Deutsche Bank — db Classic Visa db Classic Visa
A plan by Deutsche Bank — db Classic Visa · Visa
Data verified on unchanged since the sources
Worth it if you're a Deutsche Bank account holder and use it as a charge card: no interest, 1.75% FX lower than many cards, often with a −30% fee promo.
Avoid it if you use the instalment/revolving option (indicative APR 21–23%) or want cashback: the list fee is €55/year with no perks included.
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%; the exact figure is stated only in 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.
Reputation
What happened to people who used Deutsche Bank — db Classic Visa, and what users say. External signals: they do not feed the promp.it rating.
Incidents & regulatory actions
Notable incidentsDocumented events with consequences still open. Each entry carries a source and a date.
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Regulatory action Minor ● open
Italian data protection authority: 20,000 euro fine on Deutsche Bank S.p.A. for failing to answer a customer's request to access their own data (Articles 12(3) and 15 GDPR)
By injunction order no. 226 of 16 June 2022 the Italian data protection authority (Garante) fined Deutsche Bank S.p.A. (Milan) 20,000 euro. The established fact: a request to access their own data, filed by a customer on 13 July 2020 and sent by certified email, received no reply either “without undue delay and in any event at the latest within one month” of receipt, or by way of a communication of the reasons for non-compliance within the required time. Articles 12(3) and 15 GDPR were found to be breached. The bank's two defences were both rejected, and that is the instructive part of the decision: the fact that the request sat inside a longer, broader complaint does not make it invisible — the Garante found it clearly formulated and properly delivered; and the claim that the information was “already known” to the customer does not remove the obligation, because the right of access also serves to verify that the data are accurate. ⚠️ What this fact is NOT: it is not a data leak, no customer's data left the bank. It is a national authority's sanction over how the rights of the people whose data it holds were handled: the reason it is recorded — at `minore` severity, since it concerns a single request and the amount is modest — is that it concerns the company, not one product, and therefore applies to every Deutsche Bank S.p.A. card. `risolto: false` with `in_corso: false`, i.e. “open” rather than “under way”: the order dates from 2022 and the open sources consulted do not say whether it was paid or challenged. We state the certain fact and the unverified outcome, instead of pretending to know.
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verified on
Public reviews
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App Store ↗
4.7/5
8,830 reviews
Rating of the «DB Le Mie Carte» app on the Italian storefront, read from Apple's public endpoint (exact value 4.67916 across 8,830). It is the app used to manage Deutsche Bank credit cards in Italy, so the closest proxy to the product on this page. It should be read alongside the Android score of the «La Mia Banca» home-banking app, which sits at 2.64: the bank's overall digital experience is far worse than the cards app alone suggests.
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Google Play ↗
4.5/5
6,581 reviews
Value taken from the Play listing's structured data (4.5221 across 6,581), not from the rounded label. Same Italian-market cards app; the store lists the developer as «Deutsche Bank AG», but the product is Deutsche Bank S.p.A.'s and not the German «Deutsche Bank Mobile» app.
Weighted average across 2 public review platforms (15,411 reviews in total), weighted by volume. This is not our rating: it is those platforms’ average.
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: the exact figure is stated in the card's information sheet.
Sources
- Official service page Data verified on Jul 12, 2026
- anee.it Data verified on Jul 12, 2026