Deutsche Bank Aktiengesellschaft (Deutsche Bank) is a pioneer in global financial markets, with a "innovation-led, global service" philosophy that has demonstrated excellence in investment banking, retail banking, wealth management and sustainable finance. Founded in Berlin on March 10, 1870, by entrepreneurs such as Georg von Siemens, the founder of Siemens, to support the development of industry and trade in Germany. Headquartered in the iconic Atrium Tower at Taunusanlage 12 in Frankfurt, Germany, Deutsche Bank is a leader in the German and global financial markets as a publicly traded company on the Frankfurt Stock Exchange (ticker symbol: DBK) and the New York Stock Exchange (ticker symbol: DB), serving more than 20 million customers and operating in 58 countries.
Basic Bank Information
Deutsche Bank is a commercial bank, privately owned, founded in 1870 and headquartered in Frankfurt, Germany. The bank merged with Disconto-Gesellschaft in 1929, changed its name to Deutsche Bank AG in 1937, acquired Bankers Trust in 1998, and acquired Deutsche Postbank in 2010, significantly expanding its global presence. Major shareholders include institutional investors (e.g., BlackRock, Saudi National Bank) and public shareholders, and the holding structure operates as an independent company. Deutsche Bank AG is a joint-stock company incorporated under the laws of the Federal Republic of Germany ('Aktiengesellschaft') with its headquarters in Frankfurt am Main. It is registered with the District Court of Frankfurt am Main ('Amtsgericht') under registration number HRB 30 000 and is licensed to operate banking and provide financial services. Its supervisory authorities are the European Central Bank ('ECB') at Sonnemannstrasse 22, 60314 Frankfurt am Main and the German Federal Financial Supervisory Authority (Bundesanstalt für Finanzdienstleistungsaufsicht) ('BaFin') (contact address: Marie-Curie-Str. 24-28, 60439 Frankfurt am Main) and the Prudential Regulation Authority ('PRA') at 20 Moorgate, London, EC2R 6DA.
it Regulation of ECBs and BaFins. It is authorised by the Prudential Regulation Authority ". It is regulated by the Financial Conduct Authority(contact address: 12 Endeavour Square, London E20 1JN) and limited supervision of the Prudential Regulation Authority. Details of the extent to which banks are authorised and supervised by the Prudential Regulation Authority are available upon request or to https://www.db.com/disclosures request.
DB Frankfurt's VAT identification number is DE 114 103 379.
DB London is listed on the UK Financial Services Register with company reference number 150018. The VAT registration number of Deutsche Bank AG London is GB 243 6097 61.
Deposits & Loans
deposits
Deutsche Bank offers a wide range of deposit products for individuals, businesses and institutional clients:
demand deposits: including checking accounts and savings accounts, such as "Deutsche Private Bank Account", with a minimum account opening amount of 1,000 euros and a base annualized rate of return (APY) of about 0.01%-0.2%, the latest interest rate needs to be confirmed through branch or online banking. The account supports flexible deposits and withdrawals, which is suitable for daily money management.
Fixed deposits: 12 currencies such as EUR, USD, CNY, etc., with deposit terms ranging from 1 month to 5 years, and the minimum deposit amount is 5,000 euros. In 2025, the interest rate on fixed deposits can reach up to 1.5% (12 months, with a deposit amount of less than 1 million euros), which can be queried through online banking.
Featured products:
High-yield savings accounts: such as the "Deutsche Preferred Savings Account", which offers an annualized interest rate of up to 1.2%, requires maintaining a balance of more than €100,000, and no monthly fees.
Large Certificates of Deposit (CD): Support flexible tenor, suitable for large amount of money customers, the interest rate needs to be queried through the branch or app, and the early withdrawal penalty is 90 to 180 days of interest.
Customers can check interest rates through the "db OnlineBanking" or "MyBank" app, deposit products can be opened instantly and interest rates can be calculated, and some accounts offer free transaction fees.
Loans
Deutsche Bank offers a comprehensive range of loan products to meet diverse financing needs:
Mortgages: Fixed- and variable-rate mortgages are available for up to 80% of the value of the property and are repaid over a period of up to 30 years. In 2025, the fixed interest rate will be as low as 1.0% (3-year), the floating rate will be based on Euribor (about 2.5%), and cash rebates will be provided, and the application will require a credit score of 700 or more and an annual income of more than 50,000 euros.
Car loans: New and used car financing is supported with a loan amount of up to 500,000 euros, a term of up to 7 years, an annualized interest rate (APR) as low as 1.8%, and a credit score of 660 or more.
Personal Line of Credit: includes Deutsche Personal Loan (APR as low as 3.5% and amount up to €1 million) and asset-backed overdraft (up to 95% of the market value of the collateral), with a monthly salary of at least €50,000 and a good credit history.
