Updated September 29, 2026 · SumCue Editorial Team
NBG vs SWK Bank
NBG
Higher score in this comparison
SWK Bank
Where NBG and SWK Bank differ
| Compare | NBGReviewSee alternativesSee alternatives | SWK BankReviewSee alternativesSee alternatives |
|---|---|---|
| APR | 19.29% | 5.29% to 12.99%Lower |
| Loan amount | €300 to €6,000 | €7,500 to €100,000Higher |
| Term | 12 to 84 months | 24 to 120 monthsHigher |
| Funding time | Immediate disbursement credited to your deposit account | Loan amount transferred to your current account within a few days |
| Eligibility | Valid ID card or passport; proof of employment and a utility bill may be requested; existing Digital Banking credentials to apply online | At least 18 years old; main residence in Germany (employer's registered office likewise); at least six months with current employer and no probation; permanent employment; no negative SCHUFA or CRIF entry |
| Loan types | Personal, Debt consolidation, Credit line, Student | Personal, Car, Debt consolidation, Secured |
| Arrangement fee | Not confirmed | 0 EUR |
| Credit check | Not confirmed | Hard |
| Representative example | Not confirmed | Ratenkredit: net loan 10,000.00 EUR over 84 months at 6.29% effective annual rate for two thirds of customers |
| Credit needed | Not confirmed | Good |
| Use cases | Not confirmed | Home improvement |
Same on both: Rate type (Fixed), Lender type (Direct lender), Free early repayment (Yes).
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Key differences
- Founded is lower at NBG: 1841 vs 1959.
- APR is lower at SWK Bank: 5.29% to 12.99% vs 19.29%.
- Loan amount is higher at SWK Bank: €7,500 to €100,000 vs €300 to €6,000.
- Term is higher at SWK Bank: 24 to 120 months vs 12 to 84 months.
- Support channels: only NBG offers Chat.
- Support channels: only SWK Bank offers Email.
- Pricing model: only NBG offers No monthly fee.
- Loan types: only NBG offers Credit line, Student.
- Loan types: only SWK Bank offers Car, Secured.
Our verdict on each
NBG
NBG suits Greek customers who want a Mastercard debit for everyday spending and, if funds allow, a fixed-rate term deposit with no monthly fee. The savings side carries no monthly charge, while the credit card option runs at 19.29% with 2% on currency conversion.
SWK Bank
SWK Bank suits borrowers in Germany with permanent employment who want a long fixed-rate instalment loan with no arrangement fee. Its APR of 5.29% to 12.99% sits well under the site median of 15.5%, and a fixed deposit at 3.21% gives savers a home for cash.
Score breakdown
| Area | NBG | SWK Bank |
|---|---|---|
| Cost | 8.9 | 9.3Higher |
| Offer | 9.4 | 9.6HigherOrigination fee of 0 EUR, APR of 5.29% to 12.99% against a site median of 15.5%. |
| Trust | 10.0Higher | 9.6 |
Which one suits you
Pick NBG if trust matter most.
Pick SWK Bank if cost, apr, loan amount, and term matter most.
Where each is licensed and available
| Country | NBG | SWK Bank |
|---|---|---|
| Germany | Not confirmed |
Additional countries for NBG: 1. Additional countries for SWK Bank: 1.
