Bank AI
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DKB — Deutsche Kreditbank, the digital-direct arm of Bayerische Landesbank, with one of the largest direct-banking footprints in Germany.

HQ
Berlin
Customers
5.7M+ customers
Connection
PSD2 (read-only)

  • Current accounts and salary inflows

    Your DKB current account, with salary credits tagged and outflows auto-categorised on the same taxonomy as your other banks.

  • Savings, deposits and pots

    Easy-access savings, fixed-term deposits and goal-based pots offered by DKB are read alongside the current account so the full balance is never split.

  • Cards and recurring spend

    Debit-card and credit-card transactions are auto-categorised, with card-on-file subscriptions detected as recurring monthly spend.

  • Standing orders and direct debits

    Mortgage payments, rent, utilities and SEPA direct debits hitting your DKB account are detected so non-discretionary outflows are clear month-on-month.

  • Current accounts

    Read by Bank AI

    Read-only view of your daily spending account: balance, transactions, IBAN. Bank AI never moves the money - it stays in the bank.

  • Savings accounts

    Read by Bank AI

    Easy-access savings, vaults, fixed-term deposits and pots are read alongside the current account so the full balance picture is never split.

  • Joint accounts

    Read by Bank AI

    Joint accounts are read for every co-holder who connects the bank under their own consent - each member sees the same balances and transactions.

  • Business accounts

    Read by Bank AI

    Where the bank exposes business / SME / freelancer accounts via PSD2, they are read alongside personal accounts and tagged separately for clean reporting.

  • Multi-currency balances

    Not yet supported

    Multi-currency wallets surface every currency you hold separately, with FX rates applied so home-currency net worth stays accurate.

  • Debit and credit cards

    Read by Bank AI

    Card-only products without a full IBAN account are read for spend, statements and standing orders just like a current account.

Auto-classified merchants

  • REWE
  • EDEKA
  • Aldi
  • Lidl
  • dm
  • Rossmann
  • Deutsche Bahn
  • Amazon

Detected subscriptions

  • Netflix
  • Spotify
  • Disney+
  • DAZN
  • Telekom
  • Sky Deutschland

  • How much sits across my DKB Girokonto and Tagesgeld today?
  • Compare my DKB Visa-card spend with my other German credit card.
  • List every recurring Telekom, Sky Deutschland and DAZN payment on my DKB account.
  • What's the next direct debit due on my DKB account?

Does Bank AI move money on my DKB account?

No. Bank AI is read-only by design. Transfers, payments and standing orders continue to happen inside DKB. Bank AI surfaces balances, transactions and recurring totals; every action remains under your control inside the DKB app.

How does Bank AI connect to DKB?

DKB exposes account data via PSD2. Bank AI uses licensed Account Information Service Providers (AISPs) to read balances, transactions and standing orders; Strong Customer Authentication is enforced every 90 days as the rules require.

Does Bank AI work with DKB Aktivkunde and other tiers?

Yes. The connection is at account level, not at customer-tier level. The tier-specific monthly account fee (where applicable) is detected as a recurring outflow.

What about my DKB Tagesgeld?

Tagesgeld and Festgeld balances are read as distinct sub-balances under your DKB connection, with rates surfaced where exposed.

Does DKB still hold my money?

Yes. DKB is a fully licensed bank under BaFin, with deposit insurance up to 100,000 EUR per depositor under the German Compensation Scheme. Bank AI never holds your money - we only read the data you authorise via PSD2.

What happens if DKB raises a connectivity error?

PSD2 connections occasionally require re-authentication (the 90-day SCA refresh) or fail because of a DKB-side maintenance window. Bank AI shows a clear status pill on the connection and prompts you to re-authenticate without losing any of your data.

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