Deutsche Kreditbank (DKB)

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Deutsche Kreditbank (DKB)

Basic information
Founded	1990-03-19
Legal Structure	Public
Industry	Finance
Also known as
Official website	https://www.dkb.de/

Founded in 1990, DKB is Germany's second largest direct bank with almost six million customers as of 2025.

Consumer-impact summary

Coinciding with its 35th anniversary, the bank has launched attempts to get their clients to consent to repurposing their banking and purchase history for advertising purposes.

Incidents

This is a list of all consumer-protection incidents this company is involved in. Any incidents not mentioned here can be found in the Deutsche Kreditbank (DKB) category.

Attempt to get consent to use users' private banking information for advertising (2025)

To celebrate its 35th anniversary in July 2025, the bank started a raffle clients were encouraged to take part in. This was promoted in various places, including their website and their app. After signing up for the event, every purchase over 5€ using the VISA credit card would constitute one entry into the sweepstakes.

To sign up, it was mandatory to enable a checkbox opting into advertising communication from the bank. Refusing this point would not allow them to take part.

A second checkbox labelled "Analyse von Umsatzdaten (optional)" (engl. "Analysis of transactions (optional)") was presented right below.

Activating this option gives the bank carte blanche to analyse the user's financial information for advertising purposes and to store this information for up to three years.

Third party tracking inside online banking interface (2024)

Users noticed that the online banking web frontend integrates both the advertising service Google Tag Manager and the analytics platform Sentry.io, which even allows for recording users' activities including mouse movements (Session Replay). Both companies are located in the United States. It is highly doubtful that this practice is legal.