Vergleich der Banken DKB und N26 für Unternehmen: Übersicht über Möglichkeiten und Servicebedingungen

Tariff Plans for Business with DKB

DKB Business Basic

Cost: Free

Key Features:

• Basic banking services.
• Free card payments.
• Three free cash withdrawals in the Eurozone per month.
• Account management for small businesses.

DKB Business Classic

Cost: €10/month

Key Features:

• All Basic features.
• 0.2% cashback on all card purchases.
• Up to 5 sub-accounts for financial management.
• Export transactions for accounting and tax reporting.

DKB Business Pro

Cost: €20/month

Key Features:

• All Classic features.
• Unlimited cash withdrawals in the Eurozone.
• International transfers with no fees.
• Priority customer support.

DKB Business Premium

Cost: €30/month

Key Features:

• All Pro features.
• Premium customer support.
• Extended features for managing large teams.
• Premium services.

Tariff Plans for Freelancers with DKB

DKB Freelancer Standard

Cost: Free

Key Features:

• 0.2% cashback on all card purchases.
• Three free cash withdrawals in the Eurozone per month.
• Ability to export transactions for accounting and tax reporting.
• Use of sub-accounts for financial management.

DKB Freelancer Smart

Cost: €5/month

Key Features:

• All Standard features.
• Up to 10 sub-accounts for separating business and personal funds.
• Unlimited cash withdrawals in the Eurozone.
• Phone support for customers.

DKB Freelancer Pro

Cost: €10/month

Key Features:

• All Smart features.
• Free cash withdrawals worldwide.
• Comprehensive travel insurance, including flight and baggage delay.
• Liability and health insurance.

DKB Freelancer Premium

Cost: €15/month

Key Features:

• All Pro features.
• 0.5% cashback on all card purchases.
• Premium card.
• Extended insurance (including purchase protection and smartphone insurance).
• Priority customer support.

Recommendations

• For beginner freelancers: DKB Freelancer Standard offers all basic features for free, making it an excellent choice for beginners.
• For businesses with extensive financial management needs: DKB Freelancer Smart provides advanced financial management features and unlimited cash withdrawals in the Eurozone.
• For international businesses: DKB Freelancer Pro offers free cash withdrawals worldwide and comprehensive insurance, making it ideal for frequent travelers.
• For premium clients: DKB Freelancer Premium provides maximum benefits, including high cashback and priority support, making it the best choice for businesses seeking maximum security and convenience.

Tariff Plans for Business with N26

N26 Business Basic

Cost: Free

Key Features:

• Basic banking services.
• Free card payments.
• Three free cash withdrawals in the Eurozone per month.
• Ability to use sub-accounts (Spaces) for managing funds.

N26 Business Standard

Cost: €9/month

Key Features:

• All Basic features.
• 0.1% cashback on all card purchases.
• Up to 10 sub-accounts (Spaces) for financial management.
• Export transactions for accounting and tax reporting.

N26 Business Pro

Cost: €19/month

Key Features:

• All Standard features.
• Unlimited cash withdrawals in the Eurozone.
• International transfers with no fees.
• Priority customer support.

N26 Business Premium

Cost: €29/month

Key Features:

• All Pro features.
• Premium customer support.
• Extended features for managing large teams.
• Premium services.

Tariff Plans for Freelancers with N26

N26 Business Standard

Cost: Free

Key Features:

• 0.1% cashback on all card purchases.
• Three free cash withdrawals in the Eurozone per month.
• Ability to export transactions for accounting and tax reporting.
• Use of sub-accounts (Spaces) for financial management.

N26 Business Smart

Cost: €4.90/month

Key Features:

• All Standard features.
• Up to 10 sub-accounts (Spaces) for separating business and personal funds.
• Unlimited cash withdrawals in the Eurozone.
• Phone support for customers.

N26 Business You

Cost: €9.90/month

Key Features:

• All Smart features.
• Free cash withdrawals worldwide.
• Comprehensive travel insurance, including flight and baggage delay.
• Liability and health insurance.

N26 Business Metal

Cost: €16.90/month

Key Features:

• All You features.
• 0.5% cashback on all card purchases.
• Premium metal card.
• Extended insurance (including purchase protection and smartphone insurance).
• Priority customer support.

