Updated September 28, 2026 · SumCue Editorial Team
ICICI Bank vs Prestalo
ICICI Bank
Higher score in this comparison
Prestalo
Where ICICI Bank and Prestalo differ
| Compare | ICICI BankReviewVisitVisit | PrestaloReviewVisitVisit |
|---|---|---|
| APR | 9.99% to 16.5% | 4.1% to 30%Lower |
| Loan amount | ₹50,000 to ₹5,000,000 | €500 to €100,000 |
| Term | 12 to 72 months | 1 to 120 monthsHigher |
| Arrangement fee | Up to 2% of loan amount plus taxes (Personal Loan processing charge) | 0 EUR |
| Funding time | Instant disbursement | Money transferred to your bank account, normally within 24 to 48 hours |
| Rate type | Variable | Fixed |
| Lender type | Direct lender | Broker |
| Free early repayment | No | YesHas it |
| Eligibility | Indian citizens aged 18-58 years; salaried minimum monthly income 30,000 rupees | 18 or over, resident in Spain, valid DNI or NIE, stable sufficient income |
| Loan types | Personal, Debt consolidation | Personal, Payday, Car, Debt consolidation, SecuredCovers more |
| Representative example | Not confirmed | EUR 5,000 loan repaid over 60 months, fixed annual interest 6.11%, TAE 6.28%, monthly payment 96.62 EUR, no opening or early-repayment fee, total repayable 5,815.20 EUR |
| Origination fee (%) | 2% | Not confirmed |
Same on both: Credit check (Hard), Credit needed (Good), Use cases (Home improvement).
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Key differences
- Founded is lower at ICICI Bank: 1994 vs 2018.
- APR is lower at Prestalo: 4.1% to 30% vs 9.99% to 16.5%.
- Free early repayment: only Prestalo.
- Term is higher at Prestalo: 1 to 120 months vs 12 to 72 months.
- Support channels: only Prestalo offers Email.
- Features: only ICICI Bank offers Rewards.
- Features: only Prestalo offers Same day funding.
- Loan types: only Prestalo offers Payday, Car, Secured.
Our verdict on each
ICICI Bank
ICICI Bank is a full-service Indian bank covering saving, spending and borrowing, so it suits customers who want one provider. The savings account pays 2.5% on a variable rate, with easy access to cash, bill payments and transfers by UPI, IMPS, NEFT and RTGS, and personal loans disburse instantly.
Prestalo
Prestalo suits Spanish residents who want a fee-free personal loan fixed at fixed rates, with money in the bank account normally within a day or two. It suits a single market only, since eligibility is limited to Spain and a hard credit check applies.
Score breakdown
| Area | ICICI Bank | Prestalo |
|---|---|---|
| Cost | 8.6Card costs weigh heavy: an annual fee of INR 3,500 on the Sapphiro card, and personal loan rates of 9.99% to 16.5%. | 9.3Higher |
| Offer | 9.4Higher | 9.1Fees are 0 EUR on personal loans and €0 on the mortgage, with early repayment free. |
| Trust | 9.0Higher | 8.4 |
From lowest to highest
| Fact | ICICI Bank | Prestalo |
|---|---|---|
| APR | 9.99% to 16.5% | 4.1% to 30% |
| Term | 12 to 72 months | 1 to 120 months |
Which one suits you
Pick ICICI Bank if offer and trust matter most.
Pick Prestalo if cost, apr, term, and free early repayment matter most.
Where they rank in our lists
| Ranking | ICICI Bank | Prestalo |
|---|---|---|
| Loans | 124 of 2043 | 66 of 2043 |
| Personal loans | 104 of 1317 | 55 of 1317 |
| Mortgages | 13 of 853 | 5 of 853 |
If neither fits
Prestamiau ES has apr at 0% to 36%, against 9.99% to 16.5% for ICICI Bank and 4.1% to 30% for Prestalo.
Prestamiau ES reviewEvery fact side by side
| Fact | ICICI Bank | Prestalo |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Rewards | Same day funding |
| Legal entity | ICICI Bank Ltd. | PRESTALO ONLINE, S.L. |
| Headquarters | India | Spain |
| Founded | 1994Lower | 2018 |
| Support channels | Phone, Help centre, Chat | Email, Chat, Phone, Help centreCovers more |
Savings
| Fact | ICICI Bank | Prestalo |
|---|---|---|
| Headline rate | 2.5% | Not confirmed |
| Minimum deposit | ₹2,500 to ₹15,000 | Not confirmed |
| Access terms | Easy access to funds: cash withdrawals, utility bill payments and online fund transfers through UPI, IMPS, NEFT and RTGS | Not confirmed |
| Account kind | Easy access | Not confirmed |
Mortgages
| Fact | ICICI Bank | Prestalo |
|---|---|---|
| Initial rate | 7.55% | 2.36%Lower |
| APRC | Not confirmed | 2.97% |
| Fixed period | Not confirmed | 25 years |
| Maximum loan to value | 80% to 90%Higher | 80% |
| Product fee | Not confirmed | €0 |
| Purpose | Purchase, Remortgage | Purchase, Remortgage |
Where each stands against the rest
| Fact | ICICI Bank | Prestalo | Median |
|---|---|---|---|
| APR | 9.99% to 16.5%at the median | 4.1% to 30%lowest quarter | 9.99 |
| Term | 12 to 72 monthsabove the median | 1 to 120 monthshighest quarter | 60 |
| Origination fee (%) | 2%above the median | Not confirmed | 0% |
Median across 1096 listed providers.
