EU Sovereignty Score
EU sovereignFintech & NeobanksHeadquarters: DE

DKB (Deutsche Kreditbank): sovereignty score and 8 European alternatives

DKB, short for Deutsche Kreditbank AG, is a digitally focused German retail bank. It offers a current account with a mobile app, and its main product is the DKB-Cash current account. The bank serves private customers and some business and public-sector clients, with only a few branches. Customers can open accounts and sign mortgage contracts digitally, through a hosted online banking platform. The bank states that its focus is on the digitalisation of banking.

Deutsche Kreditbank AG is seated in Berlin and wholly owned by Bayerische Landesbank, a German state bank, so the ownership chain stays in Germany and the EU. The bank's website does not state where customer data is hosted, so a European organisation should confirm hosting and data-processing terms in writing. As a proprietary banking platform, DKB offers no open-source or self-hosting option, so the sovereignty question rests mainly on contractual safeguards.

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Sovereignty score
71 / 1000 = high exposure
100 = sovereign
  • Jurisdiction SOV-2100
    Headquartered in the EU: European law applies
  • Data residency SOV-3100
    EU-only hosting
  • Cryptographic key sovereignty SOV-360
    Key management with a European vendor
  • Freedom from lock-in SOV-640
    Closed source: switching requires data migration
  • Source & runtime sovereignty SOV-4 · SOV-655
    Closed source, runtime with the vendor

SOV codes: the matching objective in the European Commission's Cloud Sovereignty Framework. Official source

How the score is calculated

Facts and evidence

Last checked October 10, 2026
HeadquartersDE (EU)Verified by hand
Sovereignty modelVendor-hosted (EU)Verified by hand
Data hostingEUVerified by hand
Open-sourceNoVerified by hand
GDPR-compliantNoVendor-stated
CategoryFintech & Neobanks
TypeProduct
Websitedkb.de ↗

How we verify · Something wrong? Suggest a correction

Top EU-based & GDPR-compliant alternatives to DKB (Deutsche Kreditbank)

The European alternatives to DKB (Deutsche Kreditbank) come from our knowledge base of over 6,200 vendors. We only list vendors headquartered in the EU or the EEA; fully European-owned vendors rank before vendors with a foreign owner. For each alternative you see the country, the open-source status and a short description.

Score per alternative: 0 = high exposure, 100 = sovereign

116 European Fintech & Neobanks vendors are in the catalogue. View the whole category · Submit an alternative · View category on the map

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Why digital sovereignty matters with DKB (Deutsche Kreditbank)

DKB (Deutsche Kreditbank) is headquartered in DE and therefore falls under European law: the GDPR, NIS2 and the Data Act. No foreign legislation can compel access to your data.

Data is hosted exclusively in the EU, so DKB (Deutsche Kreditbank) scores best on data residency.

DKB (Deutsche Kreditbank) is closed source and hosted by the vendor. The encryption keys and the runtime sit with the vendor and switching requires data migration. Ask about bring-your-own-key, export options and open standards.

What this means for your organisation depends on your whole stack and context. The free assessment weighs DKB (Deutsche Kreditbank) together with your other vendors and gives a total score, a heatmap and the main risk drivers.

Frequently asked questions

What is the best European alternative to DKB (Deutsche Kreditbank)?

It depends on your use case. Strong EU alternatives to DKB (Deutsche Kreditbank) include 1822direkt, ActivoBank and Air Bank. On this page you can compare 8 EU alternatives by jurisdiction, data residency and open-source status.

Are there open-source alternatives to DKB (Deutsche Kreditbank)?

Our list of EU alternatives to DKB (Deutsche Kreditbank) is mostly commercial options. Browse the category on the map for open-source choices.

Is DKB (Deutsche Kreditbank) GDPR-compliant and where is the data hosted?

DKB (Deutsche Kreditbank) is headquartered in DE (EU) and hosts data in EU. That makes DKB (Deutsche Kreditbank) an EU-sovereign choice in its own right; the EU alternatives on this page are comparable European tools.

Details and sources

Verified by handHeadquarters, owner, hosting locations and licence have been checked by us against public sources. Free of charge and for every vendor, not a paid label. Nothing in this knowledge base is taken over automatically. Last checked on October 10, 2026.

Sources

Public sources used in the latest check of this record.

Compliance evidence

The links below point to the vendor's own public documents. We only record what we found: a missing link means "not found publicly", not "not compliant".

No public compliance evidence has been recorded for this vendor yet. Do you know its DPA or subprocessor list? Something wrong? Suggest a correction

Digital sovereignty in Fintech & Neobanks

Fintech & Neobanks: Digital banks, neobanks, money transfers and fintech services. In this category the choice of vendor determines who has legal access to your data, where that data lives and how easily you can switch later.

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8 European alternatives to DKB (Deutsche Kreditbank) — GDPR-compliant & EU-hosted · EU Sovereignty Score