Updated September 28, 2026 · SumCue Editorial Team
Credigenio ES vs DKB (Deutsche Kreditbank)
Credigenio ES
DKB (Deutsche Kreditbank)
Higher score in this comparison
Credigenio ES vs DKB (Deutsche Kreditbank): the differences
| Compare | Credigenio ESReviewVisitVisit | DKB (Deutsche Kreditbank)ReviewVisitVisit |
|---|---|---|
| APR | 0% to 317%Lower | 6.99% |
| Loan amount | €50 to €5,000 | €2,500 to €100,000Higher |
| Term | 3 to 4 months | 12 to 120 monthsHigher |
| Funding time | Same day - money can be in your account today | Privatkredit Sofort: usually within 30 minutes; Privatkredit Klassisch: within 1-2 days |
| Representative example | 300 EUR loan over 91 days: cost 62.40 EUR, total repayable 362.40 EUR, APR 113.39% | Nettodarlehensbetrag 15.000 Euro, Laufzeit 120 Monate, effektiver Jahreszins 6,99 % p. a., mtl. Rate 172,43 Euro, Gesamtbetrag 20.691,92 Euro |
| Lender type | Marketplace | Direct lender |
| Eligibility | 18 or older, resident in Spain, valid Spanish DNI or NIE, mobile and email, own bank account at a Spanish bank, demonstrable income; no guarantor or payroll required | Of 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 types | Personal, Payday | Personal, Car, Debt consolidation |
| Arrangement fee | 0 EUR - no application, opening or management fee | Not confirmed |
| Credit check | Not confirmed | Soft prequal |
| Rate type | Not confirmed | Fixed |
| Credit needed | Fair | Not confirmed |
| Use cases | Not confirmed | Home 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 8.7.
- APR is lower at Credigenio ES: 0% to 317% vs 6.99%.
- Loan amount is higher at DKB (Deutsche Kreditbank): €2,500 to €100,000 vs €50 to €5,000.
- Term is higher at DKB (Deutsche Kreditbank): 12 to 120 months vs 3 to 4 months.
- Features: only Credigenio ES offers Same day funding.
- Features: only DKB (Deutsche Kreditbank) offers Travel.
- Loan types: only Credigenio ES offers Payday.
- Loan types: only DKB (Deutsche Kreditbank) offers Car, Debt consolidation.
Our verdict on each
Credigenio ES
Credigenio ES suits borrowers in Spain who need a small amount quickly and can clear it fast. The offer runs from €50 to €5,000 over 3 to 4 at an APR of 0% to 317%, with 0 EUR - no application, opening or management fee. The rate is the part to read twice before applying.
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.
Score breakdown
| Area | Credigenio ES | DKB (Deutsche Kreditbank) |
|---|---|---|
| Cost | 9.5Higher | 8.9Card annual fee €29.88 against site median €0; the current account and depot charge €0 and €0. |
| Offer | 8.5Loans of €50 to €5,000 over 3 to 4 at an APR of 0% to 317%. | 8.7Higher |
| Trust | 8.1 | 9.1Higher |
What each covers
| Loan types | Credigenio ES | DKB (Deutsche Kreditbank) |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | No |
| Debt consolidation | No | Yes |
| Car | No | Yes |
Ranges side by side
| Fact | Credigenio ES | DKB (Deutsche Kreditbank) |
|---|---|---|
| Loan amount | €50 to €5,000 | €2,500 to €100,000 |
| Term | 3 to 4 months | 12 to 120 months |
How they place
| Ranking | Credigenio ES | DKB (Deutsche Kreditbank) |
|---|---|---|
| Loans | 15 of 2043 | 16 of 2043 |
| Personal loans | 12 of 1317 | 13 of 1317 |
Every fact side by side
| Fact | Credigenio ES | DKB (Deutsche Kreditbank) |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Travel |
| Legal entity | Adwells Group OÜ (registration number 17379392) | Deutsche Kreditbank AG |
| Headquarters | Estonia | Germany |
| Founded | Not confirmed | 1990 |
| Support channels | Email, Help centre | Email, Help centre |
Brokers
| Fact | Credigenio ES | DKB (Deutsche Kreditbank) |
|---|---|---|
| Account fee | Not confirmed | €0 |
| Markets | Not confirmed | Stocks, ETFs, Funds, Bonds |
| Audience | Not confirmed | Kids |
| Platforms | Not confirmed | Web Banking, DKB App |
Debit cards
| Fact | Credigenio ES | DKB (Deutsche Kreditbank) |
|---|---|---|
| Monthly fee | Not confirmed | €0 |
| Card type | Not confirmed | Debit |
