Deutsche Bank — db Classic Visa db Classic Visa
A plan byDeutsche Bank — db Classic Visa · Visa
The db Classic Visa is the entry credit card of Deutsche Bank S.p.A. (German Deutsche Bank group), reserved for account holders. List annual fee €55 (often −30% on promo, about €38), Visa network, base credit limit €1,600. It can be used as a charge card — single end-of-month debit, no interest — or by instalments/revolving, an option that triggers an indicative APR of 21–23% to be checked on the information sheet. The foreign-exchange fee is 1.75%, lower than many premium cards; cash withdrawals cost 4% (min €2.50). The higher db Gold Visa has a list fee of €105/year (about €75 on promo) and a €5,000 limit.
db Classic Visa
- Price
- Free
What's included
- List fee €55/year (−30% promo ≈ €38)
- Visa network · base limit €1,600
- Full balance (no interest) or instalment/revolving
- FX 1.75% · withdrawal 4% (min €2.50)
- Reserved for Deutsche Bank account holders
Data & conditions
| Network | Visa |
|---|---|
| Card type | Revolving credit |
| Backing | Unsecured |
| APR | 23% (variable) |
| Credit limit | €1,600 |
| Issuing bank | Deutsche Bank S.p.A. |
| Issuance fee | Free |
| Annual fee | Free |
| ATM withdrawal | 4% |
| FX markup | 1.75% |
| Cashback | Not disclosed |
| Contactless | Yes |
| KYC | Full |
| Privacy | 2/10 |
| Supported countries | EEA · 1+ countries |
| Funding / solidity | Deutsche Bank S.p.A. · filiale italiana del gruppo tedesco Deutsche Bank |
| Regulator | Banca d'Italia / BCE |
| Segment | B2C |
| Funding / solidity | Deutsche Bank S.p.A. · Italian subsidiary of the German Deutsche Bank group |
| MiCA / License status | Banca (Deutsche Bank S.p.A., iscritta all'albo delle banche) Bank (IT) |
Strengths
- Charged as a full balance it generates no interest: single end-of-month debit
- 1.75% foreign-exchange fee, lower than many cards (Amex 2.5%)
- Visa network with universal acceptance; contactless
- Recurring −30% promo on the fee (Classic ~€38, Gold ~€75)
- No notable sovereignty advantage documented.
Weaknesses
- Reserved for Deutsche Bank account holders: a DB account is required
- Expensive instalment/revolving option: indicative APR 21–23% (check the information sheet)
- List fee €55/year (Classic) with no cashback or included points programme
- Cash withdrawal 4% (min €2.50); modest base limit (€1,600)
- Traditional credit card: not self-custody — the account requires full KYC, a credit check, and can be closed or reported to credit bureaus by the issuer.
- Full KYC required: verified identity, zero pseudonymity.
- Funds can be frozen at the platform’s discretion.
- Subject to regulation (Bank (IT)): reporting to authorities and freezes on order.
- FATF-aligned jurisdiction: strong cooperation with authorities.
Verdict
The db Classic Visa is a classic bank credit card of the 'charge with instalment option' type: used correctly — as a full balance — it charges no interest and has a below-average FX fee (1.75%), which makes it reasonable for those who already hold a Deutsche Bank account. The rating stays average (3.2/C) because it is tied to the DB account, offers no cashback and its instalment/revolving option is expensive (21–23% APR): that is where the cost of credit bites. The €55 list fee (Gold €105) is average; the recurring −30% promo makes it more attractive. Worth considering as an operating card if you are already a customer, not as a tool to pay in instalments.
A credit card is a credit line, not custody of funds: there is neither self-custody nor a user balance. It is a fully tracked and censorable instrument — full KYC, an Italian bank issuer of the Deutsche Bank (Germany) group that profiles transactions and can suspend the line at its discretion. On the sovereignty lens it is the opposite of trustless tools: no anonymity, no censorship resistance.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
FAQ
How much does the db Classic Visa cost?
The list fee is €55/year, often cut 30% on promo (about €38). There is no issuance cost; additional cards are charged separately. The db Gold Visa version has a list fee of €105/year.
What interest do you pay?
Used as a full balance you pay no interest (single end-of-month debit). If you choose instalment/revolving repayment an indicative APR of 21–23% applies, to be confirmed on the card's information sheet.
Sources
- Official service page Data verified on Jul 12, 2026
- anee.it Data verified on Jul 12, 2026