Updated September 28, 2026 · SumCue Editorial Team
DKB (Deutsche Kreditbank) vs Oney Préstamos ES
DKB (Deutsche Kreditbank)
Higher score in this comparison
Oney Préstamos ES
DKB (Deutsche Kreditbank) vs Oney Préstamos ES: the differences
| Compare | DKB (Deutsche Kreditbank)ReviewVisitVisit | Oney Préstamos ESReviewVisitVisit |
|---|---|---|
| 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).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- DKB (Deutsche Kreditbank) scores higher overall: 9.0 vs 8.7.
- Annual fee is lower at Oney Préstamos ES: €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 Préstamos ES 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 Préstamos ES offers Phone, Chat, Community.
- Pricing model: only DKB (Deutsche Kreditbank) offers Fixed rate.
- Pricing model: only Oney Préstamos ES offers Monthly.
- Features: only DKB (Deutsche Kreditbank) offers Travel.
- Features: only Oney Préstamos ES 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 Préstamos ES
Oney Préstamos ES suits Spanish borrowers who want a direct online loan and can live with a decision inside a waiting period. Loan sizes run €1,000 to €45,000, the credit file is searched, and the credit is written by the brand itself rather than a panel of lenders.
Score breakdown
| Area | DKB (Deutsche Kreditbank) | Oney Préstamos ES |
|---|---|---|
| Cost | 8.9HigherCard annual fee €29.88 against site median €0; the current account and depot charge €0 and €0. | 8.6Opening fee of 3% of financed capital (apertura) on the loan, with an annual fee of €10 on the credit card. |
| Offer | 8.7 | 8.9Higher |
| Trust | 9.1Higher | 8.7 |
Cost in a real example
A year with 1,000 spent abroad
DKB (Deutsche Kreditbank)
€29.88
1 × €29.88
Oney Préstamos ES
€10
1 × €10
Oney Préstamos ES costs €19.88 less.
Excludes currency conversion fee (not stated by DKB (Deutsche Kreditbank)). Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Positions in our rankings
| Ranking | DKB (Deutsche Kreditbank) | Oney Préstamos ES |
|---|---|---|
| Loans | 16 of 2043 | 2 of 2043 |
| Personal loans | 13 of 1317 | 2 of 1317 |
Every fact side by side
| Fact | DKB (Deutsche Kreditbank) | Oney Préstamos ES |
|---|---|---|
| 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 |
| Headquarters | Germany | Spain |
| Founded | 1990 | Not confirmed |
| Support channels | Email, Help centre | Phone, Chat, Help centre, Community |
Loans
| Fact | DKB (Deutsche Kreditbank) | Oney Préstamos ES |
|---|---|---|
| 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 Préstamos ES |
|---|---|---|
| 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 Préstamos ES |
|---|---|---|
| Monthly fee | €0 | Not confirmed |
| Card type | Debit | Not confirmed |
| Card network | Visa | Not confirmed |
Savings
| Fact | DKB (Deutsche Kreditbank) | Oney Préstamos ES |
|---|---|---|
| Deposit protection | EU DGS up to EUR 100,000 | EU DGS up to EUR 100,000 |
| Access terms | Not confirmed | 100% online, no change of bank |
Mortgages
| Fact | DKB (Deutsche Kreditbank) | Oney Préstamos ES |
|---|---|---|
| Fixed period | 5 to 30 years | Not confirmed |
| Purpose | Purchase, Remortgage | Not confirmed |
Where each stands against the rest
| Fact | DKB (Deutsche Kreditbank) | Oney Préstamos ES | 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 Préstamos ES
Pros
- Access is 100% online, no change of bank, so nothing depends on a branch or a meeting.
- A decision comes within a waiting period and the money is then sent to the account of your choice, which suits a planned expense.
- Monthly payments are available, so a loan can be matched to a monthly budget rather than a single large repayment.
Cons
- The credit check is hard, so there is no soft pre-check to run first, unlike the 20.1% of the set that offer one.
- Free early repayment: no, so a plan to clear the balance sooner is worth checking against the terms first.
- An opening fee of 3% of financed capital (apertura) is charged on the amount financed, so a small borrowing carries a visible slice of it.
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 Préstamos ES
Who it suits
- Borrowers in Spain who want a personal loan handled entirely online, with no change of bank.
- Existing Oney customers, who can start below the entry point that applies to new applicants.
- People who want the card and the loan in one place, since the card perks and the lending come from the same firm.
Who should look elsewhere
- bunq Spain, listed from €0, is a bank account for holding money, not a loan of €1,000 to €45,000 repaid monthly.
- bunq, listed from €0, suits everyday card and account banking rather than a planned lump sum that needs a hard credit check.
- Linxea, starting at €25, is a savings and life insurance route for building a pot over time, not a loan settled inside a waiting period.
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 Préstamos ES
Current offer
Bonus
Ahorrar es fácil - reimbursement on Alcampo card purchases: Up to 100 EUR per year
Plan "Ahorrar es fácil", only for purchases paid with the Oney Alcampo card in Alcampo centres
Source, checked September 26, 2026
Country by country
| Country | DKB (Deutsche Kreditbank) | Oney Préstamos ES |
|---|---|---|
| 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 Préstamos ES
How much can I borrow from Oney Préstamos ES?+
Borrowing runs €1,000 to €45,000, and the entry point is lower for existing Oney customers than for new applicants. The application is 100% online, no change of bank, and a decision comes within a waiting period before the money is sent to the account you choose.
What does it cost to take out a loan?+
The main charge is an opening fee of 3% of financed capital (apertura) on the amount financed, taken when the loan is set up rather than spread across the instalments. Free early repayment: no, so the planned monthly route is the cheapest way to finish.
Other options to compare
Other matchups
- DKB (Deutsche Kreditbank) vs Nexo
- DKB (Deutsche Kreditbank) vs Oney Prestamos
- Oney Préstamos ES vs myKredit
- DKB (Deutsche Kreditbank) vs Sofkredit
- DKB (Deutsche Kreditbank) vs Credityes
- DKB (Deutsche Kreditbank) vs Andacredito
- DKB (Deutsche Kreditbank) vs Lendela
- DKB (Deutsche Kreditbank) vs LEND.ch
- DKB (Deutsche Kreditbank) vs Alior
- DKB (Deutsche Kreditbank) vs ICICI Bank