| Card network | Not confirmed | Visa |
Savings
| Fact | Credigenio ES | DKB (Deutsche Kreditbank) |
|---|---|---|
| Deposit protection | Not confirmed | EU DGS up to EUR 100,000 |
Mortgages
| Fact | Credigenio ES | DKB (Deutsche Kreditbank) |
|---|---|---|
| Fixed period | Not confirmed | 5 to 30 years |
| Purpose | Not confirmed | Purchase, Remortgage |
Where each stands against the rest
| Fact | Credigenio ES | DKB (Deutsche Kreditbank) | Median |
|---|---|---|---|
| APR | 0% to 317%lowest quarter | 6.99%below the median | 9.99 |
| Loan amount | €50 to €5,000below the median | €2,500 to €100,000highest quarter | €40,000 |
| Term | 3 to 4 monthslowest quarter | 12 to 120 monthshighest quarter | 60 |
Median across 1096 listed providers.
Pros and cons
Credigenio ES
Pros
- No application, opening or management charge: 0 EUR - no application, opening or management fee.
- Money can arrive the same day you apply: Same day - money can be in your account today.
- Free early repayment, so clearing the balance early costs nothing extra.
Cons
- The APR range of 0% to 317% puts the cost far above a typical personal loan rate of 15.5%.
- Support runs on email and help centre only, with no phone line or live chat.
- Terms of 3 to 4 leave little room to spread a larger bill over a longer period.
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
Credigenio ES
Who it suits
- Borrowers living in Spain with a Spanish bank account and demonstrable income who need cash the same day.
- People who can clear the balance well inside 3 to 4 and want to pay nothing for settling early.
- Anyone who treats a no-fee application as the priority, since 0 EUR - no application, opening or management fee rules out setup charges.
Who should look elsewhere
- Anyone wanting a large sum: €50 to €5,000 is far below from €12,000.
- Borrowers who compare rate first, because the APR of 0% to 317% sits above the 36.5% typical of payday loans.
- People who want to talk to someone on the phone, since support runs on email and help centre only, or who would rather use a lender such as Sofkredit with an APR of 10.74% to 18.06%.
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
Credigenio ES
Current offer
First period offer
Primer prestamo al 0% TAE: 0% TAE, you repay exactly the amount you receive
New users only, no active previous loan at CrediGenio, meet basic requirements (age, residence in Spain, DNI/NIE, bank account, demonstrable income), repay within the agreed 91-120 day term, typical amounts 50-300 EUR, subject to the lenders' terms and the current welcome promotion
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
| Country | Credigenio ES | DKB (Deutsche Kreditbank) |
|---|---|---|
| Germany | No | Yes |
| Spain | Yes | No |
Questions about each
Credigenio ES
How much does a loan from Credigenio ES cost?+
There is no application, opening or management charge, since 0 EUR - no application, opening or management fee applies. All of the cost sits in the interest, with the APR running from 0% to 317%. The representative example puts the total repayable figure well above the amount borrowed, so the added cost is the price of the loan.
What is the fastest I can get money from Credigenio ES?+
Funding time is Same day - money can be in your account today, which is the main appeal of the service. The same day speed applies to approved applications, so if you need cash for a same day payment this is one of the few routes to it. You will need your own account at a Spanish bank for the transfer to land.
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
Other matchups
- DKB (Deutsche Kreditbank) vs Nexo
- Credigenio ES vs Oney Prestamos
- Credigenio ES vs Oney Préstamos ES
- Credigenio ES vs myKredit
- Credigenio ES vs Credityes
- Credigenio ES vs Pezetita
- Credigenio ES vs Fidea
- Credigenio ES vs Youmoney
- DKB (Deutsche Kreditbank) vs Lendela
- DKB (Deutsche Kreditbank) vs LEND.ch
- DKB (Deutsche Kreditbank) vs Alior
- DKB (Deutsche Kreditbank) vs ICICI Bank