Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie settingsCookie policy

Updated September 28, 2026 · SumCue Editorial Team

Andacredito vs DKB (Deutsche Kreditbank)

Andacredito scores 8.8 and DKB (Deutsche Kreditbank) 9.0 out of 10. Compare their differences and shared features below.
Andacredito

Andacredito

8.8/10
Visit
DKB (Deutsche Kreditbank)

DKB (Deutsche Kreditbank)

Higher score in this comparison

9.0/10
Visit

What sets them apart

Andacredito vs DKB (Deutsche Kreditbank)
CompareAndacreditoAndacreditoReviewVisitVisitDKB (Deutsche Kreditbank)DKB (Deutsche Kreditbank)ReviewVisitVisit
APR0% to 36%Lower6.99%
Loan amount€100 to €5,000€2,500 to €100,000Higher
Term2 to 3 months12 to 120 monthsHigher
Funding time10 minutesPrivatkredit Sofort: usually within 30 minutes; Privatkredit Klassisch: within 1-2 days
Representative example300 EUR loan repaid over 67 days: cost 0 EUR, total repayable 300 EUR, APR 0%Nettodarlehensbetrag 15.000 Euro, Laufzeit 120 Monate, effektiver Jahreszins 6,99 % p. a., mtl. Rate 172,43 Euro, Gesamtbetrag 20.691,92 Euro
Rate typeVariableFixed
Lender typeBrokerDirect lender
Eligibility18 or older, bank account in Spain, ability to repayOf age and main residence in Germany; not self-employed or freelance; in permanent employment or on an indefinite pension; German mobile number and online-banking access to the salary account
Loan typesPersonal, Payday, Car, Business, Student, Debt consolidationCovers morePersonal, Car, Debt consolidation
Arrangement fee0 EURNot confirmed
Credit checkNot confirmedSoft prequal
Origination fee (%)0%Not confirmed
Credit neededPoorNot confirmed
Use casesNot confirmedHome improvement

Same on both: Free early repayment (Yes).

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Key differences

  • DKB (Deutsche Kreditbank) scores higher overall: 9.0 vs 8.8.
  • APR is lower at Andacredito: 0% to 36% vs 6.99%.
  • Loan amount is higher at DKB (Deutsche Kreditbank): €2,500 to €100,000 vs €100 to €5,000.
  • Term is higher at DKB (Deutsche Kreditbank): 12 to 120 months vs 2 to 3 months.
  • Support channels: only DKB (Deutsche Kreditbank) offers Help centre.
  • Features: only Andacredito offers Same day funding.
  • Features: only DKB (Deutsche Kreditbank) offers Travel.
  • Loan types: only Andacredito offers Payday, Business, Student.

Our verdict on each

Andacredito

Andacredito suits borrowers in Spain who need a small sum quickly and can manage a short repayment window. The broker charges an arrangement fee of 0 EUR and quotes APR of 0% to 36%, with a representative example at 0% to 36% and free early repayment.

Read the full Andacredito review

DKB (Deutsche Kreditbank)

DKB suits adults in Germany who want a fee based Visa credit card for travel spending, a free current account and a no fee depot under one bank. Personal loans sit at a fixed rate and an APR of 6.99% with free early repayment.

Read the full DKB (Deutsche Kreditbank) review

Score breakdown

Andacredito vs DKB (Deutsche Kreditbank)
AreaAndacreditoDKB (Deutsche Kreditbank)
Cost9.5HigherArrangement fee of 0 EUR and 0%, APR of 0% to 36%, free early repayment.8.9Card annual fee €29.88 against site median €0; the current account and depot charge €0 and €0.
Offer8.48.7Higher
Trust8.59.1Higher

Licences and countries

Additional countries for Andacredito: 1. Additional countries for DKB (Deutsche Kreditbank): 1.

Where they rank in our lists

Andacredito vs DKB (Deutsche Kreditbank)
RankingAndacreditoDKB (Deutsche Kreditbank)
Loans18 of 204316 of 2043
Personal loans14 of 131713 of 1317

Every fact side by side

Andacredito vs DKB (Deutsche Kreditbank)
FactAndacreditoDKB (Deutsche Kreditbank)
Pricing modelNot confirmedFixed rate
FeaturesSame day fundingTravel
Legal entityFininity OUDeutsche Kreditbank AG
HeadquartersEstoniaGermany
FoundedNot confirmed1990
Support channelsEmailEmail, Help centreCovers more

Brokers

Andacredito vs DKB (Deutsche Kreditbank)
FactAndacreditoDKB (Deutsche Kreditbank)
Account feeNot confirmed€0
MarketsNot confirmedStocks, ETFs, Funds, Bonds
AudienceNot confirmedKids
PlatformsNot confirmedWeb Banking, DKB App

Debit cards

Andacredito vs DKB (Deutsche Kreditbank)
FactAndacreditoDKB (Deutsche Kreditbank)
Monthly feeNot confirmed€0
Card typeNot confirmedDebit
Card networkNot confirmedVisa

Savings

Andacredito vs DKB (Deutsche Kreditbank)
FactAndacreditoDKB (Deutsche Kreditbank)
Deposit protectionNot confirmedEU DGS up to EUR 100,000

Mortgages

Andacredito vs DKB (Deutsche Kreditbank)
FactAndacreditoDKB (Deutsche Kreditbank)
Fixed periodNot confirmed5 to 30 years
PurposeNot confirmedPurchase, Remortgage

Where each stands against the rest

Andacredito vs DKB (Deutsche Kreditbank)
FactAndacreditoDKB (Deutsche Kreditbank)Median
APR0% to 36%lowest quarter6.99%below the median9.99
Loan amount€100 to €5,000below the median€2,500 to €100,000highest quarter€40,000
Term2 to 3 monthslowest quarter12 to 120 monthshighest quarter60
Origination fee (%)0%at the medianNot confirmed0%

Median across 1096 listed providers.