Recommendations for Tariff Plans

For small businesses:

DKB Business Basic and N26 Business Basic offer essential banking services for free, making them great choices for beginners.

For small businesses with additional needs:

DKB Business Classic offers 0.2% cashback and expanded financial management options for €10/month, while N26 Business Standard provides 0.1% cashback and up to 10 sub-accounts for €9/month.

For medium-sized businesses:

DKB Business Pro provides unlimited cash withdrawals, international transfers with no fees, and priority support for €20/month, while N26 Business Pro offers similar services for €19/month.

For businesses with large teams:

DKB Business Premium ensures maximum benefits and premium services for €30/month, making it ideal for managing large teams and complex operations.

For freelancers:

DKB Freelancer Standard and N26 Business Standard offer essential features for free, including cashback (0.2% with DKB and 0.1% with N26) and transaction exports, suitable for most freelancers.

For freelancers with additional needs:

DKB Freelancer Smart provides up to 10 sub-accounts and unlimited cash withdrawals in the Eurozone for €5/month, while N26 Business Smart offers similar services for €4.90/month.

For frequently traveling freelancers:

DKB Freelancer Pro includes free cash withdrawals worldwide and comprehensive travel insurance for €10/month, while N26 Business You offers similar services for €9.90/month.

For freelancers needing maximum protection:

DKB Freelancer Premium ensures 0.5% cashback, extended insurance, and a premium card for €15/month.

Comparison of Free Services

Cashback

• N26 Business Basic (business): No cashback.
• N26 Freelancer Standard: 0.1%
• DKB Business Basic: No cashback.
• DKB Freelancer Standard: 0.2%

Cash Withdrawals

• N26 Business Basic (business): Three free withdrawals in the Eurozone.
• N26 Freelancer Standard: Three free withdrawals in the Eurozone.
• DKB Business Basic: Three free withdrawals in the Eurozone.
• DKB Freelancer Standard: Three free withdrawals in the Eurozone.

Payments

• N26 Business Basic (business): Free card payments.
• N26 Freelancer Standard: Free card payments.
• DKB Business Basic: Free card payments.
• DKB Freelancer Standard: Free card payments.

Sub-accounts (Spaces)

• N26 Business Basic (business): Yes.
• N26 Freelancer Standard: Yes.
• DKB Business Basic: No.
• DKB Freelancer Standard: No.

Recommendations

For Freelancers:

• N26 Business Metal is an excellent choice due to cashback, free worldwide cash withdrawals, and additional features.
• DKB Freelancer Pro offers more financial management capabilities and support for international clients, making it ideal for those needing extended functions and support.

For Businesses:

• N26 Business Premium provides a good balance between cost and functionality.
• DKB Business Pro is a beneficial choice for companies with a high volume of international transactions, thanks to low fees, priority support, and expanded financial management features.

Comparison of Premium Services

N26 Business Metal (freelancers)

• Cost: 16.90 €/month
• Cashback: 0.5%
• Cash Withdrawals: Free worldwide
• Sub-accounts (Spaces): Yes
• Additional Features: Extended insurance

N26 Business Premium (business)

• Cost: 29 €/month
• Cashback: None
• Cash Withdrawals: Free worldwide
• Sub-accounts (Spaces): Yes
• Additional Features: Expanded team management functions

DKB Business Premium (business)

• Cost: 30 €/month
• Cashback: None
• Cash Withdrawals: Free worldwide
• Sub-accounts (Spaces): No
• Additional Features: Priority customer support, expanded team management functions

DKB Freelancer Premium (freelancers)

• Cost: 15 €/month
• Cashback: 0.5%
• Cash Withdrawals: Free worldwide
• Sub-accounts (Spaces): No
• Additional Features: Extended insurance, priority customer support

Recommendations

For Freelancers:

• N26 Business Metal is an excellent choice due to cashback, free worldwide cash withdrawals, and additional features.
• DKB Freelancer Premium offers high cashback, extended insurance, and priority support, making it an excellent choice for freelancers seeking maximum security and convenience.

