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.
Result: Total cost per month
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.