Sources behind this comparison
NBG
- nbg.gr: 15 facts, checked September 26, 2026
SWK Bank
- swkbank.de: 19 facts, checked September 26, 2026
How they place
| Ranking | NBG | SWK Bank |
|---|---|---|
| Savings | 97 of 1492 | 109 of 1492 |
| Fixed-rate bonds and term deposits | 12 of 199 | 14 of 199 |
| Loans | 198 of 2043 | 209 of 2043 |
| Personal loans | 180 of 1317 | 188 of 1317 |
Every fact side by side
| Fact | NBG | SWK Bank |
|---|---|---|
| Pricing model | No monthly fee, Fixed rateCovers more | Fixed rate |
| Features | Same day funding | Not confirmed |
| Legal entity | NATIONAL BANK OF GREECE S.A. | Sued-West-Kreditbank Finanzierung GmbH |
| Headquarters | Greece | Germany |
| Founded | 1841Lower | 1959 |
| Support channels | Phone, Chat, Help centre | Phone, Email, Help centre |
Credit cards
| Fact | NBG | SWK Bank |
|---|---|---|
| Annual fee | €6 | Not confirmed |
| Currency conversion fee | 2% | Not confirmed |
| Rewards type | Points | Not confirmed |
| Card kind | Credit | Not confirmed |
Savings
| Fact | NBG | SWK Bank |
|---|---|---|
| Headline rate | Not confirmed | 3.21% |
| Minimum deposit | €3,000Lower | €10,000 |
| Deposit protection | Not confirmed | EU DGS up to EUR 100,000 |
| Access terms | Term deposit in EUR: duration chosen by the customer from 1 to 365 days; rate fixed for the whole term; early full repayment possible at a cost via Internet/Mobile Banking or in branch; automatic renewal | Fixed term, no early access during the agreed term, extension possible after term end |
| Monthly fee | €0 | €0 |
| Account kind | Fixed | Fixed |
Mortgages
| Fact | NBG | SWK Bank |
|---|---|---|
| Fixed period | 10 years | Not confirmed |
| Maximum loan to value | 100% | Not confirmed |
| Purpose | Purchase | Not confirmed |
Where each stands against the rest
| Fact | NBG | SWK Bank | Median |
|---|---|---|---|
| APR | 19.29%above the median | 5.29% to 12.99%below the median | 9.99% |
| Loan amount | €300 to €6,000below the median | €7,500 to €100,000highest quarter | €40,000 |
| Term | 12 to 84 monthsabove the median | 24 to 120 monthshighest quarter | 60 |
Median across 1096 listed providers.
Pros and cons
NBG
Pros
- Debit card runs on the Mastercard network, the wider of the two networks in the debit card rankings
- Term deposit carries €0 as a monthly fee and a fixed rate
- Term deposit needs a €3,000 minimum deposit, above the typical minimum in the savings rankings
Cons
- Credit card borrowing costs 19.29%, well above the 15.5% median across the listings
- Currency conversion costs 2% on the card, above the 1% median
- Fixed-rate deposits make up 19.6% of the term deposit listings, the smallest account kind group
SWK Bank
Pros
- Arrangement fee of 0 EUR on the instalment loan
- APR of 5.29% to 12.99% against a site median of 15.5%
- Repay early free of charge on the instalment loan
Cons
- Loan amounts run €7,500 to €100,000, so smaller sums fall outside the range
- A hard credit check and good credit needed, so a negative entry rules you out
Who each suits
NBG
Who it suits
- Greek residents spending day to day on a Mastercard debit card
- Savings customers with a lump sum ready for a fixed-rate term deposit
- Borrowers needing personal or consolidated debt dealt with by the bank directly
Who should look elsewhere
- Card shoppers drawn to the many listings with no annual fee, where the median is €0
- Frequent currency converters, since the 2% charge outruns the 1% median
- Anyone after a variable-rate account, which covers 53.9% of the listings
SWK Bank
Who it suits
- German residents with permanent employment and a clean credit record
- Borrowers planning home improvements, a car purchase or debt consolidation
- Savers who can leave a fixed sum untouched for the agreed term
Who should look elsewhere
- Anyone wanting a higher rate ceiling, since Cashspace quotes APRs of PHP 12 to PHP 36
- Anyone on probation, self-employed, or carrying a negative credit entry
- Borrowers who want a variable rate, since the fixed rate here never reprices
Country by country
| Country | NBG | SWK Bank |
|---|---|---|
| Germany | No | Yes |
| Greece | Yes | No |
Questions about each
NBG
What does it cost to hold an NBG account each month?+
The term deposit carries a monthly fee of €0, so nothing is taken each month on that account. Any other charges would sit with the individual product rather than the account, so check the card terms before applying. The deposit rate is set as fixed, not a monthly charge.
Which card network can I use?+
The card runs on the Mastercard network, listed as mastercard for this offering. That decides where the card is accepted and whether the balance leaves your account straight away. Mastercard takes 37.6% of the network listings on the site.
SWK Bank
What does a SWK Bank instalment loan cost?+
The arrangement fee is 0 EUR, and the APR runs 5.29% to 12.99% on a fixed rate, so the cost holds steady across the term. A published representative example shows a net loan repaid over 24 to 120.
How much can I borrow and for how long?+
Loan amounts run €7,500 to €100,000 with terms of 24 to 120. Repayments are fixed, and early repayment carries no charge. The loan amount is transferred to your current account within a short wait.
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SWK Bank