For Businesses:

• N26 Business Premium provides a good balance between cost and functionality.
• DKB Business Premium is suitable for companies with special requirements and individual conditions, offering expanded functions for managing large teams and complex operations.

Ease and Speed of Opening an Account

Online Registration

Both banks, N26 and DKB, offer online registration through mobile and web applications.

Registration Time

The registration time for both banks is a few minutes.

Form Completion

Both banks require the completion of a form with information about the business and the owner.

Required Data and Documents

Both banks require identification and business registration documents.

Identification Procedure

N26 and DKB use photo identification or video identification.

Identification Time

Identification takes a few minutes for N26 and DKB.

Account Confirmation and Activation

Both N26 and DKB provide instant confirmation and account activation after identification.

Confirmation Notification

Both banks send a confirmation notification.

Receiving the Card

Both banks offer a physical card by mail and an immediate virtual card.

Platform Availability

Both banks support iOS, Android, and web platforms.

Recommendations

If account activation speed is a priority, both N26 and DKB can be excellent choices due to instant confirmation and activation.

Main Features and Business Capabilities

Account and Finance Management

• N26: Intuitive mobile and web application, support for up to 10 sub-accounts (Spaces).
• DKB: Convenient mobile and web application, account and financial operation management.

Cashback and Bonuses

• N26: 0.1% on all purchases (Standard and Smart), 0.5% (Metal). Loyalty programs.
• DKB: 0.2% on all card purchases for freelancers.

International Operations

• N26: Competitive transfer rates, multi-currency support, free payments in the Eurozone.
• DKB: Low commissions on international transfers, support for various currencies.

Security and Protection

• N26: Two-factor authentication, deposit protection up to 100,000 euros.
• DKB: Two-factor authentication, modern security protocols, deposit protection.

Customer Support

• N26: Multilingual support via chat and phone (for premium plans), online support center.
• DKB: Support via chat and phone, dedicated managers for premium clients.

Integrations and Automation

• N26: Integration with accounting systems, automatic payments.
• DKB: Support for integration with accounting systems, financial process automation.

Analytics and Reports

• N26: Built-in tools for expense analysis, report creation, data export.
• DKB: Advanced analytics and reporting tools, data export for accounting.

Premium Features

• N26: Metal card, extended insurance, priority support.
• DKB: Priority support, additional features for managing large teams, extended insurance services.

Recommendations

For Freelancers:

N26 Business Metal is an excellent choice due to cashback, free worldwide cash withdrawals, and additional features.

DKB Freelancer Premium offers high cashback, extended insurance, and priority support, making it an excellent choice for freelancers seeking maximum security and convenience.

For Businesses:

N26 Business Premium provides a good balance between cost and functionality.

DKB Business Premium is suitable for companies with special requirements and individual conditions, offering expanded features for managing large teams and complex operations.

Integration Capabilities with Other Services

Integration with Accounting Systems

• N26: Supports Xero, QuickBooks, DATEV; data export in CSV and PDF.
• DKB: Integration with DATEV, Lexware; data export in CSV, PDF, XML.

Integration with Financial Applications

• N26: Supports Apple Pay, Google Pay, Samsung Pay; integration with Stripe and PayPal.
• DKB: Supports Apple Pay, Google Pay; integration with PayPal, SEPA, and SWIFT.

Integration with Business Management Platforms

• N26: Integration with CRM systems (Salesforce); supports project management platforms (Trello, Asana).
• DKB: Integration with CRM systems (Salesforce, Microsoft Dynamics); supports project management platforms (Trello, Asana).

Integration with Analytics Tools

• N26: Built-in analytical tools; integration with external analytics platforms (Google Analytics, Tableau).
• DKB: Built-in analytical tools; integration with analytics systems (Power BI, Google Data Studio).

Process Automation

• N26: API access; integration with IFTTT and Zapier.
• DKB: API access; integration with Zapier, Microsoft Power Automate.

Recommendations

For businesses needing extensive data export capabilities and integration with various analytics and project management systems:

DKB is an excellent choice due to its support for multiple platforms and data export formats, as well as API availability for custom integrations.

For businesses requiring integration with various financial applications and process automation:

N26 might be the best choice due to its support for a wide range of payment systems such as Apple Pay and Google Pay, as well as integrations with popular CRM and accounting systems.