Flexible repayment options: Mortgages and personal loans offer no penalty for early repayment, monthly or bi-weekly payment plans, and a revolving line of credit for flexible debt management.
All loans are subject to bank approval, and customers are required to provide credit history, proof of income and asset information, subject to the terms of the loan agreement. The bank's corporate lending services (e.g. trade finance, M&A loans) provide additional support to multinational companies.
Digital service experience
Deutsche Bank's mobile banking app "MyBank" and online banking platform "db OnlineBanking" are the core of its digital services, which are available for download on iOS 14.0 and above and Android 9.0 and above devices, with an App Store rating of about 4.6, Google The Play rating is around 4.4, with users praising its quick launch (within 2 seconds) and intuitive interface (MyBank app). Core features include:
Face recognition: supports biometric authentication (such as Face ID and Touch ID), combined with strong encryption technology to ensure transaction security.
Real-time transfer: Support instant transfer in euros through SEPA and SWIFT, with a daily limit of up to 1 million euros, international remittances covering more than 100 countries, and instant settlement in RMB in the Asia-Pacific region.
Bill management: Support online bill payment, automatic deduction and e-statement, and classify transaction records in real time.
Investment Tool Integration: Support stocks, funds, bonds and derivatives trading through the Deutsche Invest platform, providing real-time market data and investment advisory services.
The online banking platform "db OnlineBanking" supports multiple browsers and provides similar functions, allowing customers to open an account in 5 minutes through the app or official website. The app supports accessibility features such as dynamic font adjustment and VoiceOver compatibility for visually impaired and hearing-impaired customers. In 2023, 65% of customers complete transactions through digital platforms, significantly improving the user experience.
Technological innovation
Deutsche Bank is actively exploring and promoting digital transformation in the field of fintech:
AI customer service: Introduce an AI-driven customer service system to analyze transaction behavior and detect fraud risks in real time, automate 85% of customer inquiries by 2023, and plan to launch a virtual assistant in 2025 to support 24/7 inquiries and personalized financial advice.
Robo-advisor: Provide AI-based investment management services through the Deutsche Wealth management platform, recommend diversified portfolios according to customer risk appetite, with a minimum investment of 10,000 euros and no subscription fees.
Open Banking API Support: Compliant with the EU Open Banking Standard (PSD2), integration with third-party service providers, account management and financial services interoperability, and support for 35 enterprise financial services APIs by 2024.
Other innovations: support for blockchain technology for trade finance and simplification of the letter of credit process; Partnering with AWS to optimize the cloud-based trading system; Launched a quantum computing pilot project to explore financial market forecasting.
Featured Services & Differentiation
Deutsche Bank is known for its global investment banking and sustainable financial services:
Investment Banking: Through Fixed Income & Money (FIC), M&A advisory and equity underwriting services for the world's top 500 companies and financial institutions, ranking among the top five global M&A deals in 2023.
Sustainable Finance: China has taken the lead in launching green bonds and sustainability-linked loans, and issued 10 billion euros of green bonds in 2023 to support low-carbon projects and respond to the United Nations Principles for Responsible Banking.
SME support: Customized loans and transaction banking services through corporate banking, with €50 billion in financing for SMEs in Europe in 2023.
Wealth management: providing family office, trust and portfolio management services to high-net-worth clients, with approximately €500 billion in assets under management in 2023.
International layout: The business covers Europe, the Americas, the Asia-Pacific region and the Middle East, with the Asia-Pacific region accounting for 13.5% of the world's revenue, focusing on serving the markets along the "Belt and Road".
Market Position and Accolades
Deutsche Bank is the largest bank in Germany, with total assets of about 1.3 trillion euros and net income of about 30 billion euros in 2024, ranking among the top in the global financial market. With around 1,300 branches serving 20 million customers, the bank is a leader in investment banking and sustainable finance, with approximately €800 billion in assets under management in 2023. Despite challenges such as the LIBOR scandal in recent years, banks have rebuilt their competitiveness through restructuring and digital transformation. In 2024, Deutsche Bank won the Global Finance "Best Emerging Markets Bank" award, widely recognized for its innovation in fintech and green finance.
Conclusion
With more than 150 years of history, a global presence and innovative financial services, Deutsche Bank AG has become a giant in the German and global financial markets. It offers a wide range of deposit and loan products to meet the diverse needs of its customers. The digital service provides efficient real-time money transfer and investment management through "MyBank" and "db OnlineBanking". Technological innovations include AI customer service, robo-advisors, open banking APIs, and blockchain technology, demonstrating its forward-looking digital transformation. With its investment banking leadership, sustainable finance innovation and multiple industry accolades, Deutsche Bank continues to demonstrate strong competitiveness and influence in the global financial markets.
Note:
specific interest rates and product details may vary depending on market changes, please check Deutsche Bank's website or check with the bank directly for the latest information.
The above information is based on 2025 data, ensuring that it is current and accurate.
