DSK Bank review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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.
Our verdict
DSK Bank suits Bulgarian customers who want a Visa debit card, a personal loan and home, travel or life insurance from one lender. The €1.53 monthly charge and a variable APR of 7.56% make it a costlier pick than the alternatives listed, which charge nothing monthly.
Key facts
Loans
- APR
- 7.56%↗
- Loan amount
- €500 to €40,000↗
- Term
- 18 to 120 months↗
- Arrangement fee
- 0 - no fee for consideration and approval of the consumer loan↗
- Funding time
- Application response within 1 working day↗
- Representative example
- Consumer loan of 15 000 EUR over 120 months, APR 7.56%, monthly payment 171.47 EUR, total due 20 576.23 EUR↗
- Rate type
- Variable↗
- Lender type
- Direct lender↗
- Loan types
- Personal↗
- Pricing model
- No monthly fee
Personal insurance
Savings
Facts checked September 26, 2026, 11 sources
Pros and cons
Pros
- No arrangement fee for considering and approving the consumer loan.
- Support runs on phone, chat and help centre.
- A debit card on the visa network, with money available at any time and no notice period.
- Personal loans of €500 to €40,000 over 18 to 120 at an APR of 7.56%.
Cons
- A monthly fee of €1.53, where bunq, Varo Believe Secured Credit Card and Wise charge €0, $0 and £0.
- The consumer loan rate is variable, so the 7.56% shown is a starting point rather than a fixed figure.
- Insurance is sold as a broker arrangement, so cover sits with an outside provider rather than the bank itself.
Who it suits
- Customers in Bulgaria who want a debit card, a consumer loan and insurance from one lender.
- Borrowers who can live with a variable rate and want a personal loan of €500 to €40,000 with no arrangement fee.
- Seniors: the seniors insurance line adds travel assistance, and that cover carries no age limit.
Who should look elsewhere
- Cost-first shoppers: bunq, Varo Believe Secured Credit Card and Wise list monthly fees of €0, $0 and £0.
- Anyone focused on rebuilding credit: Varo Believe Secured Credit Card is a secured card, a different goal from holding a plain debit current account.
Rates and card terms
The consumer loan runs at an APR of 7.56% on a variable rate, with terms from 18 to 120. Because the rate is variable, the figure shown is a starting point rather than a fixed promise, and the shorter end of the term range keeps monthly payments lower than borrowing over the longest terms.
How DSK Bank compares
9.2 vs 9.4
9.2 vs 9.0
9.2 vs 8.9
9.2 vs 9.4
9.2 vs 8.7
9.2 vs 9.2
9.2 vs 9.4
9.2 vs 8.7
9.2 vs 9.3
9.2 vs 8.9
9.2 vs 8.6
9.2 vs 9.2
9.2 vs 8.4
9.2 vs 8.5
9.2 vs 8.8
9.2 vs 9.0
9.2 vs 8.6
9.2 vs 8.3
9.2 vs 9.5
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 8.9
9.2 vs 8.8
9.2 vs 8.7
9.2 vs 8.5
9.2 vs 8.4
9.2 vs 8.0- 9.2 vs 8.0
Where DSK Bank is available
- Available
- Bulgaria
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
How much does a DSK Bank account cost each month?+
The published tariff lists a monthly fee of €1.53 on the everyday account that carries a debit card. The alternatives compared here charge €0, $0 and £0, so the monthly cost is the clearest difference between them.
What APR does the DSK Bank consumer loan charge?+
The standard consumer loan is priced at an APR of 7.56% on a variable rate. Because the rate is variable, the figure shown can change, and terms run from 18 to 120. DSK Bank states Application response within 1 working day.
Can I take money out whenever I want?+
Yes. The account kind is easy access, and the money is available at any time with no notice period. That suits anyone who treats the balance as everyday cash rather than money set aside for a fixed term.
What support can I get from DSK Bank?+
Support runs on phone, chat and help centre, so a phone line, live chat and a help centre cover most questions. For insurance claims, the options are online claims filing and tracking, a smartphone claim survey, or a DSK Bank office.
Does DSK Bank also sell insurance?+
It does, as a broker rather than a single insurer, covering home, travel and life insurance with premiums from €2.75 a month. The seniors line pairs with travel assistance that has no age limit, and claims can be filed online, by smartphone survey or in an office.
What kind of loans does DSK Bank lend?+
It lends directly, as direct lender, and its personal loans cover €500 to €40,000 over 18 to 120. There is no arrangement fee for considering and approving the consumer loan, which suits borrowers comparing the total repaid rather than only the monthly instalment.
How does DSK Bank compare on cost with bunq, wise and Varo?+
On monthly cost DSK Bank sits above the rest: €1.53 against €0, $0 and £0. On borrowing, 7.56% sits below the 12.25% median APR across the ranked accounts here. The card side is where the gap shows.
Is DSK Bank a new bank?+
It is not new. 1951 is given as the founding year, and the legal entity is Банка ДСК АД. The card it issues is a debit card on the visa network, so the practical question is the €1.53 monthly charge rather than the age of the bank.
Sources
- dskbank.bg checked September 26, 2026
Backs: Headquarters, Legal entity, Support channels
“Bulgaria”
- dskbank.bg/%D0%B8%D0%BD%D0%B4%D0%B8%D0%B2%D0%B8%D0%B4%D1%... checked September 26, 2026
Backs: Access terms, Account kind, Pricing model
- dskbank.bg/%D0%B8%D0%BD%D0%B4%D0%B8%D0%B2%D0%B8%D0%B4%D1%... checked September 26, 2026
Backs: Founded
- dskbank.bg/docs/default-source/bank-tarrif/tariff-for-ind... checked September 26, 2026
Backs: Card type
“Debit Mastercard PayPass or Visa Debit payWave”
- dskbank.bg/docs/default-source/bank-tarrif/tarrif-for-ind... checked September 26, 2026
Backs: Monthly fee
“Standard current account with debit card issued EUR 1.53/ BGN 2.99”
- dskbank.bg/docs/default-source/cards/card-visa-debit.pdf checked September 26, 2026
Backs: Card network
“DEBIT CARDS VISA DEBIT FOR MASS CUSTOMER SEGMENT”
- dskbank.bg/en/en/individual-clients/insurance/details-ins... checked September 26, 2026
Backs: Audience, Claims channels, Provider type, Monthly payments, Premium from
“Coverage for individuals over 65 years of age.”
- dskbank.bg/en/individual-clients/about-us/for-dsk-bank checked September 26, 2026
Backs: Lender type
“DSK Bank is a subsidiary of the Hungarian Bank OTP, and a part of OTP Group”
- dskbank.bg/en/individual-clients/insurance checked September 26, 2026
Backs: Insurance types
“Sweet Home Standard Insurance, Travel Assistance Insurance, My Trip Insurance, ProtectInvest Life Insurance by Groupama”
- dskbank.bg/en/individual-clients/insurance/details-insura... checked September 26, 2026
Backs: Age range, Cover limit
“No age limit when taking out insurance”
- dskbank.bg/en/individual-clients/loans/consumer-loans/con... checked September 26, 2026
Backs: Loan amount, APR, Funding time, Loan types, Arrangement fee, Rate type, Representative example, Term
“Min. / Max. amount 500 EUR / 40 000 EUR”
Compiled from 11 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.
Related by the facts
DSK Bank
One lender for a Visa debit card, a consumer loan and insurance in Bulgaria.