Updated September 28, 2026 · SumCue Editorial Team
DKB (Deutsche Kreditbank) vs Prestamiau ES
DKB (Deutsche Kreditbank)
Higher score in this comparison
Prestamiau ES
Where DKB (Deutsche Kreditbank) and Prestamiau ES differ
| Compare | DKB (Deutsche Kreditbank)ReviewVisitVisit | Prestamiau ESReviewVisitVisit |
|---|---|---|
| APR | 6.99% | 0% to 36%Lower |
| Loan amount | €2,500 to €100,000Higher | €100 to €5,000 |
| Term | 12 to 120 monthsHigher | 3 to 6 months |
| Funding time | Privatkredit Sofort: usually within 30 minutes; Privatkredit Klassisch: within 1-2 days | 5 minutes |
| 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 | 300 EUR loan repaid over 95 days: costs 0 EUR, total repayable 300 EUR, TAE 0% |
| 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 | Over 18, resident in Spain, own bank account, valid DNI/NIE, stable income, phone and email |
| Loan types | Personal, Car, Debt consolidationCovers more | Personal, Debt consolidation |
| Arrangement fee | Not confirmed | 0 EUR |
| Credit check | Soft prequal | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Credit needed | Not confirmed | Poor |
Same on both: Use cases (Home improvement).
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Key differences
- APR is lower at Prestamiau ES: 0% to 36% vs 6.99%.
- Loan amount is higher at DKB (Deutsche Kreditbank): €2,500 to €100,000 vs €100 to €5,000.
- Term is higher at DKB (Deutsche Kreditbank): 12 to 120 months vs 3 to 6 months.
- Features: only DKB (Deutsche Kreditbank) offers Travel.
- Features: only Prestamiau ES offers Same day funding.
- Loan types: only DKB (Deutsche Kreditbank) offers Car.
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.
Prestamiau ES
Prestamiau ES is a small, fast broker loan for adults in Spain who need a modest sum quickly, with an origination fee of 0 EUR and funding in 5 minutes. It suits urgent costs rather than planned borrowing, and the short term means the bill lands sooner than most.
Score breakdown
| Area | DKB (Deutsche Kreditbank) | Prestamiau ES |
|---|---|---|
| Cost | 8.9Card annual fee €29.88 against site median €0; the current account and depot charge €0 and €0. | 9.9Higher |
| Offer | 8.7Higher | 8.6APR runs 0% to 36% with an origination fee of 0 EUR, and poor credit is accepted, though terms are short at 3 to 6. |
| Trust | 9.1Higher | 8.5 |
Side by side, item by item
| Loan types | DKB (Deutsche Kreditbank) | Prestamiau ES |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | Yes | Yes |
| Car | Yes | No |
| Use cases | DKB (Deutsche Kreditbank) | Prestamiau ES |
|---|---|---|
| Home improvement | Yes | Yes |
Sources behind this comparison
DKB (Deutsche Kreditbank)
- dkb.de: 17 facts, checked September 26, 2026
- de.wikipedia.org: 1 fact, checked September 26, 2026
Prestamiau ES
- prestamiau.es: 15 facts, checked September 26, 2026
How they place
| Ranking | DKB (Deutsche Kreditbank) | Prestamiau ES |
|---|---|---|
| Loans | 16 of 2043 | 6 of 2043 |
| Personal loans | 13 of 1317 | 3 of 1317 |
Every fact side by side
| Fact | DKB (Deutsche Kreditbank) | Prestamiau ES |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Travel | Same day funding |
| Legal entity | Deutsche Kreditbank AG | Fininity OU |
| Headquarters | Germany | Estonia |
| Founded | 1990 | Not confirmed |
| Support channels | Email, Help centre | Email, Help centre |
Brokers
| Fact | DKB (Deutsche Kreditbank) | Prestamiau ES |
|---|---|---|
| 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) | Prestamiau ES |
|---|---|---|
| Monthly fee | €0 | Not confirmed |
| Card type | Debit | Not confirmed |
| Card network | Visa | Not confirmed |
Savings
| Fact | DKB (Deutsche Kreditbank) | Prestamiau ES |
|---|---|---|
| Deposit protection | EU DGS up to EUR 100,000 | Not confirmed |
Mortgages
| Fact | DKB (Deutsche Kreditbank) | Prestamiau ES |
|---|---|---|
| Fixed period | 5 to 30 years | Not confirmed |
| Purpose | Purchase, Remortgage | Not confirmed |
Where each stands against the rest
| Fact | DKB (Deutsche Kreditbank) | Prestamiau ES | Median |
|---|---|---|---|
| APR | 6.99%below the median | 0% to 36%lowest quarter | 9.99% |
| Loan amount | €2,500 to €100,000highest quarter | €100 to €5,000below the median | €40,000 |
| Term | 12 to 120 monthshighest quarter | 3 to 6 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.
Prestamiau ES
Pros
- Money moves fast: funding takes 5 minutes and same day funding is listed.
- The origination fee is listed as 0 EUR, and the representative example shows nothing extra to repay on a small sum.
- A thin credit file is not an automatic no, since the stated credit bar is poor.
Cons
- The term is 3 to 6, so the balance has to clear quickly and there is little room for a quiet month.
- Phone is not among the support channels, which run on email and help centre, so a repayment problem has to be put in writing.
- As a broker, the lender and the final price are set by a partner rather than by the brand you applied through.
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.
Prestamiau ES
Who it suits
- Adults living in Spain with a stable income who need a small sum released fast for a bill or a repair.
- Borrowers with a thin credit history, since the stated credit bar is poor.
- People who want the origination fee held at 0 EUR and can handle a short repayment schedule.
Who should look elsewhere
- Anyone borrowing a larger balance: Creduma ES starts at from €12,000, well beyond the €100 to €5,000 offered here.
- Borrowers who want a long schedule to lighten the monthly bill, because the term here is 3 to 6.
- People who need to talk a problem through, since phone is not among the support channels listed, which are email and help centre.
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) | Prestamiau 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.
Prestamiau ES
What does a loan from Prestamiau ES cost?+
The origination fee is listed as 0 EUR, and the representative example shows a small sum repaid over a short period with nothing added in cost and nothing extra to repay. The published range is 0% to 36%, so what you actually pay depends on the offer you receive. Ask for the total repayable figure before you sign anything.
How fast will the money arrive?+
Funding takes 5 minutes, and same day funding is listed, so a bill or a repair that is already due does not have to wait. Speed is the clearest reason to pick this broker over a slower direct lender. It suits a fixed, near-term cost rather than a purchase you can time.
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