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Ingrid Schneider · Updated: 3 September 2026
The AktivKonto is Deutsche Bank's standard current account for customers who want a classic account with full access via branch, phone, online banking and app. According to the bank, it is aimed primarily at employees and retirees, sitting between the fee-free Junges Konto for people up to 30 and the more premium BestKonto.
Deutsche Bank currently charges EUR 6.90 per month for the AktivKonto, roughly EUR 82.80 a year. The bank's current offer page for this account does not list a condition under which this fee is waived — only the separate Junges Konto, for pupils, apprentices, students and federal-volunteer-service participants up to age 30, is free. Anyone opening an AktivKonto should budget for the monthly fee.
New customers who open the account online can currently receive a EUR 200 welcome bonus, available until 30 September 2026. It is not automatic, though: it requires at least EUR 600 in incoming payments during the first full calendar month after opening, and the account must then stay open for at least 12 months. Reaching EUR 600 in incoming payments is straightforward for most salaried employees, but the 12-month commitment means this is not "quick cash" — it requires some account loyalty.
The account comes with the Deutsche Bank Card with Mastercard functionality (a debit card) at no cost. Customers who also want a credit card can add the Mastercard Gold as an option, which costs EUR 82 a year on the AktivKonto (the same card is included free of charge on the higher-tier BestKonto).
Cash withdrawals within Germany are free at around 7,000 Cash Group ATMs, plus fee-free at the tills of Aldi Süd, Lidl, Netto, Penny, Rewe, dm and Edeka. Abroad, withdrawals are also free at Deutsche Bank's partner banks in more than 30 countries — only the usual currency-conversion charge may apply.
If the account goes into the red, the bank charges 12.60% for an arranged (pre-agreed) overdraft, and 14.05% per year for an unarranged overdraft that was not agreed in advance. Anyone who regularly dips into the negative should keep this gap in mind.
Deposits are protected up to EUR 100,000 per customer via the Entschädigungseinrichtung deutscher Banken GmbH — the statutory minimum standard in Germany. A plus point is that Deutsche Bank offers all classic channels in parallel for the AktivKonto: online, phone, branch and app, setting it apart from pure direct-bank offers with no branch network. A switching service is also available to help move standing orders and direct debits when changing banks.
The app supports mobile payments via Apple Pay, Google Pay and Samsung Wallet, access is secured through the BestSign procedure, and statements land in a digital mailbox.
Deutsche Bank positions this account mainly for employees and retirees who value branch access and personal advice and are willing to pay a monthly fee for it. Customers who bank entirely online and don't need branch access will typically find cheaper terms at pure online banks.
The account is opened online via Deutsche Bank's website; identification typically happens via a video-ident procedure or in person at a branch. Once verification is complete, the account is activated and the cards are sent by post.
The AktivKonto is a solid, but not free, all-round current account for anyone who wants branch, phone and app access at the same time. For EUR 6.90 a month you get a dense, fee-free ATM network at home and abroad plus a time-limited EUR 200 welcome bonus — but anyone mainly looking for a free digital account will often do better elsewhere.
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