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Deutsche Bank review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Deutsche Bank is a German bank that lends directly and keeps a savings pot alongside, with a hard credit check and APR of 3.25% to 13.48%. It suits adults in Germany with regular income who want a large fixed rate loan over a long term, plus savers who need instant access.

Key facts

Best for
Borrowing a larger sum in Germany at a fixed rate, with an easy access savings balance kept at the same bank.
APR
3.25% to 13.48%↗
Loan amount
€3,000 to €80,000↗
Term
12 to 120 months↗
Credit check
Hard↗
Funding time
Within a few days after document review and approval↗
Representative example
Net loan 10,000 EUR, effective annual rate 9.71 %, fixed nominal rate 9.30 % p.a., 85 months, monthly instalment 164 EUR, total payable 13,737 EUR↗
Rate type
Fixed↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
Of age (adult), non-self-employed with regular income, positive credit rating, residence in Germany↗
Loan types
Personal↗
Legal entity
Deutsche Bank AG↗
Headquarters
Germany↗
Founded
1870↗
Support channels
Email, Phone, Help-centre↗
Pricing model
Fixed rate
Official website
deutsche-bank.de

Savings

Headline rate
0.5%↗
Minimum deposit
€0↗
Deposit protection
EU DGS up to EUR 100,000↗
Access terms
On demand at any time, no notice period; withdrawals only to the customer-defined reference account↗
Monthly fee
€0↗
Account kind
Easy access↗

Credit cards

Rewards type
Miles↗
Card kind
Credit↗

Mortgages

Fixed period
up to 30 years↗
Purpose
Purchase, Buy-to-let↗

Facts checked September 26, 2026, 6 sources

Apps and profiles

Get the app
App Store
Elsewhere
WikidataLinkedIn

Pros and cons

Pros

  • Early repayment is free, so a personal loan can be settled sooner without an exit charge
  • Easy access savings with a minimum deposit of €0 and a monthly fee of €0
  • Savings sit under EU DGS up to EUR 100,000, and the bank answers to BaFin and the European Central Bank
  • Support runs on email, phone and help centre, covering email, phone and a help centre

Cons

  • Eligibility needs a positive credit rating, and the credit check is hard, so a thin credit file is unlikely to be approved
  • The card pays miles rewards, a thinner earn than the cashback most cards on the site offer
Deutsche Bank

Ready to try Deutsche Bank?

Scored 9.5 / 10 by SumCue.

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Who it suits

  • Adults living in Germany with regular income and a positive credit rating on file
  • Borrowers consolidating a larger sum who want a fixed rate and free early repayment
  • Savings customers keeping an easy access balance they can draw on at any time

Who should look elsewhere

  • Cashspace, whose APR runs PHP 12 to PHP 36, if that rate band suits your budget better
  • Creduma ES, whose loans start at from €12,000, if you want to borrow a larger minimum sum
  • Sofkredit, whose APR runs 10.74% to 18.06%, if you would rather price a different fixed rate range

The company behind it

The lender is Deutsche Bank AG, headquartered in Germany and founded in 1870, so it is a long established bank rather than a marketplace or broker. It is supervised by the Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin) and the European Central Bank (ECB), and it also appears in the IHK Frankfurt am Main Versicherungsvermittlerregister under D-H0AV-L0HOD-14. Support runs on email, phone and help centre.

How Deutsche Bank compares

Where Deutsche Bank is available

Available
Germany
Licence in Germany
Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin), checked September 26, 2026
Licence in Germany
European Central Bank (ECB), checked September 26, 2026
Licence in Germany
IHK Frankfurt am Main (Versicherungsvermittlerregister) (D-H0AV-L0HOD-14), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate will I pay on a Deutsche Bank personal loan?+

The rate is fixed, and the annual percentage rate runs 3.25% to 13.48%. The representative example sets out a net loan with a fixed nominal rate, a monthly instalment and the total repayable. Free early repayment is available, so you can settle early without a charge.

How much can I borrow, and for how long?+

Loan amounts run €3,000 to €80,000 on the personal loan, and terms run 12 to 120, a longer window than most personal lenders offer. The final amount depends on your income and credit rating. Home lending is also listed, covering purchase and buy to let.

How long does it take to get the money?+

Funding follows document review and approval, and Within a few days after document review and approval sets the pace. Support runs on email, phone and help centre, so you can chase documents by email or phone. It is a bank process rather than an instant decision, so plan the timing around your own needs.

Is my money protected?+

Savings deposits sit under EU DGS up to EUR 100,000, so the cover comes from the EU scheme rather than a national limit. The legal entity behind the account is Deutsche Bank AG, based in Germany, and it is supervised by BaFin and the European Central Bank.

Can I get at my savings quickly?+

The account is easy access: money comes out on demand at any time with no notice period. Withdrawals go only to the reference account you set up, so a different account cannot be drawn on. The minimum deposit is €0 and the monthly fee is €0.

Who can apply for the loan?+

Applicants must be adults, not self-employed, with regular income, a positive credit rating and a residence in Germany. The credit check is hard, so a weak credit rating is unlikely to pass. Approved loans are funded Within a few days after document review and approval, so the documents matter.

Is the savings rate worth much?+

The headline rate is 0.5%, below the site median of 3%, so this is a parking pot rather than a home for long term money. The account charges €0 monthly, keeps access instant, and needs only a €0 minimum deposit.

Sources

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Arrangement fee.

Deutsche Bank

Deutsche Bank

Borrowing a larger sum in Germany at a fixed rate, with an easy access savings balance kept at the same bank.

9.5/10See alternatives