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Ingrid Schneider · Updated: 3 September 2026
medKonto is a specialized business account from Deutsche Bank that, unlike most business accounts, isn't aimed at self-employed professionals across all industries but specifically at doctors, dentists, and pharmacists with regular income from their independent practice.
According to the provider, medKonto is free in the first year. From the second year onward, a monthly fee of €24.90 applies, which works out to roughly €299 per year. This differs from the annual cost estimate of €161 recorded in the product database – the current provider information, with its clear "free year 1, €24.90/month from year 2" structure, is the more reliable and detailed source and should be used for budgeting.
Deutsche Bank charges €0.20 per transaction for paperless online bookings and €3.00 per order for paper-based offline transfers. SEPA instant transfers also cost €0.20 per order – the same as a regular online booking, which is convenient for practices with urgent payments. The provider's page gives no concrete figure for overdraft interest on an arranged overdraft.
medKonto includes up to two Deutsche Bank Card Business (debit cards). A third card costs an additional €10 per year. A credit card in a special "doctors' design" is also available – no specific cost information is provided for this credit card.
Unlike most business accounts, which are priced across industries generically, Deutsche Bank explicitly targets medKonto at a group with typically regular, predictable income from statutory and private billing. That's also visible in the narrower target-group list in the product data (freelancers, sole proprietorships, and non-trading partnerships such as joint practices), which is noticeably narrower than generic business accounts that allow seven or more legal forms.
Deposits are protected up to €100,000 through the Entschädigungseinrichtung deutscher Banken GmbH – the statutory German deposit protection scheme. Deutsche Bank offers phone support and a nationwide branch network alongside online banking and the mobile app, which can matter for practice owners seeking in-person advice on practice financing or larger investments.
Neither the product data nor the provider's page gives a concrete overdraft interest rate or exact pricing for the optional doctors'-design credit card. Anyone who needs these details for their decision should ask Deutsche Bank directly before opening an account.
The account is explicitly tailored to healthcare professions: doctors, dentists, and pharmacists running their own practice or pharmacy. For other freelancers or trades without a medical or pharmaceutical background, medKonto isn't the obvious choice – a general business account from Deutsche Bank or another provider would be more relevant. Matching this narrow target group, Deutsche Bank offers phone support and a branch network alongside online banking and the app.
medKonto is a niche solution for healthcare professionals with an attractive fee-free first year, but at €24.90 per month afterward it's one of the pricier options in comparison. Anyone issuing many paper transfers pays significantly more at €3 per order than with online bookings at €0.20. Still, for doctors, dentists, and pharmacists looking for a banking relationship tailored to their profession with branch service, the account is a targeted option.
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