Pros and cons

Andacredito

Pros

  • Arrangement fees of 0 EUR and 0% keep the cost of taking out a loan low
  • Free early repayment means a clear exit without a charge for settling early
  • The representative example shows a small loan with no cost added to what is borrowed

Cons

  • Terms run only 2 to 3, far shorter than the 36 seen across the market
  • The top of the rate range, 0% to 36%, sits close to the 27.8% typical of payday style lending
  • Support runs on email only, so help is written rather than spoken

DKB (Deutsche Kreditbank)

Pros

  • The 3 free digital newspapers/magazines monthly via Digital Kiosk, Emergency card and emergency cash if lost abroad and Visa Secure authentication for online purchases list covers fee free payments worldwide and emergency cash if the card is lost abroad.
  • Personal loans cover personal, car and debt consolidation with free early repayment, a soft prequalification check and terms of 12 to 120.
  • The current account and depot are free, deposits carry EU DGS up to EUR 100,000, and the bank was founded in 1990.

Cons

  • Loan eligibility is narrow: adults with main residence in Germany, permanent employment or an indefinite pension, a German mobile number and online banking access to the salary account.
  • The annual fee of €29.88 is above the site median of €0, and the rewards type is none.
  • Support runs on email and help centre only, with no phone line listed.

Who each suits

Andacredito

Who it suits

  • Adults with a bank account in Spain who meet the 18 or older, bank account in Spain, ability to repay rules
  • Borrowers with poor credit who want a quick small sum
  • People who can clear a short 2 to 3 term from one payment cycle

Who should look elsewhere

  • Anyone needing a long repayment period, since the ceiling is 2 to 3 against the from €12,000 floor at Creduma ES
  • Borrowers who want a long term loan at a fixed style rate, where Sofkredit quotes 10.74% to 18.06%
  • People who prefer to speak to support, as Andacredito offers email only

DKB (Deutsche Kreditbank)

Who it suits

  • Adults in Germany who want a fee based Visa credit card for travel spending alongside a free current account.
  • People in permanent employment planning a car purchase, home improvement or debt consolidation at a fixed rate.
  • Savings and investment beginners who want a free depot covering stocks, etfs and funds.

Who should look elsewhere

  • Reward seekers, since the rewards type is none, while bunq and Wise set annual fees of €0 and £0.
  • Self employed and freelance applicants, and anyone without main residence in Germany, since the loan eligibility rules them out; Varo Believe Secured Credit Card suits readers who want a secured card instead.

Current offers

Andacredito

Current offer

  • Bonus

    Primer prestamo gratis sin intereses (0% TAE) for new customers: 0% TAE, 0 EUR cost on the first loan

    New customers of the minicredito rapido (repayment 61-90 days); the amount and rate are set after completing the questionnaire and depend on the lender chosen

    Source, checked September 26, 2026

DKB (Deutsche Kreditbank)

Current offer

  • Bonus

    Welcome bonus for new credit card holders: €30

    Make three purchases of €5 or more each within 6 weeks of application. Valid for applications between 08/17/2026 and 12/31/2026. Bonus credited approximately 3 months after application

    Source, checked September 26, 2026

  • First period offer

    First year annual fee waived: €29.88

    First year card fee covered by promotion if bonus conditions are met

    Source, checked September 26, 2026

Country by country

Andacredito vs DKB (Deutsche Kreditbank)
CountryAndacreditoDKB (Deutsche Kreditbank)
GermanyNoYes
SpainYesNo

Questions about each

Andacredito

What does Andacredito charge to set up a loan?+

The arrangement fee is 0 EUR and the percentage fee is 0%, so there is no separate charge for arranging the loan. The rate quoted is 0% to 36%, and it is a variable rate, so the figure can change. Early repayment carries no charge either.

Is early repayment free on Andacredito loans?+

Yes, early repayment is free. That matters most on the short 2 to 3 terms the brand offers, because a borrower who clears the balance sooner pays nothing extra for doing so. Many lenders on the site charge for settling early, so this is a point in favour.

DKB (Deutsche Kreditbank)

What does the DKB credit card cost each year?+

The card's annual fee is €29.88, higher than the site median of €0. Payments and cash withdrawals are free at Visa points worldwide, and the card runs on visa. There is no rewards scheme, as the rewards type is none.

Are the current account and the depot free to keep?+

Yes. The current account charges €0 a month and the depot charges €0 a year. You can run both from Web Banking and DKB App, the depot covers stocks, etfs and funds, and the account's listed feature is travel.

Other options to compare

Andacredito

Visit

DKB (Deutsche Kreditbank)

Visit