Manage money & credit
Your account is the foundation of your finances.
Without a current account, nothing works: no salary, no rent, no savings plan. But not every current account is the same. Many people pay avoidable fees month after month and lose track of their cards and loans. That is exactly where we start: account, cards, and financing as one system that fits your life.
Building block 1 · Account & cards
An account that does more.
The ZinsKonto Plus from Deutsche Bank is not available at the bank counter, but exclusively through the financial advisory. It combines a full-fledged salary account with cards, an app, and services that make everyday life easier.
Exclusive through the financial advisory
ZinsKonto Plus
Your payment account at Deutsche Bank, designed for clients of Deutsche Vermögensberatung.
- Variable credit interest from the very first euro, available daily
- Free cash: 9.000 Cash Group ATMs in Germany, and worldwide in over 60 countries
- The monthly base fee can be waived entirely: as a salary account in the first 24 months, during a home financing or an installment loan, and from 10.000 € in portfolio volume
- Free account-switching service: you place the order, we take care of the rest
- Ideal as a settlement account for your securities account and savings plans
Pay worldwide
Cards & bonus program
Three cards for every stage of life: the Deutsche Bank Card, the Card Plus from age 12, and the Deutsche Vermögensberatung credit card from age 18.
- Pay at over 30 million Mastercard acceptance points worldwide, in store and online
- 40 free ATM cash withdrawals per calendar year, worldwide
- Bonus program: 20 € credit from 2.000 € in annual spend, 42 € from 4.000 € – the card pays for itself
- Full control via the „Meine Karte" app: switch your card on and off anytime, with a push notification for every transaction
- Mobile payment with Apple Pay and Android
Building block 2 · Credit & debt consolidation
Financing that fits your life.
A loan is not an end in itself. Used wisely, it creates room to maneuver: for the new kitchen, the car, or to combine expensive old loans into a lower installment. What matters is that the financing fits your overall plan and your wealth building keeps going.
Finance your wishes
PrivatKredit
The installment loan from Deutsche Bank: fast, predictable, and flexibly adaptable to your life situation.
- Loan amount from 1.000 to 50.000 €, up to 75.000 € for existing customers
- Term of 12 to 84 months with constant installments
- Usually a same-day lending decision and payout
- On request, one installment-free month per year
- Protection package to safeguard your family if the worst happens
Bring order to your installments
Debt consolidation with the PrivatKredit Smart
Several installments here, an overdrawn account there? The PrivatKredit Smart combines existing installment loans and overdrafts into one clear installment.
- One installment instead of many: more clarity and often a lower monthly burden
- Free special repayments at any time, so you become debt-free as fast as you want
- ZinsKonto Plus included: no monthly base fee for the duration of the term
- The freed-up room flows into your wealth building instead of old interest
Subject to credit approval. All details describe the product design of Deutsche Bank without guarantee; the currently applicable terms and contract documents are decisive. We discuss your personal terms in a meeting based on a specific offer.
Why through me?
Account, credit, and wealth building from a single source.
A bank sees your account. I see your whole picture: income, protection, savings goals, and wishes. That turns a current account and a loan into a plan that truly moves you forward.
Thought through holistically
Credit and wealth building belong together: the installment has to fit without stopping your savings plan.
Switching accounts without the hassle
The free account-switching service notifies your payment partners. You barely have to do anything yourself.
A strong product partner
Deutsche Vermögensberatung has worked with Deutsche Bank for decades, with exclusive solutions for its clients.
Everything in view
Excellent online and mobile banking, MultiBanking for accounts at other banks, and eSafe for your documents.
Free & without obligation
Let's tidy up your banking.
In the first meeting, we look at your current account, your cards, and your ongoing loans: what is costing you money unnecessarily, and where is the potential? Honest, easy to understand, and without pressure.