Gemeinschaftskonto

DKB Gemeinschaftskonto: a free joint account for two, with a €200 bonus

DKB's Gemeinschaftskonto is a joint checking account for two account holders - for couples or shared households, say - advertised with a multi-stage new-customer bonus totaling €200. It targets employees, students, apprentices, retirees, and people without employment.

Account fee and conditions

According to DKB's current offer, the Gemeinschaftskonto costs €4.50 per month if the fee-waiver condition is not met. It's free if at least €700 is credited to the account monthly, or if both account holders are under 28. An additional fee of €2.50 per month applies for any supplementary sub-accounts. These conditions go beyond what the base product data alone shows and come from the bank's current offer page.

The €200 bonus in detail

The bonus consists of two separate components that must be earned in sequence. The first component, €150, requires applying for the checking account by 15 September 2026, plus consenting to the use of personal data for product information. This part is paid out if at least €1,000 is credited to the new account in each of two consecutive months by 30 November 2026 at the latest. The second component, €50, additionally requires opening a savings (Tagesgeld) account directly in online banking by 30 September 2026 at the latest; according to the current offer page, at least €2,500 must then be transferred to that savings account by 7 October 2026 and left there for at least 60 days. Overall, this is a multi-stage bonus with several deadlines and minimum amounts - realistically attainable for anyone already planning to redirect their regular income and park extra money in a savings account, but noticeably more involved than a simple, unconditional account-opening bonus.

Cards, overdraft rate, and active status

The Visa debit cards are free for both account holders; an optional Visa credit card costs €2.49 per month. The rate for both the arranged and the tolerated overdraft is 9.28% per quarter and per year respectively. For cash withdrawals, DKB distinguishes between two states: with so-called active status - tied to the same condition as the free account management - withdrawals are free almost everywhere worldwide. Without active status, withdrawals in Germany and the euro area remain free, but a 2.20% fee with a €50 minimum applies for foreign-currency withdrawals.

App features

The DKB app offers a "Card Control" feature for managing cards, push notifications for transactions, the ability to temporarily lock the card, country- and usage-based card settings, and a real-time overview of account activity and transfers.

Deposit protection

Deposits are protected up to €100,000 at 100% via the Entschädigungseinrichtung des Bundesverbandes Öffentlicher Banken Deutschlands GmbH.

Who is this account for

The Gemeinschaftskonto best suits couples, shared households, or family members running a joint account who regularly deposit at least €700 a month, or who are both under 28. Anyone additionally willing to open a savings account and park money there for 60 days can realistically claim the full €200 bonus.

Opening the account

The account is opened online and managed exclusively via online banking and app - unlike some other accounts in this comparison, no phone advice or branch is offered. A switching service helps move existing standing orders and direct debits from your previous bank.

Pros and cons

• Free account management with €700 inflow or under age 28
• Up to €200 new-customer bonus in two stages
• Visa debit cards free for both account holders
• Free worldwide withdrawals with active status

• €4.50/month fee without the fee-waiver condition met
• Bonus requires multiple deadlines and an extra savings account
• 2.20% fee on foreign-currency withdrawals without active status

Verdict

The DKB Gemeinschaftskonto is a cost-effective joint checking account for couples and shared households with regular inflow, or people under 28, backed by an attractive but multi-stage €200 bonus. Anyone who keeps the 15 September, 30 September, and 7 October 2026 deadlines in mind, and is willing to also open a savings account, can realistically claim the full bonus.