banking
Online Banking
Current Account Features
Free debit card
Credit card Visa available
Account be can accessed via online banking, phone, branch
Available to German residents
Giro direkt
Sales Region
Germany
Overdraft Rate (p.a.)
none
Interest Rate (p.a.)
0.00 %
Annual Costs
0.00 EUR
Current Account Details
Product Name
Giro direkt
Account Currency
EUR
Annual Costs
0.00 EUR
Interest Rate (p.a.)
0.00 %
Overdraft Rate (p.a.)
none
Debit Card
Debit Card Costs (p.a.)
0.00 EUR
Visa Credit Card
Visa Credit Card Costs (p.a.)
29.00 EUR
MasterCard Credit Card
Telephone Banking
Branch Banking
Online Banking
Current Account Features
No annual fees
Free debit card
Credit card Visa available
Account be can accessed via online banking, phone, branch
Available to German residents
Giro direkt
Sales Region
Germany
Overdraft Rate (p.a.)
none
Interest Rate (p.a.)
10.55 %
Annual Costs
0.00 EUR
Current Account Details
Product Name
Giro direkt
Account Currency
EUR
Annual Costs
0.00 EUR
Interest Rate (p.a.)
10.55 %
Overdraft Rate (p.a.)
none
Debit Card
Debit Card Costs (p.a.)
0.00 EUR
Visa Credit Card
Visa Credit Card Costs (p.a.)
29.00 EUR
MasterCard Credit Card
Telephone Banking
Branch Banking
Online Banking
Current Account Features
No annual fees
Free debit card
Credit card Visa available
Account be can accessed via online banking, phone, branch
Available to German residents
Giro direkt
Sales Region
Germany
Overdraft Rate (p.a.)
none
Interest Rate (p.a.)
0.00 %
Annual Costs
22.80 EUR
Current Account Details
Product Name
Giro direkt
Account Currency
EUR
Annual Costs
22.80 EUR
Interest Rate (p.a.)
0.00 %
Overdraft Rate (p.a.)
none
Debit Card
Debit Card Costs (p.a.)
0.00 EUR
Visa Credit Card
Visa Credit Card Costs (p.a.)
29.00 EUR
MasterCard Credit Card
Telephone Banking
Branch Banking
Online Banking
Current Account Features
Free debit card
Credit card Visa available
Account be can accessed via online banking, phone, branch
Available to German residents
Giro direkt
Sales Region
Germany
Overdraft Rate (p.a.)
none
Interest Rate (p.a.)
10.55 %
Annual Costs
22.80 EUR
Current Account Details
Product Name
Giro direkt
Account Currency
EUR
Annual Costs
22.80 EUR
Interest Rate (p.a.)
10.55 %
Overdraft Rate (p.a.)
none
Debit Card
Debit Card Costs (p.a.)
0.00 EUR
Visa Credit Card
Visa Credit Card Costs (p.a.)
29.00 EUR
MasterCard Credit Card
Telephone Banking
Branch Banking
Online Banking
Current Account Features
Free debit card
Credit card Visa available
Account be can accessed via online banking, phone, branch
Available to German residents
Giro extra plus
Sales Region
Germany
Overdraft Rate (p.a.)
none
Interest Rate (p.a.)
8.68 %
Annual Costs
0.00 EUR
Current Account Details
Product Name
Giro extra plus
Account Currency
EUR
Annual Costs
0.00 EUR
Interest Rate (p.a.)
8.68 %
Overdraft Rate (p.a.)
none
Debit Card
Debit Card Costs (p.a.)
0.00 EUR
Visa Credit Card
Visa Credit Card Costs (p.a.)
0.00 EUR
MasterCard Credit Card
Telephone Banking
Branch Banking
Online Banking
Current Account Features
No annual fees
Free debit card
Free credit card Visa
Account be can accessed via online banking, phone, branch
Available to German residents
Giro extra plus
Sales Region
Germany
Overdraft Rate (p.a.)
none
Interest Rate (p.a.)
0.00 %
Annual Costs
0.00 EUR
Current Account Details
Product Name
Giro extra plus
Account Currency
EUR
Annual Costs
0.00 EUR
Interest Rate (p.a.)
0.00 %
Overdraft Rate (p.a.)
none
Debit Card
Debit Card Costs (p.a.)
0.00 EUR
Visa Credit Card
Visa Credit Card Costs (p.a.)
0.00 EUR
MasterCard Credit Card
Telephone Banking
Branch Banking
Online Banking
Current Account Features
No annual fees
Free debit card
Free credit card Visa
