Updated September 28, 2026 · SumCue Editorial Team
DKB (Deutsche Kreditbank) vs Ibancar Prestamos
DKB (Deutsche Kreditbank)
Ibancar Prestamos
Higher score in this comparison
What sets them apart
| Compare | DKB (Deutsche Kreditbank)ReviewVisitVisit | Ibancar PrestamosReviewVisitVisit |
|---|---|---|
| APR | 6.99%Lower | 12.74% to 13.01% |
| Loan amount | €2,500 to €100,000Higher | €600 to €8,000 |
| Term | 12 to 120 monthsHigher | 12 to 60 months |
| Funding time | Privatkredit Sofort: usually within 30 minutes; Privatkredit Klassisch: within 1-2 days | Same day, up to 24 hours |
| Representative example | Nettodarlehensbetrag 15.000 Euro, Laufzeit 120 Monate, effektiver Jahreszins 6,99 % p. a., mtl. Rate 172,43 Euro, Gesamtbetrag 20.691,92 Euro | 1,000 EUR over 36 months, French amortisation, APR 13.01%, interest 199.15 EUR, total amount owed 1,199.15 EUR |
| Eligibility | 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 | Applicants resident in Spain (mainland, Balearic Islands, Canary Islands) who own the car pledged as collateral; ASNEF-listed applicants accepted |
| Loan types | Personal, Car, Debt consolidation | Personal, Car, Secured |
| Credit check | Soft prequal | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Credit needed | Not confirmed | Poor |
| Use cases | Home improvement | Not confirmed |
Same on both: Rate type (Fixed), Lender type (Direct lender).
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Key differences
- Ibancar Prestamos scores higher overall: 9.1 vs 9.0.
- APR is lower at DKB (Deutsche Kreditbank): 6.99% vs 12.74% to 13.01%.
- Loan amount is higher at DKB (Deutsche Kreditbank): €2,500 to €100,000 vs €600 to €8,000.
- Term is higher at DKB (Deutsche Kreditbank): 12 to 120 months vs 12 to 60 months.
- Support channels: only Ibancar Prestamos offers Phone.
- Features: only DKB (Deutsche Kreditbank) offers Travel.
- Features: only Ibancar Prestamos offers Same day funding.
- Loan types: only DKB (Deutsche Kreditbank) offers Debt consolidation.
- Loan types: only Ibancar Prestamos offers Secured.
Our verdict on each
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.
Ibancar Prestamos
Ibancar Prestamos suits borrowers in Spain who own the car they pledge as collateral and can accept a fixed rate. Money moves in Same day, up to 24 hours, and the 12.74% to 13.01% sits below the site median of 15.5%.
Score breakdown
| Area | DKB (Deutsche Kreditbank) | Ibancar Prestamos |
|---|---|---|
| Cost | 8.9HigherCard annual fee €29.88 against site median €0; the current account and depot charge €0 and €0. | 8.8 |
| Offer | 8.7 | 9.3Higher12.74% to 13.01% and €600 to €8,000 with Same day, up to 24 hours, a narrow 12 to 60 range and poor credit accepted. |
| Trust | 9.1 | 9.4Higher |
Positions in our rankings
| Ranking | DKB (Deutsche Kreditbank) | Ibancar Prestamos |
|---|---|---|
| Loans | 16 of 2043 | 19 of 2043 |
| Personal loans | 13 of 1317 | 15 of 1317 |
What we checked
DKB (Deutsche Kreditbank)
- dkb.de: 17 facts, checked September 26, 2026
- de.wikipedia.org: 1 fact, checked September 26, 2026
Ibancar Prestamos
- ibancar.com: 15 facts, checked September 26, 2026
Every fact side by side
| Fact | DKB (Deutsche Kreditbank) | Ibancar Prestamos |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Travel | Same day funding |
| Legal entity | Deutsche Kreditbank AG | Ibancar World SL |
| Headquarters | Germany | Spain |
| Founded | 1990 | Not confirmed |
| Support channels | Email, Help centre | Phone, Email, Help centreCovers more |
Brokers
| Fact | DKB (Deutsche Kreditbank) | Ibancar Prestamos |
|---|---|---|
| Account fee | €0 | Not confirmed |
| Markets | Stocks, ETFs, Funds, Bonds | Not confirmed |
| Audience | Kids | Not confirmed |
| Platforms | Web Banking, DKB App | Not confirmed |
Debit cards
| Fact | DKB (Deutsche Kreditbank) | Ibancar Prestamos |
|---|---|---|
| Monthly fee | €0 | Not confirmed |
| Card type | Debit | Not confirmed |
| Card network | Visa | Not confirmed |
Savings
| Fact | DKB (Deutsche Kreditbank) | Ibancar Prestamos |
|---|---|---|
| Deposit protection | EU DGS up to EUR 100,000 | Not confirmed |
Mortgages
| Fact | DKB (Deutsche Kreditbank) | Ibancar Prestamos |
|---|---|---|
| Fixed period | 5 to 30 years | Not confirmed |
| Purpose | Purchase, Remortgage | Not confirmed |
Where each stands against the rest
| Fact | DKB (Deutsche Kreditbank) | Ibancar Prestamos | Median |
|---|---|---|---|
| APR | 6.99%below the median | 12.74% to 13.01%above the median | 9.99% |
| Loan amount | €2,500 to €100,000highest quarter | €600 to €8,000below the median | €40,000 |
| Term | 12 to 120 monthshighest quarter | 12 to 60 monthsat the median | 60 |
Median across 1096 listed providers.
Pros and cons
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.
Ibancar Prestamos
Pros
- Funding lands in Same day, up to 24 hours, and same-day money is uncommon, since only 30.8% of the site offers it
- The 12.74% to 13.01% sits below the site median of 15.5% and the personal loan ranking median of 14.43%
- Borrowing is a direct arrangement with direct lender, so you deal with the entity named in the representative example rather than a middleman
Cons
- Borrowing is secured on your car, so the vehicle is at stake if you miss payments
- The largest loan is €600 to €8,000, well short of the from €12,000 floor at Creduma ES
- Terms run 12 to 60, narrower than the personal loan ranking span of 1 to 480
Who each suits
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.
Ibancar Prestamos
Who it suits
- Drivers in mainland Spain, the Balearic Islands and the Canary Islands who own the car they pledge
- Borrowers listed on ASNEF who need money against a vehicle rather than on income alone
- People who want a fixed monthly cost they can see before signing
Who should look elsewhere
- Anyone who does not own the vehicle they would pledge as collateral
- Borrowers wanting unsecured money, since the largest amount here is €600 to €8,000
- Lenders shopping for a rate floor, as 12.74% to 13.01% starts well above the site median of 15.5%
Current offers
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 | DKB (Deutsche Kreditbank) | Ibancar Prestamos |
|---|---|---|
| Germany | Yes | No |
| Spain | No | Yes |
Questions about each
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.
Ibancar Prestamos
What rate will I pay on a secured car loan?+
The 12.74% to 13.01% covers the product, and the pricing is a fixed rate, so the number you agree does not shift with the market. The site median APR of 15.5% shows this loan sits at the cheaper end of the wider field. Always check the figure on your own offer before signing.
How much can I borrow?+
The range is €600 to €8,000, so the smallest and largest advances are fixed. That ceiling is modest, and it is far below the from €12,000 minimum at Creduma ES. The car you pledge is what sets both the amount and the rate you are offered.
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