Updated September 28, 2026 · SumCue Editorial Team
Credityes vs DKB (Deutsche Kreditbank)
Credityes
DKB (Deutsche Kreditbank)
Higher score in this comparison
What sets them apart
| Compare | CredityesReviewVisitVisit | DKB (Deutsche Kreditbank)ReviewVisitVisit |
|---|---|---|
| APR | 0% to 48%Lower | 6.99% |
| Loan amount | ₱1,000 to ₱25,000 | €2,500 to €100,000 |
| Term | 2 to 36 months | 12 to 120 monthsHigher |
| Funding time | A few minutes after confirmation | Privatkredit Sofort: usually within 30 minutes; Privatkredit Klassisch: within 1-2 days |
| Representative example | 1,000 PHP for 3 months at 48% per year, commission 0 PHP, total repayable 1,120 PHP, APR 48% | 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 | Broker | Direct lender |
| Eligibility | Resident of the Philippines, aged 18 to 75, with a personal bank account, phone number, email address and valid ID document | 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 | Personal, Car, Debt consolidationCovers more |
| Arrangement fee | 0 PHP | Not confirmed |
| Credit check | Not confirmed | Soft prequal |
| Rate type | Not confirmed | Fixed |
| Free early repayment | Not confirmed | Yes |
Same on both: Use cases (Home improvement).
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Key differences
- DKB (Deutsche Kreditbank) scores higher overall: 9.0 vs 8.9.
- APR is lower at Credityes: 0% to 48% vs 6.99%.
- Term is higher at DKB (Deutsche Kreditbank): 12 to 120 months vs 2 to 36 months.
- Features: only Credityes offers Same day funding.
- Features: only DKB (Deutsche Kreditbank) offers Travel.
- Loan types: only DKB (Deutsche Kreditbank) offers Car, Debt consolidation.
Our verdict on each
Credityes
Credityes suits Philippine residents who want a small personal loan without an upfront fee, and money can reach them A few minutes after confirmation. The catch is the top of the rate range and short maximum term, so check the annual percentage cost on your own offer before you commit.
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 | Credityes | DKB (Deutsche Kreditbank) |
|---|---|---|
| Cost | 9.9Higher | 8.9Card annual fee €29.88 against site median €0; the current account and depot charge €0 and €0. |
| Offer | 8.3APR of 0% to 48% with an origination fee of 0 PHP on personal loans of PHP 1,000 to PHP 25,000. | 8.7Higher |
| Trust | 8.5 | 9.1Higher |
Where they rank in our lists
| Ranking | Credityes | DKB (Deutsche Kreditbank) |
|---|---|---|
| Loans | 12 of 2043 | 16 of 2043 |
| Personal loans | 9 of 1317 | 13 of 1317 |
Choosing between them
Pick Credityes if cost and apr matter most.
Pick DKB (Deutsche Kreditbank) if offer, trust, term, and loan types matter most.
Availability and regulation
Additional countries for Credityes: 1. Additional countries for DKB (Deutsche Kreditbank): 1.
Also worth a look
FINANZCHECK.de has apr at -0.4% to 19.9%, against 0% to 48% for Credityes and 6.99% for DKB (Deutsche Kreditbank).
FINANZCHECK.de reviewEvery fact side by side
| Fact | Credityes | DKB (Deutsche Kreditbank) |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Travel |
| Legal entity | SIA DOAFF (reg. No. 40203426084) | Deutsche Kreditbank AG |
| Headquarters | Latvia | Germany |
| Founded | Not confirmed | 1990 |
| Support channels | Email, Help centre | Email, Help centre |
Brokers
| Fact | Credityes | 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 | Credityes | DKB (Deutsche Kreditbank) |
|---|---|---|
| Monthly fee | Not confirmed | €0 |
| Card type | Not confirmed | Debit |
| Card network | Not confirmed | Visa |
Savings
| Fact | Credityes | DKB (Deutsche Kreditbank) |
|---|---|---|
| Deposit protection | Not confirmed | EU DGS up to EUR 100,000 |
Mortgages
| Fact | Credityes | DKB (Deutsche Kreditbank) |
|---|---|---|
| Fixed period | Not confirmed | 5 to 30 years |
| Purpose | Not confirmed | Purchase, Remortgage |
Where each stands against the rest
| Fact | Credityes | DKB (Deutsche Kreditbank) | Median |
|---|---|---|---|
| APR | 0% to 48%lowest quarter | 6.99%below the median | 9.99 |
| Term | 2 to 36 monthsbelow the median | 12 to 120 monthshighest quarter | 60 |
Median across 1096 listed providers.
Pros and cons
Credityes
Pros
- Origination fee of 0 PHP on personal loans, so there is no charge to set one up
- APR runs from 0% to 48%, so a lower cost is possible depending on the offer you are given
- Loan amounts of PHP 1,000 to PHP 25,000 keep the balance small and repayable
Cons
- The top of the APR range is high, so the cost depends heavily on the rate you are offered
- Terms top out at 2 to 36, which limits how far a larger balance can be stretched
- Phone is not among its support channels (email and help centre), 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
Credityes
Who it suits
- Philippine residents with a personal bank account, valid ID, email and phone who are planning home improvement work
- Borrowers who want a small fixed amount rather than a revolving credit line
- Adults who need a decision and money movement quickly, since funding is A few minutes after confirmation
Who should look elsewhere
- Borrowers who need a phone line, since support runs on email and help centre only
- Anyone wanting longer terms than 2 to 36 to keep monthly payments low
- Readers comparing euro loans, since these are personal loans in a single market
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
Credityes
Current offer
First period offer
First loan with APR starting from 0%: APR starting from 0% on the first loan
Offer depends on the partner lending institution selected; final cost set by the entity that enters the contract
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 | Credityes | DKB (Deutsche Kreditbank) |
|---|---|---|
| Germany | No | Yes |
| Philippines | Yes | No |
Questions about each
Credityes
What does it cost to take a personal loan from Credityes?+
The origination fee is 0 PHP on personal loans, so there is no upfront charge to arrange one. What you pay is the interest itself, with an APR running from 0% to 48%. Their worked example shows the total repayable clearly against the amount borrowed, which is the figure to focus on.
How much can I borrow and for how long?+
Loan amounts run PHP 1,000 to PHP 25,000 and terms run 2 to 36, which gives you a fairly wide choice on the repayment window. The smallest loans are suited to a single repair rather than a full renovation. The maximum term is the constraint for anyone hoping to keep monthly payments low.
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.