Updated September 28, 2026 · SumCue Editorial Team
DKB (Deutsche Kreditbank) vs LEND.ch
DKB (Deutsche Kreditbank)
Higher score in this comparison
LEND.ch
What sets them apart
| Compare | DKB (Deutsche Kreditbank)ReviewVisitVisit | LEND.chReviewVisitVisit |
|---|---|---|
| APR | 6.99% | 4.3% to 9.96%Lower |
| Loan amount | €2,500 to €100,000 | from CHF 10,000 |
| Term | 12 to 120 monthsHigher | 12 to 84 months |
| Credit check | Soft prequal | Hard |
| 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 | Personal loan CHF 20'000 over 36 months, score A+: annual fee CHF 130, total fee CHF 390, payout CHF 19'610; effective interest rate 4.30% to 9.96% |
| Lender type | Direct lender | Marketplace |
| 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 | Of legal age, resident in Switzerland, holder of a Swiss bank account, with a regular income (Swiss residents with permanent employment) |
| Loan types | Personal, Car, Debt consolidation | Personal, Debt consolidation, Car, Student, Business, Secured, BridgingCovers more |
| Arrangement fee | Not confirmed | One-off origination fee, score-dependent, charged for the whole loan term and deducted from the payout (e.g. CHF 130 per year for 36 months, CHF 390 total on CHF 20,000) |
| Funding time | Privatkredit Sofort: usually within 30 minutes; Privatkredit Klassisch: within 1-2 days | Not confirmed |
| Rate type | Fixed | Not confirmed |
Same on both: Free early repayment (Yes), Use cases (Home improvement).
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Key differences
- Founded is lower at DKB (Deutsche Kreditbank): 1990 vs 2015.
- APR is lower at LEND.ch: 4.3% to 9.96% vs 6.99%.
- Term is higher at DKB (Deutsche Kreditbank): 12 to 120 months vs 12 to 84 months.
- Support channels: only LEND.ch offers Chat.
- Loan types: only LEND.ch offers Student, Business, 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.
LEND.ch
LEND.ch suits Swiss residents with a regular income and a Swiss bank account who want a marketplace offer rather than a single bank's product. Borrowing runs from from CHF 10,000 with terms of 12 to 84, and the platform is operated by Switzerlend AG (CHE-456.445.646) in Switzerland.
Score breakdown
| Area | DKB (Deutsche Kreditbank) | LEND.ch |
|---|---|---|
| Cost | 8.9Card annual fee €29.88 against site median €0; the current account and depot charge €0 and €0. | 9.3Higher |
| Offer | 8.7 | 9.5HigherEffective interest rates of 4.3% to 9.96%, with free early repayment on the loan. |
| Trust | 9.1Higher | 8.3 |
From lowest to highest
| Fact | DKB (Deutsche Kreditbank) | LEND.ch |
|---|---|---|
| Term | 12 to 120 months | 12 to 84 months |
Feature by feature
| Loan types | DKB (Deutsche Kreditbank) | LEND.ch |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | Yes | Yes |
| Secured | No | Yes |
| Car | Yes | Yes |
| Business | No | Yes |
| Student | No | Yes |
| Bridging | No | Yes |
| Use cases | DKB (Deutsche Kreditbank) | LEND.ch |
|---|---|---|
| Home improvement | Yes | Yes |
The bill, worked out
Borrow a typical amount over a typical term (estimate at the stated APR)
DKB (Deutsche Kreditbank)
1,114.11
1,114.11
LEND.ch
676.74 to 1,609.43
676.74 to 1,609.43
LEND.ch comes out 437.37 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Also worth a look
Prestamiau ES has apr at 0% to 36%, against 6.99% for DKB (Deutsche Kreditbank) and 4.3% to 9.96% for LEND.ch.
Prestamiau ES reviewWhat we checked
DKB (Deutsche Kreditbank)
- dkb.de: 17 facts, checked September 26, 2026
- de.wikipedia.org: 1 fact, checked September 26, 2026
LEND.ch
- lend.ch: 15 facts, checked September 26, 2026
How they place
| Ranking | DKB (Deutsche Kreditbank) | LEND.ch |
|---|---|---|
| Loans | 16 of 2043 | 111 of 2043 |
| Personal loans | 13 of 1317 | 95 of 1317 |
| Mortgages | 2 of 853 | 10 of 853 |
Every fact side by side
| Fact | DKB (Deutsche Kreditbank) | LEND.ch |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Travel | Not confirmed |
| Legal entity | Deutsche Kreditbank AG | Switzerlend AG (CHE-456.445.646) |
| Headquarters | Germany | Switzerland |
| Founded | 1990Lower | 2015 |
| Support channels | Email, Help centre | Email, Chat, Help centreCovers more |
Brokers
| Fact | DKB (Deutsche Kreditbank) | LEND.ch |
|---|---|---|
| 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) | LEND.ch |
|---|---|---|
| Monthly fee | €0 | Not confirmed |
| Card type | Debit | Not confirmed |
| Card network | Visa | Not confirmed |
Savings
| Fact | DKB (Deutsche Kreditbank) | LEND.ch |
|---|---|---|
| Deposit protection | EU DGS up to EUR 100,000 | Not confirmed |
Mortgages
| Fact | DKB (Deutsche Kreditbank) | LEND.ch |
|---|---|---|
| Fixed period | 5 to 30 years | Not confirmed |
| Purpose | Purchase, Remortgage | Purchase, Equity release, Home equity |
Where each stands against the rest
| Fact | DKB (Deutsche Kreditbank) | LEND.ch | Median |
|---|---|---|---|
| APR | 6.99%below the median | 4.3% to 9.96%lowest quarter | 9.99% |
| Term | 12 to 120 monthshighest quarter | 12 to 84 monthsabove 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.
LEND.ch
Pros
- Loans from from CHF 10,000 over terms of 12 to 84 cover a wide spread of personal needs.
- Pricing compares well with the 14.43% median across personal loans on the site.
- Borrowing covers personal, debt consolidation and car, and the mortgage side runs to purchase, equity release and home equity, so property and personal plans sit together.
Cons
- The arrangement fee is an origination fee, score-dependent and charged for the whole loan term, then deducted from the payout, so the amount received is lower than the amount borrowed.
- Support runs on email, chat and help centre only.
- Eligibility is narrow: a regular income and a Swiss bank account are required, with Swiss residents on permanent employment the named case.
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.
LEND.ch
Who it suits
- Swiss residents with permanent employment and a regular income who want to compare lender offers rather than a single product.
- Borrowers consolidating debt, financing a car, funding study costs or covering home improvement.
- Homeowners weighing purchase, equity release or home equity borrowing in the same place.
Who should look elsewhere
- Borrowers outside Switzerland who want another market and currency: Cashspace runs at PHP 12 to PHP 36.
- Readers who cannot meet the Swiss bank account rule and want euro amounts from from €12,000.
- Applicants with a weaker credit profile who accept a higher rate: Sofkredit runs at 10.74% to 18.06%.
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) | LEND.ch |
|---|---|---|
| Germany | Yes | No |
| Switzerland | 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.
LEND.ch
What rate do I pay on a LEND.ch personal loan?+
Effective interest rates run 4.3% to 9.96%, depending on your credit profile, so the strongest applicants pay the least. A hard credit check sits behind the application, and the score it returns is what drives the rate you are quoted and the fee you are charged.
How much can I borrow?+
Loans start at from CHF 10,000 and run over terms of 12 to 84. The origination fee is score-dependent and charged for the whole loan term, then deducted from the payout, so the money landing in your account is less than the amount borrowed.
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