Updated October 13, 2026 · SumCue Editorial Team
Bank Norwegian vs BKM Bausparkasse Mainz
Bank Norwegian
Higher score in this comparison
BKM Bausparkasse Mainz
Bank Norwegian vs BKM Bausparkasse Mainz: the differences
| Compare | Bank NorwegianReviewSee alternativesSee alternatives | BKM Bausparkasse MainzReviewSee alternativesSee alternatives |
|---|---|---|
| Loan amount | NOK 5,000 to NOK 600,000 | from €1,000 |
| Term | 12 to 60 months | 12 to 180 monthsHigher |
| Funding time | 0-3 business days after the last document is received | Immediate disbursement (Direkt-Darlehen) |
| Rate type | Variable | Fixed |
| Loan types | Personal, Debt consolidation, Credit line, CarCovers more | Personal |
| APR | 10.43% to 36.85% | Not confirmed |
| Arrangement fee | Etableringsgebyr kr 0 - kr 1 995 (tiered by loan amount) | Not confirmed |
| Credit check | Hard | Not confirmed |
| Representative example | Forbrukslån: nominal rate 12.99%, effective rate 15.15%, NOK 85,000 over 5 years, origination fee NOK 995; cost NOK 34,173, total NOK 119,173 | Not confirmed |
| Eligibility | Age 20 or over, registered income, and no payment remarks or active collection cases | Not confirmed |
Same on both: Lender type (Direct lender), Free early repayment (Yes), Use cases (Home improvement).
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Key differences
- Founded is lower at BKM Bausparkasse Mainz: 1930 vs 2007.
- Bank Norwegian is available in 5 more countries.
- Term is higher at BKM Bausparkasse Mainz: 12 to 180 months vs 12 to 60 months.
- Support channels: only Bank Norwegian offers Help centre.
- Pricing model: only Bank Norwegian offers Monthly.
- Pricing model: only BKM Bausparkasse Mainz offers Fixed rate.
- Features: only Bank Norwegian offers Rewards.
- Features: only BKM Bausparkasse Mainz offers Same day funding.
- Loan types: only Bank Norwegian offers Debt consolidation, Credit line, Car.
Our verdict on each
Bank Norwegian
Bank Norwegian suits Norwegian adults who want saving, borrowing and a credit card handled in one place. The savings headline rate of 3.5% is the draw and the card pays cashback, but borrowing runs at 10.43% to 36.85% with an origination fee on top.
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 | Bank Norwegian | BKM Bausparkasse Mainz |
|---|---|---|
| Cost | 8.9Savings run on a NOK 0 account fee and the card on a NOK 0 fee, while loans add 10.43% to 36.85%. | Not confirmed |
| Offer | 8.9Higher | 8.8 |
| Trust | 8.7 | 9.8Higher |
Licences and countries
| Country | Bank Norwegian | BKM Bausparkasse Mainz |
|---|---|---|
| Germany | Not confirmed |
Available in 1 country for both. Additional countries for Bank Norwegian: 5.
Positions in our rankings
| Ranking | Bank Norwegian | BKM Bausparkasse Mainz |
|---|---|---|
| Savings | 598 of 1492 | 990 of 1492 |
| Savings accounts | 397 of 658 | 548 of 658 |
| Loans | 858 of 2043 | 1297 of 2043 |
| Personal loans | 762 of 1317 | 1058 of 1317 |
Every fact side by side
| Fact | Bank Norwegian | BKM Bausparkasse Mainz |
|---|---|---|
| Pricing model | Monthly | Fixed rate |
| Features | Rewards | Same day funding |
| Legal entity | NOBA Bank Group AB (publ) NUF | Bausparkasse Mainz Aktiengesellschaft |
| Headquarters | Norway | Germany |
| Founded | 2007 | 1930Lower |
| Support channels | Phone, Email, Help centreCovers more | Phone, Email |
Credit cards
| Fact | Bank Norwegian | BKM Bausparkasse Mainz |
|---|---|---|
| Annual fee | NOK 0 | Not confirmed |
| Rewards type | Cashback | Not confirmed |
| Rewards rate | 0.5% cashback | Not confirmed |
| Perks | Travel insurance, 45 days interest free | Not confirmed |
| Cashback rate | 0.5% | Not confirmed |
| Card kind | Credit | Not confirmed |
Savings
| Fact | Bank Norwegian | BKM Bausparkasse Mainz |
|---|---|---|
| Headline rate | 3.5%Higher | 0.75% |
| Minimum deposit | NOK 0 | €0 |
| Deposit protection | Not confirmed | EU DGS up to EUR 100,000 |
| Access terms | Unlimited fee-free withdrawals per calendar year; works as an ordinary payment account with direct debit and AvtaleGiro | maxTagesgeld: daily availability, no minimum investment, interest from the first euro |
| Monthly fee | NOK 0 | €0 |
| Account kind | Easy access | Easy access |
Where each stands against the rest
| Fact | Bank Norwegian | BKM Bausparkasse Mainz | Median |
|---|---|---|---|
| APR | 10.43% to 36.85%above the median | Not confirmed | 9.99 |
| Term | 12 to 60 monthsat the median | 12 to 180 monthshighest quarter | 60 |
Median across 1096 listed providers.
Pros and cons
Bank Norwegian
Pros
- Savings run on a NOK 0 account fee with a NOK 0 minimum deposit, and withdrawals are free through the year
- The credit card pairs a NOK 0 annual fee with 0.5% cashback and travel insurance and 45 days interest free
- Loans can be repaid early without charge, and funding lands in 0-3 business days after the last document is received
Cons
- Borrowing carries 10.43% to 36.85% plus an Etableringsgebyr kr 0 - kr 1 995 (tiered by loan amount) that steps up with the amount borrowed
- Loans need a hard credit check, and payment remarks or active collection cases rule you out
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
Bank Norwegian
Who it suits
- Norwegian adults who keep savings and a credit card with the same provider
- Anyone funding home improvement, a listed loan purpose, who can clear a credit check
- Savers who want easy access, since withdrawals are free and the account takes direct debit and AvtaleGiro
Who should look elsewhere
- bunq, if euro day to day banking in the euro area suits you better
- bunq Spain, if you would rather hold an account in Spain
- linxea, if you want life insurance rather than savings, loans and a card
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 | Bank Norwegian | BKM Bausparkasse Mainz |
|---|---|---|
| Denmark | Yes | No |
| Finland | Yes | No |
| Norway | Yes | No |
| Spain | Yes | No |
| Sweden | Yes | No |
| Germany | Yes | Yes |
Questions about each
Bank Norwegian
What does it cost to keep savings here?+
The savings account has a NOK 0 monthly fee and a NOK 0 minimum deposit, so there is little to pay. Withdrawals are free and unlimited within the calendar year, and the account works as an ordinary payment account for direct debit and AvtaleGiro.
Is the credit card free to hold?+
The card has a NOK 0 annual fee, so there is no charge for keeping it in a wallet. Spending earns 0.5% cashback, and travel insurance and 45 days interest free come with it, covering travel insurance and an interest free window on new purchases.
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
Bank Norwegian
BKM Bausparkasse Mainz