Updated September 28, 2026 · SumCue Editorial Team
DKB (Deutsche Kreditbank) vs Prestamiau
DKB (Deutsche Kreditbank)
Higher score in this comparison
Prestamiau
Where DKB (Deutsche Kreditbank) and Prestamiau differ
| Compare | DKB (Deutsche Kreditbank)ReviewVisitVisit | PrestamiauReviewVisitVisit |
|---|---|---|
| APR | 6.99% | MX$0 to MX$36 |
| Loan amount | €2,500 to €100,000 | MX$100 to MX$20,000 |
| Term | 12 to 120 monthsHigher | 3 to 4 months |
| Funding time | Privatkredit Sofort: usually within 30 minutes; Privatkredit Klassisch: within 1-2 days | Loan obtained in 5 minutes; full process under 30 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 | 1,000 MXN at 95 days: cost 0 MXN, total to repay 1,000 MXN, CAT 0% |
| Lender type | Direct lender | Marketplace |
| 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 older, resident of Mexico, own bank account, valid INE/IFE, stable income, phone and email |
| Loan types | Personal, Car, Debt consolidationCovers more | Personal, Debt consolidation |
| Arrangement fee | Not confirmed | 0 MXN |
| Credit check | Soft prequal | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | Not confirmed | 0% |
| Credit needed | Not confirmed | Poor |
Same on both: Use cases (Home improvement).
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Key differences
- DKB (Deutsche Kreditbank) scores higher overall: 9.0 vs 8.7.
- Prestamiau is available in 1 more country.
- Term is higher at DKB (Deutsche Kreditbank): 12 to 120 months vs 3 to 4 months.
- Support channels: only DKB (Deutsche Kreditbank) offers Help centre.
- Features: only DKB (Deutsche Kreditbank) offers Travel.
- Features: only Prestamiau 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
Prestamiau suits Mexican borrowers with a poorer credit record who need a small sum in a hurry rather than a large balance. The rate runs MXN 0 to MXN 36, the arrangement fee is 0 MXN, and Loan obtained in 5 minutes; full process under 30 minutes gets money moving.
Score breakdown
| Area | DKB (Deutsche Kreditbank) | Prestamiau |
|---|---|---|
| Cost | 8.9Card annual fee €29.88 against site median €0; the current account and depot charge €0 and €0. | 9.7HigherAn 0 MXN arrangement fee and 0% on MXN 0 to MXN 36 keeps borrowing cheap. |
| Offer | 8.7Higher | 8.2 |
| Trust | 9.1Higher | 8.1 |
Availability and regulation
Additional countries for DKB (Deutsche Kreditbank): 1. Additional countries for Prestamiau: 2.
If neither fits
Sofkredit has term at 6 to 240 months, against 12 to 120 months for DKB (Deutsche Kreditbank) and 3 to 4 months for Prestamiau.
Sofkredit reviewHow they place
| Ranking | DKB (Deutsche Kreditbank) | Prestamiau |
|---|---|---|
| Loans | 16 of 2043 | 7 of 2043 |
| Personal loans | 13 of 1317 | 4 of 1317 |
Every fact side by side
| Fact | DKB (Deutsche Kreditbank) | Prestamiau |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Travel | Same day funding |
| Legal entity | Deutsche Kreditbank AG | Fininity OÜ |
| Headquarters | Germany | Estonia |
| Founded | 1990 | Not confirmed |
| Support channels | Email, Help centreCovers more |
Brokers
| Fact | DKB (Deutsche Kreditbank) | Prestamiau |
|---|---|---|
| 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 |
|---|---|---|
| Monthly fee | €0 | Not confirmed |
| Card type | Debit | Not confirmed |
| Card network | Visa | Not confirmed |
Savings
| Fact | DKB (Deutsche Kreditbank) | Prestamiau |
|---|---|---|
| Deposit protection | EU DGS up to EUR 100,000 | Not confirmed |
Mortgages
| Fact | DKB (Deutsche Kreditbank) | Prestamiau |
|---|---|---|
| Fixed period | 5 to 30 years | Not confirmed |
| Purpose | Purchase, Remortgage | Not confirmed |
Where each stands against the rest
| Fact | DKB (Deutsche Kreditbank) | Prestamiau | Median |
|---|---|---|---|
| Term | 12 to 120 monthshighest quarter | 3 to 4 monthslowest quarter | 60 |
| Origination fee (%) | Not confirmed | 0%at the median | 0% |
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
Pros
- Arrangement fee of 0 MXN and 0% on personal loans, so setting up adds nothing.
- A rate of MXN 0 to MXN 36 places Prestamiau at position 1 of 338 on cost.
- Loan obtained in 5 minutes; full process under 30 minutes, so an urgent bill can be covered the same day.
Cons
- Support runs on email only, so a payment problem is sorted in writing.
- Terms of 3 to 4 leave a short window, so the balance must clear quickly.
- Borrowing stops at MXN 100 to MXN 20,000, far below larger facilities such as Creduma ES from from €12,000.
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
Who it suits
- Adults in Mexico with their own bank account, a valid INE or IFE, a stable income, a phone and an email.
- Borrowers with poor credit, who make up 42.3% of the personal loan table.
- Anyone consolidating balances or funding a home project, given personal and debt consolidation and home improvement.
Who should look elsewhere
- Borrowers after a large balance: Creduma ES starts at from €12,000, past the MXN 100 to MXN 20,000 ceiling here.
- Readers who want a narrow rate band: Sofkredit's 10.74% to 18.06% is tighter than MXN 0 to MXN 36.
- Anyone who prefers a rate with a clear floor: Cashspace at PHP 12 to PHP 36 starts well above the MXN 0 to MXN 36 floor here.
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
Prestamiau
Current offer
First period offer
Primer prestamo sin costo para nuevos usuarios: 0% cost on the first loan (0 MXN)
New users only; representative example 1,000 MXN over 95 days, cost 0 MXN, total to repay 1,000 MXN, CAT 0%
Source, checked September 26, 2026
Country by country
| Country | DKB (Deutsche Kreditbank) | Prestamiau |
|---|---|---|
| Germany | Yes | No |
| Mexico | No | Yes |
| 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
What does a Prestamiau loan cost?+
The quoted rate is MXN 0 to MXN 36 and the arrangement fee on a personal loan is 0 MXN. The representative example shows the cost as 0 MXN and the total to repay equal to the amount borrowed, so nothing is added to the smallest case. Because MXN 0 to MXN 36 spans a wide band, the rate on a real file is set from inside that range.
Is the lender regulated and is my money protected?+
Prestamiau is a marketplace, so the contract that matters is the one with the lender it introduces you to, and that lender sets the rate and takes the repayments. Any protection arrangement sits with that lender, not with the marketplace, so check the scheme named in the offer. As a wider backdrop, retail loss runs at a median 70.15% across the lenders covered here.
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