Updated September 28, 2026 · SumCue Editorial Team
DKB (Deutsche Kreditbank) vs Oney Prestamos
DKB (Deutsche Kreditbank)
Higher score in this comparison
Oney Prestamos
What sets them apart
| Compare | DKB (Deutsche Kreditbank)ReviewVisitVisit | Oney PrestamosReviewVisitVisit |
|---|---|---|
| Annual fee | €29.88 | €10Lower |
| Rewards type | None | Points |
| Perks | 3 free digital newspapers/magazines monthly via Digital Kiosk, Emergency card and emergency cash if lost abroad, Visa Secure authentication for online purchases, Card Control for transaction alerts and security settings, Worldwide fee free payments and cash withdrawals at Visa points | Discounts on fuel at Alcampo service stations, Exclusive points and discounts on purchases, 3x 4x Oney deferred payment from 3 up to 12 instalments with your own bank card, Transferencia Directa: transfer money from the card to your bank account when you need it, Free card replacement request and insurance options such as Multiproteccion from 2 EUR per month |
| APR | 6.99% | Not confirmed |
| Currency conversion fee | Not confirmed | 1% |
| Rewards rate | Not confirmed | 5 EUR voucher per 250 EUR of purchases (Tarjeta VISA Club Leroy Merlin) |
Same on both: Card kind (Credit).
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Key differences
- DKB (Deutsche Kreditbank) scores higher overall: 9.0 vs 8.9.
- Annual fee is lower at Oney Prestamos: €10 vs €29.88.
- Perks: only DKB (Deutsche Kreditbank) offers 3 free digital newspapers/magazines monthly via Digital Kiosk, Emergency card and emergency cash if lost abroad, Visa Secure authentication for online purchases.
- Perks: only Oney Prestamos offers Discounts on fuel at Alcampo service stations, Exclusive points and discounts on purchases, 3x 4x Oney deferred payment from 3 up to 12 instalments with your own bank card.
- Support channels: only DKB (Deutsche Kreditbank) offers Email.
- Support channels: only Oney Prestamos offers Phone.
- Pricing model: only DKB (Deutsche Kreditbank) offers Fixed rate.
- Pricing model: only Oney Prestamos offers Monthly.
- Features: only DKB (Deutsche Kreditbank) offers Travel.
- Features: only Oney Prestamos offers Rewards.
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.
Oney Prestamos
Oney Prestamos is a direct lender in Spain handing out personal, car, student and buy now pay later loans of €1,000 to €45,000 to people who already hold the card. It suits existing Oney customers who want a decision after a short wait, not borrowers shopping a long fixed term loan.
Score breakdown
| Area | DKB (Deutsche Kreditbank) | Oney Prestamos |
|---|---|---|
| Cost | 8.9HigherCard annual fee €29.88 against site median €0; the current account and depot charge €0 and €0. | 8.3Opening a loan costs 3% of financed capital (apertura) and free early repayment is no, so costs score low. |
| Offer | 8.7 | 9.0Higher |
| Trust | 9.1 | 9.4Higher |
How they place
| Ranking | DKB (Deutsche Kreditbank) | Oney Prestamos |
|---|---|---|
| Loans | 16 of 2043 | 1 of 2043 |
| Personal loans | 13 of 1317 | 1 of 1317 |
Availability and regulation
| Country | DKB (Deutsche Kreditbank) | Oney Prestamos |
|---|---|---|
| Spain | Not confirmed | Banco de España 8814 |
Additional countries for DKB (Deutsche Kreditbank): 1. Additional countries for Oney Prestamos: 1.
Which one suits you
Pick DKB (Deutsche Kreditbank) if cost matter most.
Pick Oney Prestamos if offer, trust, and annual fee matter most.
Also worth a look
bunq Spain has annual fee at €0, against €29.88 for DKB (Deutsche Kreditbank) and €10 for Oney Prestamos.
