Updated September 28, 2026 · SumCue Editorial Team
DKB (Deutsche Kreditbank) vs Mi Prestamo
DKB (Deutsche Kreditbank)
Mi Prestamo
Higher score in this comparison
DKB (Deutsche Kreditbank) vs Mi Prestamo: the differences
| Compare | DKB (Deutsche Kreditbank)ReviewVisitVisit | Mi PrestamoReviewVisitVisit |
|---|---|---|
| APR | 6.99%Lower | 23% |
| Loan amount | €2,500 to €100,000Higher | €200 to €3,000 |
| Term | 12 to 120 monthsHigher | 2 to 12 months |
| Credit check | Soft prequal | Hard |
| Funding time | Privatkredit Sofort: usually within 30 minutes; Privatkredit Klassisch: within 1-2 days | Within hours after approval, collected in a Mi Prestamo office or paid to your bank account |
| 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 | DNI or NIE (Spanish ID) plus proof of income required; no guarantor and no collateral; Spanish registered address |
| Loan types | Personal, Car, Debt consolidationCovers more | Personal |
| Arrangement fee | Not confirmed | Solvency assessment fee 30.00 EUR plus loan management fee 10.00 EUR plus financial risk fee 30.00 EUR (calculator default Mi Prestamo Mensual 100 EUR / 3 months) |
| 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 | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Same on both: Rate type (Fixed), Lender type (Direct lender), Free early repayment (Yes).
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Key differences
- Mi Prestamo scores higher overall: 9.1 vs 9.0.
- APR is lower at DKB (Deutsche Kreditbank): 6.99% vs 23%.
- Loan amount is higher at DKB (Deutsche Kreditbank): €2,500 to €100,000 vs €200 to €3,000.
- Term is higher at DKB (Deutsche Kreditbank): 12 to 120 months vs 2 to 12 months.
- Support channels: only Mi Prestamo offers Phone, Chat.
- Features: only DKB (Deutsche Kreditbank) offers Travel.
- Features: only Mi Prestamo offers Same day funding.
- Loan types: only DKB (Deutsche Kreditbank) offers Car, Debt consolidation.
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.
Mi Prestamo
Mi Prestamo is a Spanish direct lender aimed at small, short personal loans repaid quickly, with cash in hand or in your account within hours of approval. The catch is price: the APR of 23% runs high for the market, and the arrangement fee adds charges on top of the interest.
Score breakdown
| Area | DKB (Deutsche Kreditbank) | Mi Prestamo |
|---|---|---|
| Cost | 8.9Card annual fee €29.88 against site median €0; the current account and depot charge €0 and €0. | 8.9APR of 23% sits above the 14.43% site median, and the arrangement fee adds charges on top of interest. |
| Offer | 8.7 | 9.0Higher |
| Trust | 9.1 | 9.4Higher |
What each covers
| Loan types | DKB (Deutsche Kreditbank) | Mi Prestamo |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | Yes | No |
| Car | Yes | No |
A third option
Sofkredit has loan amount at €12,000 to €300,000, against €2,500 to €100,000 for DKB (Deutsche Kreditbank) and €200 to €3,000 for Mi Prestamo.
Sofkredit reviewHow they place
| Ranking | DKB (Deutsche Kreditbank) | Mi Prestamo |
|---|---|---|
| Loans | 16 of 2043 | 10 of 2043 |
| Personal loans | 13 of 1317 | 7 of 1317 |
Every fact side by side
| Fact | DKB (Deutsche Kreditbank) | Mi Prestamo |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Travel | Same day funding |
| Legal entity | Deutsche Kreditbank AG | Easy Asset Management Iberia S.L. |
| Headquarters | Germany | Spain |
| Founded | 1990 | Not confirmed |
| Support channels | Email, Help centre | Phone, Chat, Email, Help centreCovers more |
Brokers
| Fact | DKB (Deutsche Kreditbank) | Mi Prestamo |
|---|---|---|
| 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) | Mi Prestamo |
|---|---|---|
| Monthly fee | €0 | Not confirmed |
| Card type | Debit | Not confirmed |
| Card network | Visa | Not confirmed |
Savings
| Fact | DKB (Deutsche Kreditbank) | Mi Prestamo |
|---|---|---|
| Deposit protection | EU DGS up to EUR 100,000 | Not confirmed |
Mortgages
| Fact | DKB (Deutsche Kreditbank) | Mi Prestamo |
|---|---|---|
| Fixed period | 5 to 30 years | Not confirmed |
| Purpose | Purchase, Remortgage | Not confirmed |
Where each stands against the rest
| Fact | DKB (Deutsche Kreditbank) | Mi Prestamo | Median |
|---|---|---|---|
| APR | 6.99%below the median | 23%highest quarter | 9.99% |
| Loan amount | €2,500 to €100,000highest quarter | €200 to €3,000lowest quarter | €40,000 |
| Term | 12 to 120 monthshighest quarter | 2 to 12 monthslowest quarter | 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.
Mi Prestamo
Pros
- Cash is available within hours of approval, paid into your bank account or collected at a Mi Prestamo office.
- Early repayment is free, so finishing ahead of schedule costs nothing extra.
- Eligibility needs no guarantor and no collateral, so nobody else signs and nothing is pledged.
Cons
- The APR of 23% sits above the 14.43% median for personal loans.
- The arrangement fee stacks a solvency assessment charge, a loan management charge and a financial risk charge on top of the interest.
- Terms run 2 to 12, a much shorter window than the 36 personal loan median.
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.
Mi Prestamo
Who it suits
- Borrowers in Spain with a Spanish ID, proof of income and a registered Spanish address who need a small sum quickly.
- Anyone able to clear the balance early, since early repayment carries no extra charge.
- Readers comfortable with a hard credit check and a short fixed repayment schedule.
Who should look elsewhere
- Readers who want a cheaper rate, since Sofkredit charges 10.74% to 18.06%.
- Borrowers after a bigger sum, because Creduma ES starts at from €12,000 and Mi Prestamo caps at €200 to €3,000.
- Shoppers in the peso market, since Cashspace quotes PHP 12 to PHP 36 in a different currency and is not a like-for-like swap.
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) | Mi Prestamo |
|---|---|---|
| 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.
Mi Prestamo
What does a Mi Prestamo loan cost me?+
The headline rate is an APR of 23%, and the arrangement fee sits on top of that interest. The calculator splits the fee into a solvency assessment fee, a loan management fee and a financial risk fee, so a small loan carries a meaningful share of charges. Early repayment is free, which softens the deal for anyone who finishes ahead of schedule.
How much can I borrow, and over what period?+
The loan runs from €200 to €3,000, with a term of 2 to 12. Because the rate is fixed, the monthly figure holds steady for the whole period and does not change if market rates move. The modest ceiling and short window shape this as a loan for a specific expense rather than a long running commitment.
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