Updated September 28, 2026 · SumCue Editorial Team
DKB (Deutsche Kreditbank) vs Sofkredit
DKB (Deutsche Kreditbank)
Higher score in this comparison
Sofkredit
DKB (Deutsche Kreditbank) vs Sofkredit: the differences
| Compare | DKB (Deutsche Kreditbank)ReviewVisitVisit | SofkreditReviewVisitVisit |
|---|---|---|
| APR | 6.99%Lower | 10.74% to 18.06% |
| Loan amount | €2,500 to €100,000 | €12,000 to €300,000Higher |
| Term | 12 to 120 months | 6 to 240 monthsHigher |
| Funding time | Privatkredit Sofort: usually within 30 minutes; Privatkredit Klassisch: within 1-2 days | 15-20 days after approval; same day as the notary signing, about one week if documentation is sent quickly |
| 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 | a 15,000 EUR loan at 9% interest over 5 years returns a total of 21,750 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 | Natural or legal persons of legal age (+18) with Spanish nationality or residence, holder of a bank account; for mortgage-guaranteed loans a property must be owned, free of charges or with at least 70% of the mortgage repaid |
| Loan types | Personal, Car, Debt consolidation | Secured, Debt consolidation, Business |
| Arrangement fee | Not confirmed | 6% to 9% of the loan; on a 15,000 EUR mortgage-guaranteed loan the commission is 900 EUR minimum and 1,350 EUR maximum, charged by the collaborating lender; Sofkredit's own service costs the user nothing |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | Not confirmed | 6% to 9% |
| Credit needed | Not confirmed | Poor |
Same on both: Credit check (Soft prequal), Use cases (Home improvement).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- DKB (Deutsche Kreditbank) scores higher overall: 9.0 vs 8.7.
- Sofkredit is available in 2 more countries.
- APR is lower at DKB (Deutsche Kreditbank): 6.99% vs 10.74% to 18.06%.
- Loan amount is higher at Sofkredit: €12,000 to €300,000 vs €2,500 to €100,000.
- Term is higher at Sofkredit: 6 to 240 months vs 12 to 120 months.
- Support channels: only Sofkredit offers Phone.
- Features: only DKB (Deutsche Kreditbank) offers Travel.
- Features: only Sofkredit offers Same day funding.
- Loan types: only DKB (Deutsche Kreditbank) offers Personal, Car.
- Loan types: only Sofkredit offers Secured, Business.
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.
Sofkredit
Sofkredit suits Spanish adults who want a substantial secured, consolidation, business or mortgage-guaranteed loan placed with a specialist lender. The published APR is 10.74% to 18.06% and a collaborating lender adds a commission, so the total repayable matters more than the headline rate.
Score breakdown
| Area | DKB (Deutsche Kreditbank) | Sofkredit |
|---|---|---|
| Cost | 8.9HigherCard annual fee €29.88 against site median €0; the current account and depot charge €0 and €0. | 8.6 |
| Offer | 8.7 | 9.4HigherAmounts of €12,000 to €300,000 at an APR of 10.74% to 18.06%, with secured, consolidation, business and mortgage-guaranteed lending and same-day funding. |
| Trust | 9.1Higher | 8.5 |
Availability and regulation
| Country | DKB (Deutsche Kreditbank) | Sofkredit |
|---|---|---|
| Italy | Not confirmed | |
| Spain | Not confirmed | Banco de Espana E020 |
Additional countries for DKB (Deutsche Kreditbank): 1. Additional countries for Sofkredit: 3.
If neither fits
Deudafix has loan amount at €5,000 to €5,000,000, against €2,500 to €100,000 for DKB (Deutsche Kreditbank) and €12,000 to €300,000 for Sofkredit.