bunq Spain reviewWhat we checked
DKB (Deutsche Kreditbank)
- dkb.de: 11 facts, checked September 26, 2026
- de.wikipedia.org: 1 fact, checked September 26, 2026
Oney Prestamos
- oney.es: 12 facts, checked September 26, 2026
Every fact side by side
| Fact | DKB (Deutsche Kreditbank) | Oney Prestamos |
|---|---|---|
| Pricing model | Fixed rate | Monthly |
| Features | Travel | Rewards |
| Audience | Kids | Business |
| Legal entity | Deutsche Kreditbank AG | Oney Servicios Financieros E.F.C., S.A.U (CIF A-83113324) |
| Headquarters | Germany | Spain |
| Founded | 1990 | Not confirmed |
| Support channels | Email, Help centre | Help centre, Phone |
Loans
| Fact | DKB (Deutsche Kreditbank) | Oney Prestamos |
|---|---|---|
| Loan amount | €2,500 to €100,000Higher | €1,000 to €45,000 |
| Term | 12 to 120 months | Not confirmed |
| Arrangement fee | Not confirmed | 3% of financed capital (apertura) |
| Credit check | Soft prequal | Hard |
| Funding time | Privatkredit Sofort: usually within 30 minutes; Privatkredit Klassisch: within 1-2 days | Decision within 48 h, then money sent to the account you choose |
| 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 |
| Rate type | Fixed | Not confirmed |
| Lender type | Direct lender | Direct lender |
| Free early repayment | YesHas it | No |
| 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 | Must be of legal age and have no unpaid debts; from 1,000 EUR for existing Oney customers, 6,000 EUR for new customers |
| Origination fee (%) | Not confirmed | 3% |
| Loan types | Personal, Car, Debt consolidation | Personal, Car, Student, BNPL |
| Use cases | Home improvement | Home improvement |
Brokers
| Fact | DKB (Deutsche Kreditbank) | Oney Prestamos |
|---|---|---|
| Account fee | €0 | Not confirmed |
| Markets | Stocks, ETFs, Funds, Bonds | Not confirmed |
| Platforms | Web Banking, DKB App | Not confirmed |
Debit cards
| Fact | DKB (Deutsche Kreditbank) | Oney Prestamos |
|---|---|---|
| Monthly fee | €0 | Not confirmed |
| Card type | Debit | Not confirmed |
| Card network | Visa | Not confirmed |
Savings
| Fact | DKB (Deutsche Kreditbank) | Oney Prestamos |
|---|---|---|
| Deposit protection | EU DGS up to EUR 100,000 | Not confirmed |
Mortgages
| Fact | DKB (Deutsche Kreditbank) | Oney Prestamos |
|---|---|---|
| Fixed period | 5 to 30 years | Not confirmed |
| Purpose | Purchase, Remortgage | Not confirmed |
Personal insurance
| Fact | DKB (Deutsche Kreditbank) | Oney Prestamos |
|---|---|---|
| Premium from | Not confirmed | €1,000 |
| Insurance types | Not confirmed | Health, Life, Gadget |
| Provider type | Not confirmed | Broker |
| Monthly payments | Not confirmed | Yes |
| Cover limit | Not confirmed | Up to 45,000 EUR |
| Claims channels | Not confirmed | Help centre |
| Age range | Not confirmed | Of legal age only |
Where each stands against the rest
| Fact | DKB (Deutsche Kreditbank) | Oney Prestamos | Median |
|---|---|---|---|
| Annual fee | €29.88highest quarter | €10above the median | €0 |
| APR | 6.99%below the median | Not confirmed | 11.635% |
| Currency conversion fee | Not confirmed | 1%at the median | 1% |
Median across 486 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.
Oney Prestamos
Pros
- Borrowing runs €1,000 to €45,000, and the decision comes after a short wait with the money sent to the account you choose.
- One direct lender, direct lender, covers personal, car and student loans, so the provider you apply to is the one that lends.
- It is listed with Banco de España under 8814 and based in Spain, ES.
Cons
- Opening a loan costs 3% of financed capital (apertura), and free early repayment is no, so paying a loan off in one go carries a charge.
- The credit check is hard, hard, so every application involves a full credit file search before a decision.
- The card is a credit card with €10 a year and 1% on currency conversion, so holding it has a cost of its own.
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.
Oney Prestamos
Who it suits
- Existing Oney card holders in Spain who want a personal loan of €1,000 to €45,000 decided quickly.
- Adults with a clean credit record, since the assessment is a hard credit check, hard.
- People funding home improvement, which is a stated use case, home improvement.
Who should look elsewhere
- Anyone hoping to clear a balance early, since free early repayment is no.
- Borrowers after a much larger facility: Sofkredit lends €12,000 to €300,000.
- Readers outside Spain: Cashspace lends Philippine pesos of PHP 500 to PHP 25,000 and fits a different market.
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
Oney Prestamos
Current offer
Bonus
5 EUR cheque per 250 EUR of purchases with the VISA Club Leroy Merlin card: 5 EUR per 250 EUR spent
Card purchase offer; conditions published by leroymerlin.es
Source, checked September 26, 2026
Country by country
| Country | DKB (Deutsche Kreditbank) | Oney 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.
Oney Prestamos
How much can I borrow from Oney Prestamos?+
Borrowing runs €1,000 to €45,000 from a single direct lender, and the product line covers personal, car, student and buy now pay later loans. Eligibility sets a minimum that sits lower for existing Oney customers than for new applicants, so an established card holder has more room to start small.
What fees apply when I take out a loan?+
Opening a loan adds an arrangement cost of 3% of financed capital (apertura) to the amount borrowed, and free early repayment is no, so clearing the balance ahead of schedule carries a charge. Interest itself follows the rate you are offered after applying rather than one published figure.
Other options to compare
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