Pros and cons
ICICI Bank
Pros
- Personal loans disburse with Instant disbursement, on amounts of INR 50,000 to INR 5,000,000 over terms of 12 to 72.
- The savings account is easy access, taking a minimum deposit of INR 2,500 to INR 15,000.
- The card pays points on spending, with lounge visits, golf rounds, concierge help and welcome vouchers added.
Cons
- Foreign spend on the card carries a currency conversion fee of 3.5%.
- Personal loan applications run a hard credit check, and good credit is the bar.
- Free early repayment is not offered, so settling a personal loan early carries a charge.
Prestalo
Pros
- No arrangement fee on personal loans: 0 EUR.
- Early repayment is free, so clearing the balance early costs nothing extra.
- Personal loans run €500 to €100,000 and 1 to 120, so borrowers can size the loan and the term to suit them.
Cons
- The rate is fixed rather than variable, so fixed pricing cannot fall the way a variable rate can.
- A hard credit check applies, hard, so an application creates a full credit file search.
- Prestalo works as a broker, broker, so the lender named in the offer is the party you repay and Prestalo sits in between.
Who each suits
ICICI Bank
Who it suits
- Salaried Indian citizens of adult age who want savings, a card and loans from one bank.
- Savers comfortable with a variable savings rate and borrowers happy with a fixed rate loan.
- Cardholders who want a credit card with lounge, golf and concierge perks on top of points.
Who should look elsewhere
- wise, if a card with no annual fee matters most, since its annual fee is £0.
- bunq, if you would rather hold a euro account with an annual fee of €0 on the card.
- Varo Believe Secured Credit Card, if a secured card with an annual fee of $0 is the better fit.
Prestalo
Who it suits
- Spanish residents with a steady income, since eligibility is open to adults living in Spain with valid DNI or NIE paperwork and stable sufficient income.
- Borrowers who plan to clear the balance early, since free early repayment means overpaying costs no extra charge.
- People who want no arrangement fee, because the origination fee is 0 EUR on personal loans.
Who should look elsewhere
- Anyone outside Spain, since eligibility is tied to residence in Spain and a valid DNI or NIE. Creduma ES also serves euro borrowers, so compare that market.
- People building a credit file from scratch, because the credit check is hard, hard, and a good credit record is expected, good.
- Anyone wanting a variable rate, since the rate type is fixed, fixed. Sofkredit quotes 10.74% to 18.06%, so check that market if falling rates matter more than certainty.
Current offers
ICICI Bank
Current offer
Bonus
Sapphiro Credit Card welcome vouchers: Vouchers worth over INR 13,000
Upon payment of the joining fee of INR 6,500 + GST; vouchers worth INR 3,000 from Tata CLiQ, INR 4,000 from EaseMyTrip, INR 5,000 from Da Milano, INR 1,500 from Croma and an EazyDiner Prime Membership worth INR 1,095; issued within 45 business days
Source, checked September 26, 2026
Discount code
BookMyShow buy one get one movie offer on Sapphiro Credit Card: Up to INR 500 off the second ticket
From Apr 1, 2026 requires spending INR 25,000 or more on the Sapphiro Credit Card in the preceding spends quarter; one movie offer per month per card variant for dual-network cards
Source, checked September 26, 2026
Bonus
Sapphiro Credit Card milestone reward points: 4,000 reward points on INR 4 lakh annual spend, plus 2,000 points per additional INR 1 lakh, up to 20,000 points
Awarded in an anniversary year on qualifying annual spend
Source, checked September 26, 2026
Country by country
| Country | ICICI Bank | Prestalo |
|---|---|---|
| India | Yes | No |
| Spain | No | Yes |
Questions about each
ICICI Bank
What does the card cost to hold each year?+
The annual fee on the card is INR 3,500, which sits above cards that charge nothing. Foreign currency transactions add a conversion fee of 3.5% on top. It is a credit card, so balances are meant to be cleared in full rather than carried.
What rewards does the card pay?+
Rewards come as points, earning more on international spend than on domestic, utility and insurance purchases. The credit card also carries welcome vouchers with travel, dining and retail partners, lounge visits, golf rounds, a round the clock concierge service, air accident cover and a fuel surcharge waiver.
Prestalo
What does a Prestalo personal loan cost?+
The annual percentage rate runs 4.1% to 30% and the rate is fixed, so payments stay level. The origination fee is 0 EUR, and early repayment is free, so clearing the balance early adds nothing. Interest is the cost of the loan.
How long does a Prestalo loan take to arrive?+
Money is transferred to your bank account, normally within a day or two, and same-day funding is listed as a feature, same day funding. Because Prestalo is a broker, the pace depends on the lender it places the application with. Plan on a short wait rather than an instant transfer.
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