Account be can accessed via online banking, phone, branch
Available to German residents
Giro extra plus
Sales Region
Germany
Overdraft Rate (p.a.)
none
Interest Rate (p.a.)
0.00 %
Annual Costs
130.80 EUR
Current Account Details
Product Name
Giro extra plus
Account Currency
EUR
Annual Costs
130.80 EUR
Interest Rate (p.a.)
0.00 %
Overdraft Rate (p.a.)
none
Debit Card
Debit Card Costs (p.a.)
0.00 EUR
Visa Credit Card
Visa Credit Card Costs (p.a.)
0.00 EUR
MasterCard Credit Card
Telephone Banking
Branch Banking
Online Banking
Current Account Features
Free debit card
Free credit card Visa
Account be can accessed via online banking, phone, branch
Available to German residents
Giro extra plus
Sales Region
Germany
Overdraft Rate (p.a.)
none
Interest Rate (p.a.)
8.68 %
Annual Costs
130.80 EUR
Current Account Details
Product Name
Giro extra plus
Account Currency
EUR
Annual Costs
130.80 EUR
Interest Rate (p.a.)
8.68 %
Overdraft Rate (p.a.)
none
Debit Card
Debit Card Costs (p.a.)
0.00 EUR
Visa Credit Card
Visa Credit Card Costs (p.a.)
0.00 EUR
MasterCard Credit Card
Telephone Banking
Branch Banking
Online Banking
Current Account Features
Free debit card
Free credit card Visa
Account be can accessed via online banking, phone, branch
Available to German residents
Giro plus
Sales Region
Germany
Overdraft Rate (p.a.)
none
Interest Rate (p.a.)
0.00 %
Annual Costs
58.80 EUR
Current Account Details
Product Name
Giro plus
Account Currency
EUR
Annual Costs
58.80 EUR
Interest Rate (p.a.)
0.00 %
Overdraft Rate (p.a.)
none
Debit Card
Debit Card Costs (p.a.)
0.00 EUR
Visa Credit Card
Visa Credit Card Costs (p.a.)
29.00 EUR
MasterCard Credit Card
Telephone Banking
Branch Banking
Online Banking
Current Account Features
Free debit card
Credit card Visa available
Account be can accessed via online banking, phone, branch
Available to German residents
Giro plus
Sales Region
Germany
Overdraft Rate (p.a.)
none
Interest Rate (p.a.)
10.55 %
Annual Costs
58.80 EUR
Current Account Details
Product Name
Giro plus
Account Currency
EUR
Annual Costs
58.80 EUR
Interest Rate (p.a.)
10.55 %
Overdraft Rate (p.a.)
none
Debit Card
Debit Card Costs (p.a.)
0.00 EUR
Visa Credit Card
Visa Credit Card Costs (p.a.)
29.00 EUR
MasterCard Credit Card
Telephone Banking
Branch Banking
Online Banking
Current Account Features
Free debit card
Credit card Visa available
Account be can accessed via online banking, phone, branch
Available to German residents
Giro start direkt
Sales Region
Germany
Overdraft Rate (p.a.)
none
Interest Rate (p.a.)
10.55 %
Annual Costs
0.00 EUR
Current Account Details
Product Name
Giro start direkt
Account Currency
EUR
Annual Costs
0.00 EUR
Interest Rate (p.a.)
10.55 %
Overdraft Rate (p.a.)
none
Debit Card
Debit Card Costs (p.a.)
0.00 EUR
Visa Credit Card
Visa Credit Card Costs (p.a.)
5.00 EUR
MasterCard Credit Card
Telephone Banking
Branch Banking
Online Banking
Current Account Features
No annual fees
Free debit card
Credit card Visa available
Account be can accessed via online banking, phone, branch
Available to German residents
Giro start direkt
Sales Region
Germany
Overdraft Rate (p.a.)
none
Interest Rate (p.a.)
0.00 %
Annual Costs
0.00 EUR
Current Account Details
Product Name
Giro start direkt
Account Currency
EUR
Annual Costs
0.00 EUR
Interest Rate (p.a.)
0.00 %
Overdraft Rate (p.a.)
none
Debit Card
Debit Card Costs (p.a.)
0.00 EUR
Visa Credit Card
Visa Credit Card Costs (p.a.)
5.00 EUR
MasterCard Credit Card
Telephone Banking
Branch Banking
Online Banking
Current Account Features
No annual fees
Free debit card
Credit card Visa available
Account be can accessed via online banking, phone, branch
Available to German residents

