Updated September 28, 2026 · SumCue Editorial Team
DKB (Deutsche Kreditbank) vs Que Prestamo
DKB (Deutsche Kreditbank)
Higher score in this comparison
Que Prestamo
DKB (Deutsche Kreditbank) vs Que Prestamo: the differences
| Compare | DKB (Deutsche Kreditbank)ReviewVisitVisit | Que PrestamoReviewVisitVisit |
|---|---|---|
| APR | 6.99%Lower | 7% to 35% |
| Loan amount | €2,500 to €100,000Higher | €5,000 |
| Term | 12 to 120 monthsHigher | 1 to 72 months |
| Funding time | Privatkredit Sofort: usually within 30 minutes; Privatkredit Klassisch: within 1-2 days | Approval in 5 minutes, money in your account in 15 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 | 5,000 EUR over 24 months: 4,825 EUR received, 5,482.17 EUR total repayable at 9.38% TAE |
| 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, valid DNI or NIE, current account in your own name, active mobile number; residents of Spain, no guarantors required |
| Loan types | Personal, Car, Debt consolidationCovers more | Personal |
| Arrangement fee | Not confirmed | 3.5% of the loan amount, deducted from the disbursed amount (loan processing fees of the financial entity) |
| Credit check | Soft prequal | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | Not confirmed | 3.5% |
| Use cases | Home improvement | Not confirmed |
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Key differences
- DKB (Deutsche Kreditbank) scores higher overall: 9.0 vs 8.6.
- APR is lower at DKB (Deutsche Kreditbank): 6.99% vs 7% to 35%.
- Loan amount is higher at DKB (Deutsche Kreditbank): €2,500 to €100,000 vs €5,000.
- Term is higher at DKB (Deutsche Kreditbank): 12 to 120 months vs 1 to 72 months.
- Support channels: only DKB (Deutsche Kreditbank) offers Help centre.
- Features: only DKB (Deutsche Kreditbank) offers Travel.
- Features: only Que Prestamo 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.
Que Prestamo
Que Prestamo suits Spanish residents who want a personal loan paid out the same day and can cover a fee taken off the top. Its cost picture is the weak point: the annual percentage rate runs 7% to 35%, and the fee of 3.5% is deducted from the amount disbursed.
Score breakdown
| Area | DKB (Deutsche Kreditbank) | Que Prestamo |
|---|---|---|
| Cost | 8.9HigherCard annual fee €29.88 against site median €0; the current account and depot charge €0 and €0. | 8.8Annual percentage rate of 7% to 35% plus an arrangement fee of 3.5% taken off the amount before it reaches the account. |
| Offer | 8.7 | 8.7 |
| Trust | 9.1Higher | 8.5 |
From lowest to highest
| Fact | DKB (Deutsche Kreditbank) | Que Prestamo |
|---|---|---|
| Term | 12 to 120 months | 1 to 72 months |
Where they rank in our lists
| Ranking | DKB (Deutsche Kreditbank) | Que Prestamo |
|---|---|---|
| Loans | 16 of 2043 | 9 of 2043 |
| Personal loans | 13 of 1317 | 6 of 1317 |
Sources behind this comparison
DKB (Deutsche Kreditbank)
- dkb.de: 17 facts, checked September 26, 2026
- de.wikipedia.org: 1 fact, checked September 26, 2026
Que Prestamo
- queprestamo.com: 14 facts, checked September 26, 2026
Every fact side by side
| Fact | DKB (Deutsche Kreditbank) | Que Prestamo |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Travel | Same day funding |
| Legal entity | Deutsche Kreditbank AG | Leads for Finance S.L.U. |
| Headquarters | Germany | Spain |
| Founded | 1990 | Not confirmed |
| Support channels | Email, Help centreCovers more |
Brokers
| Fact | DKB (Deutsche Kreditbank) | Que Prestamo |
|---|---|---|
| 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) | Que Prestamo |
|---|---|---|
| Monthly fee | €0 | Not confirmed |
| Card type | Debit | Not confirmed |
| Card network | Visa | Not confirmed |
Savings
| Fact | DKB (Deutsche Kreditbank) | Que Prestamo |
|---|---|---|
| Deposit protection | EU DGS up to EUR 100,000 | Not confirmed |
Mortgages
| Fact | DKB (Deutsche Kreditbank) | Que Prestamo |
|---|---|---|
| Fixed period | 5 to 30 years | Not confirmed |
| Purpose | Purchase, Remortgage | Not confirmed |
Where each stands against the rest
| Fact | DKB (Deutsche Kreditbank) | Que Prestamo | Median |
|---|---|---|---|
| APR | 6.99%below the median | 7% to 35%below the median | 9.99% |
| Loan amount | €2,500 to €100,000highest quarter | €5,000below the median | €40,000 |
| Term | 12 to 120 monthshighest quarter | 1 to 72 monthsabove the median | 60 |
| Origination fee (%) | Not confirmed | 3.5%highest quarter | 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.
Que Prestamo
Pros
- Approval in Approval in 5 minutes, money in your account in 15 minutes, so a same day loan is realistic for anyone in a hurry
- No guarantor needed, which widens who can qualify
- Personal loans up to €5,000 and terms of 1 to 72 cover short and long borrowings
Cons
- The arrangement fee of 3.5% is deducted from the disbursed amount, so you receive less than the amount approved
- Rates of 7% to 35% sit well above Sofkredit at 10.74% to 18.06%
- Support runs on email only, so there is no phone or chat line for a live loan query
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.
Que Prestamo
Who it suits
- Residents of Spain with a current account in their own name and an active mobile number
- Adults with a valid DNI or NIE who can cover a fee taken off the loan amount
- Borrowers who need money in the account the same day rather than at the end of the week
Who should look elsewhere
- Anyone who wants the full approved amount in the account, since the fee is deducted first
- Borrowers wanting a low rate, where Sofkredit at 10.74% to 18.06% is the cheaper comparison
- Larger sums, since Creduma ES offers amounts from from €12,000
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) | Que Prestamo |
|---|---|---|
| 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.
Que Prestamo
What does Que Prestamo cost to borrow?+
The annual percentage rate runs 7% to 35% on personal loans. On top of that, an arrangement fee of 3.5% of the loan amount is charged as loan processing fees of the financial entity, and it is taken off the amount disbursed rather than billed separately.
How much money actually lands in my account?+
Less than the amount approved, because the arrangement fee of 3.5% is deducted from the disbursed amount. The representative example shows this clearly, with the amount received lower than the amount borrowed and the total repayable higher again once interest is added.
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