Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie settingsCookie policy

Postbank 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

Postbank is a branch of Deutsche Bank AG and lends directly, so a German borrower gets a fixed rate with no broker in the middle. It suits adults with regular income who want to borrow €3,000 to €80,000 and clear it early without charge.

Key facts

Best for
Fixed-rate personal loans in Germany with free early repayment and no broker.
APR
3.25% to 14.3%↗
Loan amount
€3,000 to €80,000↗
Term
12 to 120 months↗
Credit check
Hard↗
Funding time
A few days: review normally takes two business days, plus a few days until the money arrives↗
Representative example
Net loan amount EUR 10,000, effective annual rate 9.67%, nominal rate 9.27% p.a., term 84 months, 85 instalments of EUR 164, total amount EUR 13,724 (Postbank Privatkredit direkt)↗
Rate type
Fixed↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
At least 18 years old and regular salary, wage or pension payments of sufficient amount; creditworthiness required↗
Loan types
Personal, Debt-consolidation, Car↗
Credit needed
Poor↗
Use cases
Home-improvement↗
Legal entity
Postbank, a branch of Deutsche Bank AG↗
Headquarters
Germany↗
Support channels
Email, Phone, Help-centre↗
Pricing model
Fixed rate
Features
Mobile app
Official website
postbank.de

Brokers

Minimum deposit
€0↗
Stock trade fee
€9.95↗
Account fee
€0↗
Markets
Stocks, ETFs, Bonds, Funds↗
Currency conversion fee
1.85%↗
Interest on cash
0%↗
Audience
Students, Kids

Savings

Headline rate
0.75%↗
Deposit protection
EU DGS up to EUR 100,000↗
Access terms
Guthaben jederzeit verfuegbar, keine Kuendigungsfrist, kein Kuendigungszwang↗
Monthly fee
€0 to €5.90↗
Account kind
Easy access↗

Debit cards

Free ATM withdrawals
€0↗
Card type
Debit↗
Card network
Mastercard↗

Credit cards

Card kind
Credit↗

Mortgages

Product fee
€0↗
Purpose
Purchase, Remortgage↗

Facts checked September 26, 2026, 11 sources

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataWikipediaLinkedInXfacebook.com

Pros and cons

Pros

  • The rate type is fixed, so the price holds from the first instalment to the last.
  • Postbank lends directly rather than acting as a broker, so the offer comes from the bank itself.
  • Early repayment is free, so clearing the balance ahead of schedule costs nothing.
  • Support runs on email, phone and help centre, and a mobile app covers the account.

Cons

  • The credit check is hard and the stated credit bar is poor, so a thin file makes approval unlikely.
  • Free ATM withdrawals are €0 and currency conversion costs 1.85%, so the card suits everyday spending in Germany rather than use abroad.
  • Funding time takes a few business days for the review plus a few more before the money arrives, so it is no use for a same-day need.
Postbank

Ready to try Postbank?

Scored 9.4 / 10 by SumCue.

See alternatives

Who it suits

  • Adults in Germany with a regular salary, wage or pension payment of a sufficient amount, since that is the stated eligibility test.
  • Borrowers covering a car purchase, debt consolidation or home improvement, the purposes the lender lists.
  • Customers who want the loan, a current account, a Mastercard debit card and a securities account for stocks, etfs and bonds in the same bank, with an account fee of €0.

Who should look elsewhere

  • Cashspace, if a different market suits you better, since its APR runs PHP 12 to PHP 36.
  • Creduma ES, if you need to borrow more than €3,000 to €80,000, as it lends from €12,000.
  • Sofkredit, whose APR of 10.74% to 18.06% sits in a higher band than Postbank's 3.25% to 14.3%.

How Postbank compares

Where Postbank is available

Available
Germany
Licence in Germany
Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), checked September 26, 2026
Licence in Germany
Europäische Zentralbank (EZB), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate will I pay on a Postbank personal loan?+

The personal loan is priced at an APR of 3.25% to 14.3%, and the rate type is fixed rather than variable. Terms run 12 to 120, and the loan comes straight from the lender, so no broker margin sits between the offer and the amount you repay.

How much can I borrow and who qualifies?+

Postbank lends €3,000 to €80,000 for personal borrowing, debt consolidation and car finance. Applicants need regular salary, wage or pension payments of a sufficient amount plus a creditworthiness check, and a minimum age applies, so steady income matters more than savings.

How long does approval and funding take?+

The review normally takes a few business days and the money arrives a few days after that, so this is not a same-day product. A hard credit check forms part of the decision, and the mobile app is the place to start the application.

Can I repay the loan early?+

Yes. Free early repayment means you can clear all or part of the balance with no charge, which is worth more here than shaving a fraction off the rate. Because pricing is fixed, paying early does not trigger a recalculated rate on the balance left.

Is my money protected and who regulates Postbank?+

Deposits held alongside the account sit under the EU deposit guarantee scheme, with cover set out as EU DGS up to EUR 100,000. Postbank is supervised in Germany by BaFin and the European Central Bank. Savings balances stay available at any time, with no notice period and no forced closure.

What does the current account and savings side cost?+

The current account charges €0 to €5.90 a month and the securities account has an account fee of €0. The easy-access savings product pays a headline rate of 0.75% on a minimum deposit of €0, so the everyday banking side is the cheap part.

What can I invest in and what is the risk?+

The securities account covers stocks, etfs and bonds and charges €9.95 a trade. Most retail accounts on the site lose money, with 70.15% at the median, so the free account fee is the least important part of that picture.

What card comes with the account?+

The account comes with a debit card on the mastercard network, aimed at student and kids. Currency conversion costs 1.85% and free ATM withdrawals are €0, so the card is built for spending close to home rather than for use abroad.

Sources

Compiled from 12 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Arrangement fee.

Postbank

Postbank

Fixed-rate personal loans in Germany with free early repayment and no broker.

9.4/10See alternatives