Germany: This product is offered to German residents only. When clicking on the product link you will be redirected to the product page in German.

See Also

Savings Accounts

Savings accounts are interest-bearing deposits accounts which allow to withdraw money at any time. While providing more flexibility, savings accounts usually offer lower interest rates and shorter deposit terms than time deposit accounts.

Savings accounts made with Deutsche Postbank AG are covered by deposit guarantee scheme of Germany up to 100,000 EUR per depositor. Deutsche Postbank AG offers the following savings accounts.

Updated on 23 November 2019

SparCard Rendite plus
Sales Region
Germany
Investment Amount
1 - 999,999 EUR
Interest Rate (p.a.)
0.00 - 1.40 %
Deposit Term
1 - 99 months
Savings Account Details
Product Name
SparCard Rendite plus
Account Currency
EUR
Min. Interest Rate (p.a.)
0.00 %
Max. Interest Rate (p.a.)
1.40 %
Min. Deposit Term
1 month
Max. Deposit Term
99 months
Min. Investment Amount
1 EUR
Max. Investment Amount
999,999 EUR
Interest Frequency
1 times a year
Tagesgeldkonto
Sales Region
Germany
Investment Amount
1 - 999,999 EUR
Interest Rate (p.a.)
0.01 %
Deposit Term
1 - 99 months
Savings Account Details
Product Name
Tagesgeldkonto
Account Currency
EUR
Min. Interest Rate (p.a.)
0.01 %
Max. Interest Rate (p.a.)
0.01 %
Min. Deposit Term
1 month
Max. Deposit Term
99 months
Min. Investment Amount
1 EUR
Max. Investment Amount
999,999 EUR
Interest Frequency
1 times a year
Business Tagesgeld
Sales Region
Germany
Investment Amount
1 - 999,999 EUR
Interest Rate (p.a.)
0.00 - 0.01 %
Deposit Term
1 - 99 months
Savings Account Details
Product Name
Business Tagesgeld
Account Currency
EUR
Min. Interest Rate (p.a.)
0.00 %
Max. Interest Rate (p.a.)
0.01 %
Min. Deposit Term
1 month
Max. Deposit Term
99 months
Min. Investment Amount
1 EUR
Max. Investment Amount
999,999 EUR
Interest Frequency
1 times a year

Germany: This product is offered to German residents only. When clicking on the product link you will be redirected to the product page in German.

See Also

Time Deposit Accounts

Time deposits accounts are interest-bearing deposit accounts offering higher interest rates than savings accounts. However the money deposited to such account cannot be withdrawn for a specified period of time (term).

Time deposit accounts made with Deutsche Postbank AG are covered by deposit guarantee scheme of Germany up to 100,000 EUR per depositor. Deutsche Postbank AG offers the following time deposit accounts.

Updated on 23 November 2019

Kapital plus direkt
Sales Region
Germany
Investment Amount
2,500 - 999,999 EUR
Interest Rate (p.a.)
0.01 %
Deposit Term
1 - 72 months
Time Deposit Account Details
Product Name
Kapital plus direkt
Account Currency
EUR
Min. Interest Rate (p.a.)
0.01 %
Max. Interest Rate (p.a.)
0.01 %
Min. Deposit Term
1 month
Max. Deposit Term
72 months
Min. Investment Amount
2,500 EUR
Max. Investment Amount
999,999 EUR
Interest Frequency
1 times a year

Germany: This product is offered to German residents only. When clicking on the product link you will be redirected to the product page in German.

