Updated September 28, 2026 · SumCue Editorial Team
DKB (Deutsche Kreditbank) vs Prestalo
DKB (Deutsche Kreditbank)
Higher score in this comparison
Prestalo
Where DKB (Deutsche Kreditbank) and Prestalo differ
| Compare | DKB (Deutsche Kreditbank)ReviewVisitVisit | PrestaloReviewVisitVisit |
|---|---|---|
| APR | 6.99% | 4.1% to 30%Lower |
| Loan amount | €2,500 to €100,000 | €500 to €100,000 |
| Term | 12 to 120 months | 1 to 120 months |
| Credit check | Soft prequal | Hard |
| Funding time | Privatkredit Sofort: usually within 30 minutes; Privatkredit Klassisch: within 1-2 days | Money transferred to your bank account, normally within 24 to 48 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 | EUR 5,000 loan repaid over 60 months, fixed annual interest 6.11%, TAE 6.28%, monthly payment 96.62 EUR, no opening or early-repayment fee, total repayable 5,815.20 EUR |
| Lender type | Direct lender | Broker |
| 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 | 18 or over, resident in Spain, valid DNI or NIE, stable sufficient income |
| Loan types | Personal, Car, Debt consolidation | Personal, Payday, Car, Debt consolidation, SecuredCovers more |
| Arrangement fee | Not confirmed | 0 EUR |
| Credit needed | Not confirmed | Good |
Same on both: Rate type (Fixed), Free early repayment (Yes), Use cases (Home improvement).
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Key differences
- DKB (Deutsche Kreditbank) scores higher overall: 9.0 vs 8.9.
- Founded is lower at DKB (Deutsche Kreditbank): 1990 vs 2018.
- APR is lower at Prestalo: 4.1% to 30% vs 6.99%.
- Support channels: only Prestalo offers Chat, Phone.
- Features: only DKB (Deutsche Kreditbank) offers Travel.
- Features: only Prestalo offers Same day funding.
- Loan types: only Prestalo offers Payday, 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.
Prestalo
Prestalo suits Spanish residents who want a fee-free personal loan fixed at fixed rates, with money in the bank account normally within a day or two. It suits a single market only, since eligibility is limited to Spain and a hard credit check applies.
Score breakdown
| Area | DKB (Deutsche Kreditbank) | Prestalo |
|---|---|---|
| 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 | 9.1HigherFees are 0 EUR on personal loans and €0 on the mortgage, with early repayment free. |
| Trust | 9.1Higher | 8.4 |
Licences and countries
| Country | DKB (Deutsche Kreditbank) | Prestalo |
|---|---|---|
| Spain | Not confirmed | Registro Estatal de Intermediarios Financieros 878/2018, seccion segunda |
Additional countries for DKB (Deutsche Kreditbank): 1. Additional countries for Prestalo: 1.
How they place
| Ranking | DKB (Deutsche Kreditbank) | Prestalo |
|---|---|---|
| Loans | 16 of 2043 | 66 of 2043 |
| Personal loans | 13 of 1317 | 55 of 1317 |
| Mortgages | 2 of 853 | 5 of 853 |
Every fact side by side
| Fact | DKB (Deutsche Kreditbank) | Prestalo |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Travel | Same day funding |
| Legal entity | Deutsche Kreditbank AG | PRESTALO ONLINE, S.L. |
| Headquarters | Germany | Spain |
| Founded | 1990Lower | 2018 |
| Support channels | Email, Help centre | Email, Chat, Phone, Help centreCovers more |
Brokers
| Fact | DKB (Deutsche Kreditbank) | Prestalo |
|---|---|---|
| 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) | Prestalo |
|---|---|---|
| Monthly fee | €0 | Not confirmed |
| Card type | Debit | Not confirmed |
| Card network | Visa | Not confirmed |
Savings
| Fact | DKB (Deutsche Kreditbank) | Prestalo |
|---|---|---|
| Deposit protection | EU DGS up to EUR 100,000 | Not confirmed |
Mortgages
| Fact | DKB (Deutsche Kreditbank) | Prestalo |
|---|---|---|
| Initial rate | Not confirmed | 2.36% |
| APRC | Not confirmed | 2.97% |
| Fixed period | 5 to 30 yearsHigher | 25 years |
| Maximum loan to value | Not confirmed | 80% |
| Product fee | Not confirmed | €0 |
| Purpose | Purchase, Remortgage | Purchase, Remortgage |
Where each stands against the rest
| Fact | DKB (Deutsche Kreditbank) | Prestalo | Median |
|---|---|---|---|
| APR | 6.99%below the median | 4.1% to 30%lowest quarter | 9.99% |
| Loan amount | €2,500 to €100,000highest quarter | €500 to €100,000highest quarter | €40,000 |
| Term | 12 to 120 monthshighest quarter | 1 to 120 monthshighest 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.
Prestalo
Pros
- No arrangement fee on personal loans: 0 EUR.
- Early repayment is free, so clearing the balance early costs nothing extra.
- Personal loans run €500 to €100,000 and 1 to 120, so borrowers can size the loan and the term to suit them.
Cons
- The rate is fixed rather than variable, so fixed pricing cannot fall the way a variable rate can.
- A hard credit check applies, hard, so an application creates a full credit file search.
- Prestalo works as a broker, broker, so the lender named in the offer is the party you repay and Prestalo sits in between.
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.
Prestalo
Who it suits
- Spanish residents with a steady income, since eligibility is open to adults living in Spain with valid DNI or NIE paperwork and stable sufficient income.
- Borrowers who plan to clear the balance early, since free early repayment means overpaying costs no extra charge.
- People who want no arrangement fee, because the origination fee is 0 EUR on personal loans.
Who should look elsewhere
- Anyone outside Spain, since eligibility is tied to residence in Spain and a valid DNI or NIE. Creduma ES also serves euro borrowers, so compare that market.
- People building a credit file from scratch, because the credit check is hard, hard, and a good credit record is expected, good.
- Anyone wanting a variable rate, since the rate type is fixed, fixed. Sofkredit quotes 10.74% to 18.06%, so check that market if falling rates matter more than certainty.
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) | Prestalo |
|---|---|---|
| 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.
Prestalo
What does a Prestalo personal loan cost?+
The annual percentage rate runs 4.1% to 30% and the rate is fixed, so payments stay level. The origination fee is 0 EUR, and early repayment is free, so clearing the balance early adds nothing. Interest is the cost of the loan.
How long does a Prestalo loan take to arrive?+
Money is transferred to your bank account, normally within a day or two, and same-day funding is listed as a feature, same day funding. Because Prestalo is a broker, the pace depends on the lender it places the application with. Plan on a short wait rather than an instant transfer.
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