Deutsche Postbank

What Deutsche Postbank does

Deutsche Postbank is a large full-service retail bank headquartered in Bonn, Germany, operating as a branch (Niederlassung) of Deutsche Bank AG. Founded in 1990, the bank serves German retail customers (Privatkunden) as its primary segment, with additional offerings for business (Geschäftskunden) and corporate (Firmenkunden) clients. Postbank distributes its products through a hybrid model that combines digital self-service channels — including the Postbank App, Online-Banking portal, and the BestSign two-factor authentication system — with a nationwide physical branch network, Deutsche Post partner branches, and regional advisory centers offering video and telephone consultation.

The bank's core product portfolio spans current accounts (Girokonto variants including the digital-only Giro pur, Giro plus, and Giro extra plus), savings products (Tagesgeld with 3.2% promotional rate, Zinssparen fixed-term deposits), consumer lending (Privatkredit, Autokredit), real estate financing (Baufinanzierung, BHW Bausparen), and investment products (Wertpapierdepot, ETF-Sparplan with 0 EUR transaction fees on 470+ ETFs, Fondssparplan). Supplementary offerings include insurance distribution, retirement planning (Altersvorsorge), and identity verification services (WebID video chat, POSTIDENT). The technology stack features proprietary BestSign security, the QR-code-based Bargeld-Code cash access system available at 12,500+ retail locations, and mobile payment support for Apple Pay, Google Pay, Samsung Pay, and Wero.

Postbank generates revenue through a diversified mix of account maintenance fees (0-5.90 EUR/month), interest income from overdraft facilities and consumer/mortgage lending, transaction fees, card fees, securities brokerage commissions, ETF/fund distribution charges, and insurance product commissions. The bank's distribution leverages the Cash Group ATM alliance (Deutsche Bank, Commerzbank, HypoVereinsbank) providing 7,000+ free ATMs, alongside partnerships with Deutsche Post DHL for parcel services and Live Nation/Ticketmaster for lifestyle benefits. As a wholly-owned subsidiary branch of Deutsche Bank AG, Postbank's financials are consolidated at the parent level, and the bank is not independently publicly traded.

Name

Deutsche Postbank

Legal name

Postbank – eine Niederlassung der Deutsche Bank AG

Website

https://postbank.de

Company type

Private

Founded year

1990

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

Deutsche Postbank is a large German retail bank, operating as a branch of Deutsche Bank AG, serving individual and business customers with current accounts, savings, loans, investments, insurance, and mortgage products through a hybrid digital-branch distribution model across Germany.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Depository Credit Intermediation (5221), Savings Institutions and Other Depository Credit Intermediation (522180)

SIC

National Commercial Banks (6021)

akta.pro primary industry

Digital Banking & Neobank Platforms (BPAMAFAD)

akta.pro secondary industry

Customer Experience & Engagement (CRM, Support, Rewards, Loyalty) (FSAGAAAM)

Keywords

• Retail banking services
• Consumer lending products
• Savings and investments
• Mortgage financing
• Digital banking platform

Headquarters

HQ city

Bonn

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Account Maintenance Fees: Monthly account fees for Girokonto products ranging from 0 to 5.90 EUR depending on account type and minimum deposit requirements
2. Interest Income: Interest revenue from credit products including overdraft facilities (10.79% p.a. Dispo, 12.60% p.a. geduldete Überziehung), personal loans, auto loans, and mortgage financing
3. Transaction Fees: Fees for paper-based transfers (6.00 EUR per transaction), telephone banking (6.00 EUR per transaction), and other banking services
4. Card Fees: Annual fees for credit cards (Postbank Mastercard at 29.00 EUR/year) and supplementary cards (6.00 EUR/year)
5. Investment Products: Revenue from securities brokerage, ETF trading, fund distribution (up to 1.50% issuance charge), and portfolio management services
6. Insurance Products: Commissions from insurance product distribution including life, property, and financial protection products

Pricing tiers

Distribution channels6 records

Marketing channels8 records

Core offering

Deutsche Postbank is a full-service German retail bank operating as a branch of Deutsche Bank AG. It provides checking accounts (Girokonto variants), savings products (Tagesgeld, Zinssparen), consumer credit (Privatkredit, Autokredit), mortgage financing (Baufinanzierung, BHW Bausparen), securities and investment products (ETF-Sparplan, Fondssparplan), and insurance/retirement products, distributed through a hybrid channel mix of mobile/online banking, telephone banking, and a nationwide branch network.