See Also

Credit Cards

Credit cards provide a convenient option to borrow funds for short-term financing, for examples purchasing of goods and services. Credit cards differ by credit card provider (Visa, American Express, MasterCard), credit card type (silver, gold, platinum), charged interest and annual costs. The following credit cards are offered by Deutsche Postbank AG.

Updated on 23 November 2019

VISA Card zum Giro extra plus
Sales Region
Germany
Card Currency
EUR
Card Provider
Visa
Card Type
Standard
Annual Costs
0.00 EUR
Credit Card Details
Product Name
VISA Card zum Giro extra plus
Card Provider
Visa
Card Type
Standard
Annual Costs
0.00 EUR
Card Currency
EUR
Transaction Cost (EUR)
0.00 %
Transaction Cost (non-EUR)
1.85 %
Current Account Necessary
Bonus Program
Mastercard
Sales Region
Germany
Card Currency
EUR
Card Provider
MasterCard
Card Type
Standard
Annual Costs
22.00 EUR
Credit Card Details
Product Name
Mastercard
Card Provider
MasterCard
Card Type
Standard
Annual Costs
22.00 EUR
Card Currency
EUR
Transaction Cost (EUR)
0.00 %
Transaction Cost (non-EUR)
1.85 %
Current Account Necessary
Bonus Program
Visa Card Gold
Sales Region
Germany
Card Currency
EUR
Card Provider
Visa
Card Type
Gold
Annual Costs
29.00 - 59.00 EUR
Credit Card Details
Product Name
Visa Card Gold
Card Provider
Visa
Card Type
Gold
Annual Costs
29.00 - 59.00 EUR
Card Currency
EUR
Transaction Cost (EUR)
0.00 %
Transaction Cost (non-EUR)
1.85 %
Current Account Necessary
Bonus Program
Visa Card
Sales Region
Germany
Card Currency
EUR
Card Provider
Visa
Card Type
Standard
Annual Costs
29.00 EUR
Credit Card Details
Product Name
Visa Card
Card Provider
Visa
Card Type
Standard
Annual Costs
29.00 EUR
Card Currency
EUR
Transaction Cost (EUR)
0.00 %
Transaction Cost (non-EUR)
1.85 %
Current Account Necessary
Bonus Program
Visa Card Platinum
Sales Region
Germany
Card Currency
EUR
Card Provider
Visa
Card Type
Platin
Annual Costs
99.00 EUR
Credit Card Details
Product Name
Visa Card Platinum
Card Provider
Visa
Card Type
Platin
Annual Costs
99.00 EUR
Card Currency
EUR
Transaction Cost (EUR)
0.00 %
Transaction Cost (non-EUR)
1.85 %
Current Account Necessary
Bonus Program

Germany: This product is offered to German residents only. When clicking on the product link you will be redirected to the product page in German.

See Also

Consumer Loans

Consumer loans are secured or unsecured (i.e., backed or non-backed by a collateral) loans provided to retail customers for personal, family, or household purposes or for purchase of goods and services. In terms of repayment, consumer loans can be revolving (when a credit limit can be spent, repaid and spent again) or installment (such a loan is repaid in equal installments until the loan is paid off at the end of its term). Consumer loans offered by Deutsche Postbank AG are shown in the table below.

