Updated October 13, 2026 · SumCue Editorial Team
Ameriabank vs BKM Bausparkasse Mainz
Ameriabank
Higher score in this comparison
BKM Bausparkasse Mainz
Ameriabank vs BKM Bausparkasse Mainz: the differences
| Compare | AmeriabankReviewSee alternativesSee alternatives | BKM Bausparkasse MainzReviewSee alternativesSee alternatives |
|---|---|---|
| Headline rate | Not confirmed | 0.75% |
| Rate type | Not confirmed | Fixed |
| Term | Not confirmed | 12 to 180 months |
| Minimum deposit | Not confirmed | €0 |
| Deposit protection | Not confirmed | EU DGS up to EUR 100,000 |
| Access terms | Not confirmed | maxTagesgeld: daily availability, no minimum investment, interest from the first euro |
| Monthly fee | Not confirmed | €0 |
Same on both: Account kind (Easy access).
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Key differences
- Founded is lower at Ameriabank: 1910 vs 1930.
- Support channels: only Ameriabank offers Help centre.
Our verdict on each
Ameriabank
For households managing everyday money in one place, Ameriabank brings together an easy-access account, a credit option and direct personal lending. It suits people who want flexible daily money management with borrowing choices and steady guidance through familiar contact routes to review decisions calmly.
BKM Bausparkasse Mainz
BKM Bausparkasse Mainz centres on Baufinanzierung, Bausparen and property purchase for households shaping a secure financial future. For planners who want personal dialogue and structured steps, it links housing finance, savings choice and renovation guidance in one place together clearly.
Score breakdown
| Area | Ameriabank | BKM Bausparkasse Mainz |
|---|---|---|
| Offer | 9.2Higher | 8.8 |
| Trust | 9.9Higher | 9.8 |
How they place
| Ranking | Ameriabank | BKM Bausparkasse Mainz |
|---|---|---|
| Savings | 871 of 1492 | 990 of 1492 |
| Loans | 1172 of 2043 | 1297 of 2043 |
| Personal loans | 1004 of 1317 | 1058 of 1317 |
| Mortgages | 493 of 853 | 557 of 853 |
Every fact side by side
| Fact | Ameriabank | BKM Bausparkasse Mainz |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Legal entity | Ameriabank CJSC | Bausparkasse Mainz Aktiengesellschaft |
| Headquarters | Armenia | Germany |
| Founded | 1910Lower | 1930 |
| Support channels | Email, Phone, Help centreCovers more | Phone, Email |
Mortgages
| Fact | Ameriabank | BKM Bausparkasse Mainz |
|---|---|---|
| Initial rate | 12.9% | Not confirmed |
| APRC | 14.39% to 15.76% | Not confirmed |
| Fixed period | 3 years | 5 to 15 yearsHigher |
| Maximum loan to value | 90% | Not confirmed |
| Product fee | AMD 0 | Not confirmed |
| Purpose | Purchase, Remortgage, Buy to letCovers more | Purchase, Remortgage |
| Lender type | Direct lender | Direct lender |
Loans
| Fact | Ameriabank | BKM Bausparkasse Mainz |
|---|---|---|
| Loan amount | Not confirmed | from €1,000 |
| Funding time | Not confirmed | Immediate disbursement (Direkt-Darlehen) |
| Features | Not confirmed | Same day funding |
| Free early repayment | Not confirmed | Yes |
| Loan types | Personal | Personal |
| Use cases | Not confirmed | Home improvement |
Credit cards
| Fact | Ameriabank | BKM Bausparkasse Mainz |
|---|---|---|
| Card kind | Credit | Not confirmed |
Where each stands against the rest
| Fact | Ameriabank | BKM Bausparkasse Mainz | Median |
|---|---|---|---|
| Headline rate | Not confirmed | 0.75%lowest quarter | 3.3% |
| Term | Not confirmed | 12 to 180 monthshighest quarter | 60 |
| Minimum deposit | Not confirmed | €0below the median | €1 |
| Monthly fee | Not confirmed | €0at the median | €0 |
Median across 710 listed providers.
Pros and cons
Ameriabank
Pros
- Provides an easy-access account alongside a credit option for daily spending.
- Lends directly as a personal lender with email, phone and help-centre guidance.
BKM Bausparkasse Mainz
Pros
- Centres on building finance, home savings and property purchase planning.
- Maintains several savings variants alongside housing finance for future goals.
- Publishes practical guides on heat pumps and energy efficient modernisation.
Cons
- Financing options depend on individual review rather than a standard overview.
- Range stays centred on housing and long term financial planning topics.
Who each suits
Ameriabank
Who it suits
- Households seeking flexible access and borrowing in one place
- People who value steady guidance when reviewing choices
BKM Bausparkasse Mainz
Who it suits
- Households planning homeownership in clear incremental steps
- Savers building dedicated reserves for future housing goals
- Owners considering energy efficient renovation of their home
Who should look elsewhere
- Borrowers seeking instant standard terms without personal advice
Current offers
BKM Bausparkasse Mainz
Current offer
Bonus
ZinsPlus savings bonus on regular savings contributions: 2% after 7 years of saving, 3% after 10 years of saving
Paid once on the regular savings contributions of each year for the ZinsPlus Bausparvertrag (PlusLine Tarif J)
Source, checked September 26, 2026
Country by country
| Country | Ameriabank | BKM Bausparkasse Mainz |
|---|---|---|
| Armenia | Yes | No |
| Germany | No | Yes |
Questions about each
Ameriabank
What does Ameriabank offer?+
Ameriabank provides an easy-access account alongside a credit option for managing everyday money. It also acts as a direct lender for personal borrowing across different needs. Households can review access features together with borrowing choices before deciding.
Which borrowing needs does Ameriabank cover?+
Ameriabank covers personal borrowing for purchase, remortgage and buy-to-let purposes through direct lending. Each purpose follows the same direct relationship with the lender. Households can consider which purpose matches plans and seek guidance before applying.
BKM Bausparkasse Mainz
What does BKM Bausparkasse Mainz offer for homebuyers?+
BKM Bausparkasse Mainz supports building finance, home savings and property purchase with secure and clearly structured plans. It speaks with households about wishes and possibilities before identifying a suitable financing product. Personal advisers listen closely and shape solutions around individual circumstances.
Which savings products are available?+
BKM Bausparkasse Mainz provides Tagesgeld, Festgeld, Sparbrief, Entnahmeplan, Zuwachssparen and Festgeld mit Nachrangabrede. The range sits alongside building finance and supports step by step reserves for later freedom. Details for each variant explain features and intended use.
Other options to compare
Ameriabank
BKM Bausparkasse Mainz