Product overview

Deutsche Postbank operates as a retail banking division of Deutsche Bank AG, offering a comprehensive suite of banking products through digital channels (Online-Banking, Postbank App), telephone banking, and a nationwide branch network. The core product portfolio centers on checking and savings accounts (Girokonto variants, Tagesgeld, Zinssparen), consumer lending (Privatkredit, Autokredit, Baufinanzierung), and investment products (Wertpapiere, ETF-Sparplan, Fondssparplan, Wertpapierdepot). Supplementary offerings include insurance and retirement planning (Versicherungen, Altersvorsorge, Bausparen via BHW), digital banking services (BestSign security, Postbank App, Bargeld-Code), and customer loyalty programs (Vorteilswelt, Club-Tickets with Ticketmaster/Live Nation). The bank integrates with major mobile payment platforms (Apple Pay, Google Pay, Samsung Pay, Wero) and offers identity verification through WebID video chat and POSTIDENT at Deutsche Post branches.

Differentiator

Problem solved

Functional benefit

Products and services

• Postbank Girokonto Current account products including Giro pur (online, free with 900 EUR monthly income), Giro plus (flexible), Giro extra plus (premium), and Giro start direkt (for under 26s), providing checking, transfers, direct deposits, debit card access, and BestSign security.
• Postbank Kreditkarten Credit card offering including Postbank Mastercard at 29.00 EUR/year fee, accepted worldwide for contactless payments and online transactions, with support for mobile wallets.
• Postbank Privatkredit Personal loan product for flexible consumer financing needs, with award-winning online service (ntv-Ratenkredit erster Platz 2020).
• Postbank Autokredit Specialized vehicle financing loan for purchasing new or used automobiles, available to German retail customers.
• Postbank Tagesgeld Day money savings account with variable interest (0.75% p.a. standard) and promotional rates (3.2% p.a. for 6 months on new deposits), funds accessible at any time without notice period.
• Postbank Zinssparen Fixed-term savings product with guaranteed interest rates (2.7% p.a. for 12 months new money; 2.25-2.70% p.a. for existing funds), minimum 2,500 EUR, maximum 250,000 EUR, three-month notice period.
• Postbank Wertpapiere Securities and investment products including stocks, bonds, ETFs, and investment funds with a custody account (Wertpapierdepot).
• Postbank ETF-Sparplan ETF savings plan offering 0.00 EUR transaction fees for 470+ plan-eligible ETFs from iShares, Xtrackers, Amundi, and Vanguard, starting from 25 EUR monthly with monthly, bi-monthly, or quarterly execution.
• Postbank Fondssparplan Mutual fund savings plan from 50 EUR monthly with up to 1.50% issuing charge for online orders, covering a broad fund spectrum including sustainable investment options.
• Postbank Baufinanzierung Real estate financing product including new property purchase, follow-up financing (Anschlussfinanzierung), and refinancing solutions for German retail customers.
• BHW Bausparen Building society savings product for systematic property savings with state subsidies, offered through BHW Bausparkasse.
• Postbank Versicherungen Insurance products including coverage for property, liability, legal protection, and other risk coverage, distributed to retail customers.
• Postbank Altersvorsorge Retirement planning products including private pension schemes and supplementary retirement insurance.
• Postbank App Mobile banking application for Android and iOS providing account overview, transfers, BestSign authentication, Bargeld-Code generation, and investment access.
• Postbank Online-Banking Web-based banking platform for account management, transfers, securities trading, and document access.
• BestSign TUV-certified mobile security application for transaction authorization via fingerprint, Face ID, or password; integrated into Postbank App for convenient and secure authentication.
• Postbank Bargeld-Code Cash code feature enabling cash deposits and withdrawals at over 12,500 retail locations without ATM or card; uses smartphone app with barcode generation.
• Postbank Telefon-Banking Telephone banking service for account inquiries, transfers, and transactions via voice computer or customer service agent.
• Postbank Giro pur Online current account product with 0.00 EUR monthly fee (with 900 EUR monthly income and digital usage), 50% discount on Live Nation concerts via Club-Tickets, BestSign security, mobile payment integration (Apple Pay, Google Pay, Samsung Pay), and up to 3 Pockets sub-accounts.

Quantifiable outcome

• Free current account with 900 EUR monthly income requirement
• +3 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

Feature7 records

Partnerships

Nine partnerships are on record, tiered core and minor.