Updated on 23 November 2019

Business Kredit Online
Sales Region
Germany
Borrowing Amount
10,000 - 49,999 EUR
Loan Term
12 - 84 months
Effective Rate (p.a.)
9.99 %
Consumer Loan Details
Loan Currency
EUR
Min. Loan Term
12 months
Max. Loan Term
84 months
Min. Borrowing Amount
10,000 EUR
Max. Borrowing Amount
49,999 EUR
Min. Effective Rate (p.a.)
9.99 %
Max. Effective Rate (p.a.)
9.99 %
Modernisierungskredit
Sales Region
Germany
Borrowing Amount
5,000 - 50,000 EUR
Loan Term
96 - 120 months
Effective Rate (p.a.)
5.29 %
Consumer Loan Details
Loan Currency
EUR
Min. Loan Term
96 months
Max. Loan Term
120 months
Min. Borrowing Amount
5,000 EUR
Max. Borrowing Amount
50,000 EUR
Min. Effective Rate (p.a.)
5.29 %
Max. Effective Rate (p.a.)
5.29 %
Privatkredit
Sales Region
Germany
Borrowing Amount
5,000 - 50,000 EUR
Loan Term
108 months
Effective Rate (p.a.)
10.33 %
Consumer Loan Details
Loan Currency
EUR
Min. Loan Term
108 months
Max. Loan Term
108 months
Min. Borrowing Amount
5,000 EUR
Max. Borrowing Amount
50,000 EUR
Min. Effective Rate (p.a.)
10.33 %
Max. Effective Rate (p.a.)
10.33 %
Privatkredit Direkt
Sales Region
Germany
Borrowing Amount
3,000 - 50,000 EUR
Loan Term
84 months
Effective Rate (p.a.)
7.99 %
Consumer Loan Details
Loan Currency
EUR
Min. Loan Term
84 months
Max. Loan Term
84 months
Min. Borrowing Amount
3,000 EUR
Max. Borrowing Amount
50,000 EUR
Min. Effective Rate (p.a.)
7.99 %
Max. Effective Rate (p.a.)
7.99 %

Germany: This product is offered to German residents only. When clicking on the product link you will be redirected to the product page in German.

See Also

Car Loans

Car loans are secured or unsecured (i.e., backed or non-backed by a collateral) installment loans provided to retail customers for the purpose of buying a new or used car. Used cars purchased privately are often financed through unsecured loans, while new cars are financed via secured loans with the car used as the loan collateral. Car loans offered by Deutsche Postbank AG are shown in the table below.

Updated on 23 November 2019

Autokredit
Sales Region
Germany
Borrowing Amount
3,000 - 50,000 EUR
Loan Term
84 months
Effective Rate (p.a.)
4.99 %
Car Loan Details
Loan Currency
EUR
Min. Loan Term
84 months
Max. Loan Term
84 months
Min. Borrowing Amount
3,000 EUR
Max. Borrowing Amount
50,000 EUR
Min. Effective Rate (p.a.)
4.99 %
Max. Effective Rate (p.a.)
4.99 %
Autokredit
Sales Region
Germany
Borrowing Amount
3,000 - 50,000 EUR
Loan Term
108 - 120 months
Effective Rate (p.a.)
3.79 %
Car Loan Details
Loan Currency
EUR
Min. Loan Term
108 months
Max. Loan Term
120 months
Min. Borrowing Amount
3,000 EUR
Max. Borrowing Amount
50,000 EUR
Min. Effective Rate (p.a.)
3.79 %
Max. Effective Rate (p.a.)
3.79 %

Germany: This product is offered to German residents only. When clicking on the product link you will be redirected to the product page in German.

See Also

Trading Accounts

Trading accounts are used to execute trade transactions involving buying and selling various financial instruments, for example, stocks, bonds, futures and options. Trading accounts can hold both cash and securities.

Trading accounts made with Deutsche Postbank AG are covered by investor compensation scheme of Germany up to 20,000 EUR per investor. Trading accounts offered by Deutsche Postbank AG are shown in the table below.

Updated on 23 November 2019

Depot
Sales Region
Germany
Annual Costs
0.00 EUR
Costs per Order
9.95 - 33.00 EUR
Trading Account Details
Product Name
Depot
Annual Costs
0.00 EUR
Costs per Order
9.95 - 33.00 EUR
Traded Instruments
stocks
bonds
funds
certificates
Stock Exchanges
XETRA
Frankfurt Stock Exchange
NYSE
Trading Account Features
Major world stock exchanges
Most popular trade instruments
Available to German residents
No annual costs

Germany: This product is offered to German residents only. When clicking on the product link you will be redirected to the product page in German.

See Also