Deudafix reviewWhat we checked
DKB (Deutsche Kreditbank)
- dkb.de: 17 facts, checked September 26, 2026
- de.wikipedia.org: 1 fact, checked September 26, 2026
Sofkredit
- sofkredit.com: 17 facts, checked September 26, 2026
How they place
| Ranking | DKB (Deutsche Kreditbank) | Sofkredit |
|---|---|---|
| Loans | 16 of 2043 | 4 of 2043 |
| Mortgages | 2 of 853 | 1 of 853 |
Every fact side by side
| Fact | DKB (Deutsche Kreditbank) | Sofkredit |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Travel | Same day funding |
| Legal entity | Deutsche Kreditbank AG | Kova Finance, S.L. |
| Headquarters | Germany | Spain |
| Founded | 1990 | Not confirmed |
| Support channels | Email, Help centre | Email, Phone, Help centreCovers more |
Brokers
| Fact | DKB (Deutsche Kreditbank) | Sofkredit |
|---|---|---|
| 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) | Sofkredit |
|---|---|---|
| Monthly fee | €0 | Not confirmed |
| Card type | Debit | Not confirmed |
| Card network | Visa | Not confirmed |
Savings
| Fact | DKB (Deutsche Kreditbank) | Sofkredit |
|---|---|---|
| Deposit protection | EU DGS up to EUR 100,000 | Not confirmed |
Mortgages
| Fact | DKB (Deutsche Kreditbank) | Sofkredit |
|---|---|---|
| Initial rate | Not confirmed | 8% to 14% |
| APRC | Not confirmed | 10.74% to 18.06% |
| Fixed period | 5 to 30 yearsHigher | 0.5 to 20 years |
| Maximum loan to value | Not confirmed | 30% |
| Product fee | Not confirmed | €900 to €1,350 |
| Purpose | Purchase, Remortgage | Home equity, Remortgage |
Where each stands against the rest
| Fact | DKB (Deutsche Kreditbank) | Sofkredit | Median |
|---|---|---|---|
| APR | 6.99%below the median | 10.74% to 18.06%above the median | 9.99% |
| Loan amount | €2,500 to €100,000highest quarter | €12,000 to €300,000highest quarter | €40,000 |
| Term | 12 to 120 monthshighest quarter | 6 to 240 monthshighest quarter | 60 |
| Origination fee (%) | Not confirmed | 6% to 9%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.
Sofkredit
Pros
- Loan amounts of €12,000 to €300,000 suit secured borrowing, debt consolidation and business finance.
- Sofkredit adds no charge of its own, while the 6% to 9% arrangement fee on mortgage-guaranteed loans is set by the collaborating lender.
- A soft prequalification check under soft prequal is gentler on a credit file than a full search.
Cons
- The collaborating lender charges an arrangement fee of 6% to 9% of the loan on top of the interest rate.
- The top of the 10.74% to 18.06% range compares with a site median of 15.5%, so the dearest outcome sits well above the middle of the market.
- Sofkredit works as a broker under broker, so the lender and the final terms sit elsewhere.
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.
Sofkredit
Who it suits
- Adults in Spain who hold Spanish nationality or residence and a bank account, and need a secured loan.
- Borrowers consolidating debt who want to start with a soft prequalification through soft prequal.
- Homeowners planning home equity or a remortgage under home equity and remortgage.
Who should look elsewhere
- Applicants outside Spain, since eligibility rests on Spanish nationality or residence and a bank account, while Cashspace at PHP 12 to PHP 36 serves another market.
- Borrowers who want the lowest headline cost, who should weigh Solcredito MX at 9.5% to 3,696% and Cashspace at PHP 12 to PHP 36 before settling.
- Anyone expecting a direct lender or a small sum, since Sofkredit works as a broker under broker and publishes amounts of €12,000 to €300,000.
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) | Sofkredit |
|---|---|---|
| France | No | Yes |
| Germany | Yes | No |
| Italy | 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.
Sofkredit
What fees do I pay through Sofkredit?+
Sofkredit adds no charge of its own. The arrangement fee of 6% to 9% of the loan is charged by the collaborating lender on mortgage-guaranteed loans, and the first example given is a €900 to €1,350 commission. Anyone budgeting here should add that commission to the interest, since it sits on top of the rate rather than inside it.
What rate and total cost should I expect?+
The published APR is 10.74% to 18.06%, and the representative example puts a real figure on repayment: a loan repaid over several years costs more in total than the amount drawn down. The rate offered sits inside that range, while the total repayable depends on the term and on the collaborating lender's fee.
Other options to compare
Other matchups
- DKB (Deutsche Kreditbank) vs Nexo
- DKB (Deutsche Kreditbank) vs Oney Prestamos
- DKB (Deutsche Kreditbank) vs Oney Préstamos ES
- Sofkredit vs myKredit
- DKB (Deutsche Kreditbank) vs Credityes
- DKB (Deutsche Kreditbank) vs Andacredito
- DKB (Deutsche Kreditbank) vs Lendela
- Sofkredit vs AU Small Finance Bank
- Sofkredit vs CHECK24
- DKB (Deutsche Kreditbank) vs LEND.ch
- DKB (Deutsche Kreditbank) vs Alior
- DKB (Deutsche Kreditbank) vs ICICI Bank
- Sofkredit vs Borrowell
- Sofkredit vs CIMB Bank