• Deutsche Post DHLcoreChannel Partner/ Reseller/ DistributorDeutsche Post serves as a key distribution channel for Postbank, offering banking services at partner branches including cash withdrawals and account services. This partnership leverages Deutsche Post's extensive retail network across Germany.
• Cash Group (Deutsche Bank, Commerzbank, HypoVereinsbank)coreChannel Partner/ Reseller/ DistributorCash Group alliance provides Postbank customers with free cash withdrawals at over 7,000 ATMs across the partner banks' network, enhancing customer convenience and accessibility.
• Live NationminorGTM or Marketing PartnerLive Nation partnership provides Postbank Giro pur customers with 50% discount on over 500 club concerts annually through postbankclubtickets.de platform.
• TicketmasterminorGTM or Marketing PartnerTicketmaster integration enables Postbank Club-Tickets customers to purchase concert tickets at discounted rates through the platform.
• DHL (Deutsche Post DHL)minorChannel Partner/ Reseller/ DistributorDHL Packstation network (6,000+ locations) allows Postbank customers to send and receive packages, integrating postal services with banking platform.
• cadooz GmbHminorGTM or Marketing Partnercadooz provides BestChoice gift vouchers as promotional incentives for Zinssparen customers meeting minimum deposit requirements during promotional periods.
• Apple Pay, Google Pay, Samsung PaycoreTechnology or IntegrationMobile payment platform integrations enabling Postbank customers to make contactless payments with their smartphones at any Mastercard accepting merchant.
• Wero (European Payment Initiative)coreTechnology or IntegrationWero payment solution supported by Postbank for instant peer-to-peer and merchant payments as part of the European Payment Initiative.
• WebID Solutions GmbHcoreTechnology or IntegrationVideo identification partner enabling Postbank customers to complete identity verification online via video chat for account opening and product applications.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• DKB (Deutsche Kreditbank): Direct bank and subsidiary of BayernLB offering retail current accounts, savings, brokerage, and consumer loans via digital channels. Comparable to Postbank on retail product breadth, customer segmentation, and digital-led distribution within Germany.
• HypoVereinsbank (UniCredit Bank): German subsidiary of UniCredit offering retail banking, mortgages, and wealth management with a significant branch footprint. Direct retail banking competitor in Germany and fellow Cash Group partner alongside Postbank.
• Sparkasse (Sparkassen-Finanzgruppe): Public-sector group of German savings banks with deep nationwide local presence and dominant retail deposit franchise. Largest direct competitor to Postbank in German retail banking, particularly for deposits and local-customer relationships.
• Volksbanken Raiffeisenbanken (DZ Bank Group): Cooperative banking group with extensive local branch network across Germany providing retail banking, mortgages, and insurance. Comparable to Postbank in scale of retail customer base and product breadth within Germany.
• ING Germany (ING-DiBa): One of Germany's largest direct retail banks offering Girokonto, savings, investment products, and consumer loans via digital and phone channels. Directly comparable to Postbank on retail product mix and digital-led distribution; competes head-to-head for German retail customers.
• Targobank: German retail bank (subsidiary of Crédit Mutuel) providing current accounts, deposits, consumer loans, and mortgages via hybrid online-plus-branch distribution. Competes with Postbank for similar German retail and small-business customers.
• Santander Consumer Bank Germany: German subsidiary of Santander offering retail current accounts, consumer credit (Auto, Konsumentenkredite), and online banking. Direct competitor to Postbank Privatkredit, Autokredit, and Girokonto in the German retail lending and deposit market.
• Commerzbank: German universal bank with a strong retail franchise (Commerzbank, norisbank) offering Girokonto, mortgages, and investment products. Direct competitor in German retail banking; both sit inside the Cash Group ATM network alongside Postbank.

Emerging players

• Trade Republic: Berlin-based neobroker offering commission-free securities trading, savings plans, and now retail banking via partner banks. Direct competitor to Postbank Wertpapierdepot and ETF-Sparplan offerings among price-sensitive German retail investors.
• N26: Berlin-based digital-only challenger bank offering current accounts, savings, and investment products via mobile app. Comparable to Postbank's retail-banking product set but competes on digital UX, lower fees, and mobile-first experience against Postbank's hybrid model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/postbank
• Facebookfacebook.com/postbank
• Instagraminstagram.com/postbankkarriere

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Deutsche Postbank