Updated September 28, 2026 · SumCue Editorial Team
DKB (Deutsche Kreditbank) vs Prestapuffin
DKB (Deutsche Kreditbank)
Higher score in this comparison
Prestapuffin
DKB (Deutsche Kreditbank) vs Prestapuffin: the differences
| Compare | DKB (Deutsche Kreditbank)ReviewVisitVisit | PrestapuffinReviewVisitVisit |
|---|---|---|
| APR | 6.99% | 0% to 36%Lower |
| Loan amount | €2,500 to €100,000Higher | €100 to €5,000 |
| Term | 12 to 120 monthsHigher | 2 to 60 months |
| Funding time | Privatkredit Sofort: usually within 30 minutes; Privatkredit Klassisch: within 1-2 days | Deposited straight to your bank account immediately |
| 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 1,000 loan over 24 months at 35% fixed annual interest, monthly payment about EUR 58.52, total about EUR 1,404.45 |
| 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 | Residents of Spain aged 18-80 with email address and mobile number |
| Loan types | Personal, Car, Debt consolidationCovers more | Personal |
| Arrangement fee | Not confirmed | 0 EUR (no commissions) |
| Credit check | Soft prequal | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | Not confirmed | 0% |
| Credit needed | Not confirmed | Fair |
| Use cases | Home improvement | Not confirmed |
Same on both: Rate type (Fixed).
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Key differences
- DKB (Deutsche Kreditbank) scores higher overall: 9.0 vs 8.9.
- APR is lower at Prestapuffin: 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 2 to 60 months.
- Support channels: only DKB (Deutsche Kreditbank) offers Help centre.
- Features: only DKB (Deutsche Kreditbank) offers Travel.
- Features: only Prestapuffin offers Same day funding.
- Loan types: only DKB (Deutsche Kreditbank) offers Car, Debt consolidation.
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.
Prestapuffin
Prestapuffin suits Spanish residents who want a fixed rate personal loan of €100 to €5,000, funded into the bank account immediately with 0 EUR (no commissions) to arrange. Its rate of 0% to 36% runs wider than the site median 15.5%, and the firm is a broker, not the lender.
Score breakdown
| Area | DKB (Deutsche Kreditbank) | Prestapuffin |
|---|---|---|
| Cost | 8.9Card annual fee €29.88 against site median €0; the current account and depot charge €0 and €0. | 9.7Higher |
| Offer | 8.7Higher | 8.4 |
| Trust | 9.1Higher | 8.5 |
Feature by feature
| Loan types | DKB (Deutsche Kreditbank) | Prestapuffin |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | Yes | No |
| Car | Yes | No |
What it costs in practice
Borrow a typical amount over a typical term (estimate at the stated APR)
DKB (Deutsche Kreditbank)
557.05
557.05
Prestapuffin
0 to 3,244.68
0 to 3,244.68
Prestapuffin comes out 557.05 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Where these facts come from
DKB (Deutsche Kreditbank)
- dkb.de: 17 facts, checked September 26, 2026
- de.wikipedia.org: 1 fact, checked September 26, 2026
Prestapuffin
- prestapuffin.com: 17 facts, checked September 26, 2026
How they place
| Ranking | DKB (Deutsche Kreditbank) | Prestapuffin |
|---|---|---|
| Loans | 16 of 2043 | 8 of 2043 |
| Personal loans | 13 of 1317 | 5 of 1317 |
Every fact side by side
| Fact | DKB (Deutsche Kreditbank) | Prestapuffin |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Travel | Same day funding |
| Legal entity | Deutsche Kreditbank AG | Atlantix Media Inc |
| Headquarters | Germany | Canada |
| Founded | 1990 | Not confirmed |
| Support channels | Email, Help centreCovers more |
Brokers
| Fact | DKB (Deutsche Kreditbank) | Prestapuffin |
|---|---|---|
| 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) | Prestapuffin |
|---|---|---|
| Monthly fee | €0 | Not confirmed |
| Card type | Debit | Not confirmed |
| Card network | Visa | Not confirmed |
Savings
| Fact | DKB (Deutsche Kreditbank) | Prestapuffin |
|---|---|---|
| Deposit protection | EU DGS up to EUR 100,000 | Not confirmed |
Mortgages
| Fact | DKB (Deutsche Kreditbank) | Prestapuffin |
|---|---|---|
| Fixed period | 5 to 30 years | Not confirmed |
| Purpose | Purchase, Remortgage | Not confirmed |
Where each stands against the rest
| Fact | DKB (Deutsche Kreditbank) | Prestapuffin | 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 | 2 to 60 monthsat the median | 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.
Prestapuffin
Pros
- Arranging the loan costs 0 EUR (no commissions), so nothing is taken for setting it up.
- The rate is fixed, so the instalment does not move with the market.
- Funding is quick: Deposited straight to your bank account immediately.
Cons
- The top of 0% to 36% sits above the site median 15.5%, so a longer term carries more interest than a tighter band would.
- Support runs on email only, so there is no phone line for a borrower who cannot resolve a written thread.
- Being a broker means the contract and the credit decision sit with a partner rather than with the company you apply to.
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.
Prestapuffin
Who it suits
- Spanish residents within a stated age band who hold an email address and a mobile number, as the eligibility rule requires.
- Borrowers with fair credit who want a fixed rate instalment loan rather than a revolving credit line.
- People who need the money the same day: Deposited straight to your bank account immediately.
Who should look elsewhere
- Anyone borrowing a large sum: Creduma ES works at from €12,000, well above the €100 to €5,000 ceiling here.
- Rate shoppers: Sofkredit lends at 10.74% to 18.06%, below the top of Prestapuffin's 0% to 36%.
- Borrowers living outside Spain, where Cashspace lends in Philippine pesos at PHP 12 to PHP 36 and Prestapuffin's eligibility covers residents of Spain only.
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) | Prestapuffin |
|---|---|---|
| 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.
Prestapuffin
What rate will I pay on a Prestapuffin loan?+
The rate is 0% to 36% and it is fixed, so the instalment holds steady instead of moving with the market. Setting the loan up costs 0 EUR (no commissions), which leaves interest as the only charge. The published example shows monthly instalments at a fixed annual rate and a total repaid above the amount lent.
What will a loan cost me in total?+
Interest is the cost here and the annual rate is 0% to 36%. The example the company publishes runs at a fixed annual interest rate, repaid in equal monthly instalments, with the total repaid higher than the amount borrowed. Work that total out over 2 to 60 of instalments before you commit, because a longer term carries more interest on the same balance.
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