Updated October 18, 2026 · SumCue Editorial Team
Santander Lokaty PL vs SWK Bank
Santander Lokaty PL
SWK Bank
Higher score in this comparison
Where Santander Lokaty PL and SWK Bank differ
| Compare | Santander Lokaty PLReviewVisitVisit | SWK BankReviewSee alternativesSee alternatives |
|---|---|---|
| Headline rate | 3.6%Higher | 3.21% |
| Rate type | Variable | Fixed |
| Access terms | no minimum or maximum balance on the account | Fixed term, no early access during the agreed term, extension possible after term end |
| Account kind | Easy access | Fixed |
| Term | Not confirmed | 24 to 120 months |
| Minimum deposit | Not confirmed | €10,000 |
| Deposit protection | Not confirmed | EU DGS up to EUR 100,000 |
| Monthly fee | Not confirmed | €0 |
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
- SWK Bank scores higher overall: 9.5 vs 8.5.
- Headline rate is higher at Santander Lokaty PL: 3.6% vs 3.21%.
- Support channels: only SWK Bank offers Email, Help centre.
- Pricing model: only Santander Lokaty PL offers No monthly fee.
- Pricing model: only SWK Bank offers Fixed rate.
Our verdict on each
Santander Lokaty PL
Santander Consumer Bank lists online term deposits with a minimum of PLN 1,000.
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 | Santander Lokaty PL | SWK Bank |
|---|---|---|
| Cost | Not confirmed | 9.3 |
| Offer | 9.2 | 9.6HigherOrigination fee of 0 EUR, APR of 5.29% to 12.99% against a site median of 15.5%. |
| Trust | Not confirmed | 9.6 |
Cost in a real example
10,000 saved for 12 months
Santander Lokaty PL
360
3.6% of 10,000
SWK Bank
321
3.21% of 10,000
Santander Lokaty PL comes out 39 higher in this example.
Excludes monthly fee (not stated by Santander Lokaty PL). Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked October 17, 2026.
Where they rank in our lists
| Ranking | Santander Lokaty PL | SWK Bank |
|---|---|---|
| Fixed-rate bonds and term deposits | 7 of 199 | 14 of 199 |
If neither fits
XTB has headline rate at 4%, against 3.6% for Santander Lokaty PL and 3.21% for SWK Bank.
XTB reviewWhat we checked
Santander Lokaty PL
- bankier.pl: 5 facts, checked October 17, 2026
- moneteo.com: 2 facts, checked October 17, 2026
SWK Bank
- swkbank.de: 13 facts, checked September 26, 2026
Every fact side by side
| Fact | Santander Lokaty PL | SWK Bank |
|---|---|---|
| Pricing model | No monthly fee | Fixed rate |
| Legal entity | Not confirmed | Sued-West-Kreditbank Finanzierung GmbH |
| Headquarters | Poland | Germany |
| Founded | Not confirmed | 1959 |
| Support channels | Phone | Phone, Email, Help centreCovers more |
Where each stands against the rest
| Fact | Santander Lokaty PL | SWK Bank | Median |
|---|---|---|---|
| Headline rate | 3.6%above the median | 3.21%below the median | 3.3% |
| Term | Not confirmed | 24 to 120 monthshighest quarter | 60 |
| Minimum deposit | Not confirmed | €10,000highest quarter | €1 |
| Monthly fee | Not confirmed | €0at the median | €0 |
Median across 710 listed providers.
Pros and cons
Santander Lokaty PL
Pros
- Santander Consumer Bank lists online term deposits with a minimum of PLN 1,000.
- The application is completed online, and the captured page says deposits can renew automatically and offers a choice of terms.
Cons
- Money stays tied up for the agreed period
- Early access to funds is limited while the deposit runs
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
Santander Lokaty PL
Who it suits
- Poland customers who want to open a term deposit online
Who should look elsewhere
- People who need quick access to their savings
- Customers wanting a daily spending account
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 | Santander Lokaty PL | SWK Bank |
|---|---|---|
| Germany | No | Yes |
Questions about each
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.
Who can apply for a SWK Bank loan?+
You need permanent employment, a main residence in Germany, a minimum age and no negative credit entries. You must have been with your current employer for a set period and past probation. The check is hard, and good credit is needed to pass.
Is SWK Bank regulated and is my money protected?+
SWK Bank is supervised by the Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin) in Germany. Deposits held in a fixed term account carry EU DGS protection of EU DGS up to EUR 100,000. The stated limit applies to the deposit, and a loan is a separate arrangement.
Other options to compare
Other matchups
Santander Lokaty PL
SWK Bank