For companies seeking flexible solutions in accounting and process automation:

DKB offers integration with major accounting systems like DATEV and Lexware and provides powerful tools for automating financial operations using API and automation platforms like Zapier and Microsoft Power Automate.

Customer Service Quality for Business

Support Channels

• N26: Chat, phone (for premium users), online support center.
• DKB: Chat, phone, online support center, email.

Availability of Support

• N26: Support is available 24/7 for premium users; during business hours for standard users.
• DKB: Support is available during business hours, extended support hours for premium clients.

Response Time

• N26: Fast response through chat, especially for premium users.
• DKB: Fast response through chat and phone, especially for premium clients.

Online Support Center

• N26: Extensive knowledge base, FAQs, guides, and instructions available on the N26 website.
• DKB: Extensive knowledge base, FAQs, guides, and instructions available on the DKB website.

Personal Manager

• N26: Personal manager available for N26 Business Metal premium tariff users.
• DKB: Personal manager available for premium clients and large business clients.

Training Materials

• N26: Access to webinars, articles, and guides on using N26 functions and services.
• DKB: Access to webinars, articles, and guides on using DKB functions and services.

Recommendations

For businesses that need round-the-clock support:

N26 is an excellent choice due to its 24/7 support availability for premium users.

For businesses needing a personal manager:

DKB offers a personal manager for premium and large business clients, while N26 provides this service for premium tariff users.

For businesses requiring fast response times and multilingual support:

Both banks provide quality service, but N26 stands out with its 24/7 support for premium users and quick response through chat.

Currency Capabilities for Business

Multicurrency Accounts

• N26: Ability to open accounts in 19 different currencies for convenient international transactions and currency reserve management.
• DKB: Ability to open accounts in 10 different currencies, allowing efficient management of international operations.

Currency Exchange

• N26: Convenient currency exchange through the mobile app with a 0.5% transaction fee.
• DKB: Currency exchange through online banking with a 0.25% transaction fee, making it cost-effective for frequent transactions.

International Payments

• N26: Conducts international payments with minimal fees (0.3% of the transfer amount) and favorable rates, supporting SEPA and SWIFT transfers.
• DKB: International payments with a fixed fee of 0.4% of the transfer amount, supporting SEPA and SWIFT transfers.

Support for Various Currencies

• N26: Ability to conduct transactions in 19 different currencies, such as EUR, USD, GBP, CHF, JPY, and others.
• DKB: Ability to conduct transactions in 10 different currencies, including EUR, USD, GBP, CHF, and others.

Business Card

• N26: Business card supporting transactions in 19 different currencies.
• DKB: Business card supporting transactions in 10 different currencies, including EUR, USD, GBP, and CHF.

Recommendations

For businesses needing maximum multicurrency capability:

N26 is the best choice due to its support for 19 currencies, providing flexibility for international transactions.

For flexible currency exchange conditions:

DKB offers favorable currency exchange conditions with a low 0.25% fee, suitable for businesses frequently conducting currency exchanges.

For minimal fees on international payments:

N26 offers the lowest fees (0.3%), making it an excellent choice for businesses regularly making international transfers.

Advantages and Disadvantages

Advantages of N26

• Convenient and intuitive mobile and web applications.
• Multicurrency accounts (up to 19 currencies).
• Minimal fees on international transfers (0.3%).
• High level of data security and protection.
• 24/7 support for premium users.
• Option to have a personal manager for premium users.

Disadvantages of N26

• Limited support (only during business hours) for standard users.
• Lack of a cashback program.
• Limited number of supported currencies (19) compared to competitors.

Advantages of DKB

• Reliability and stability of a traditional bank with a long history.
• Low fees on international transfers (0.4%).
• Support for various financial products, including loans and investments.
• Wide network of ATMs for cash withdrawals.
• High level of data security and protection.
• Personal manager for premium and large business clients.

Disadvantages of DKB

• Limited support for multicurrency accounts (up to 10 currencies).
• Account opening procedures may take longer compared to online banks.
• Currency exchange fees may be higher than competitors (0.25% per transaction).
• Limited customer support hours for standard users.

Article Author: Patrick Möller