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Fleet Calculator · TCO

TCO Calculator: Fuel Card vs. DKV InstantFuel

Compare the total cost of a classic fuel card with DKV InstantFuel in 30 seconds. Including card fees, transaction costs and administrative overhead — all values are editable.

Your fleet in 5 numbers

Pre-filled: typical values for a 5-driver fleet with diesel vehicles in Germany. Adjust to your situation — results update live.

Employees who fuel up regularly — include occasional drivers.

At ~25,000 km/year and a 50-litre tank that is roughly 6 fueling events.

Typical: 50–60 L for diesel vans, 35–45 L for passenger cars.

As of 2026: diesel avg. €1.75/L, gasoline E10 avg. €1.85/L (ADAC, May 2026).

Adjust advanced values (card fee, transaction fee, admin overhead)

DKV Card Climate: €3.90/month net. Other providers between €1.90 and €6.00.

Typical 0.5% to 1.2% with branded-station providers (UTA, DKV, Routex). Default 0.75%.

Manual receipt entry, expense review, tax-export prep. Default 8 min per receipt.

Full cost incl. social charges. Typically €35 to €60.

List price: €2.49 net. May vary for DKV direct customers.

Note: All values are processed locally in your browser only. Nothing is sent to our servers.

Result: Total cost per month

Classic fuel card
DKV InstantFuel
Your savings with DKV InstantFuel

Cost breakdown

Item Classic fuel card DKV InstantFuel
Card / licence fees
Transaction fees 0,00 €
Receipt processing (labour) 0,00 €
Total per month

Indicative example calculation. Actual cost depends on your DKV contract, payment provider, and internal processes. Not tax or legal advice.

How we calculate

The TCO calculator compares two real cost blocks: everything the classic fuel card costs on top of the pure fuel price, versus the flat-rate price of DKV InstantFuel. The fuel price itself is left out — it is identical in both models.

Classic fuel card — three cost blocks

  • Card base fee per card per month. DKV currently charges €3.90 net for the Card Climate; other providers between €1.90 and €6.00.
  • Transaction fee as a percentage of revenue. Typically 0.5% to 1.2% with branded-station providers — the exact rate is in your master agreement.
  • Labour cost for receipt processing: expense review, manual DATEV prep, corrections. Studies (Heilbronn University, 2024) estimate 6–12 min per receipt.

DKV InstantFuel — one cost block

  • Flat rate €2.49 net per driver per month — no transaction fees, no card logistics.
  • Receipts flow digitally to the dashboard and are ready for DATEV export — no manual receipt entry required.
  • Bring Your Own Credit Card: pay directly with your corporate credit card; no DKV credit line, no consolidated invoice.

Sources and assumptions

  • Card fee €3.90/month: DKV Card Climate, 2026 price sheet (DKV Mobility SE).
  • Fuel price defaults: ADAC fuel price monitor, May 2026 (diesel €1.75/L, gasoline E10 €1.85/L).
  • Receipt-processing duration: study „Digitalisation potentials in expense reporting“, Heilbronn University 2024.