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SWK Bank review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

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.

Key facts

Best for
Permanently employed German residents borrowing for home improvements or a car.
APR
5.29% to 12.99%↗
Loan amount
€7,500 to €100,000↗
Term
24 to 120 months↗
Arrangement fee
0 EUR↗
Credit check
Hard↗
Funding time
Loan amount transferred to your current account within a few days↗
Representative example
Ratenkredit: net loan 10,000.00 EUR over 84 months at 6.29% effective annual rate for two thirds of customers↗
Rate type
Fixed↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
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, Car, Debt-consolidation, Secured↗
Credit needed
Good↗
Use cases
Home-improvement↗
Legal entity
Sued-West-Kreditbank Finanzierung GmbH↗
Headquarters
Germany↗
Founded
1959↗
Support channels
Phone, Email, Help-centre↗
Pricing model
Fixed rate
Official website
swkbank.de

Savings

Headline rate
3.21%↗
Minimum deposit
€10,000↗
Deposit protection
EU DGS up to EUR 100,000↗
Access terms
Fixed term, no early access during the agreed term, extension possible after term end↗
Monthly fee
€0↗
Account kind
Fixed↗

Facts checked September 26, 2026, 5 sources

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataLinkedIn

Pros and cons

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
  • Fixed deposit paying 3.21% with a monthly fee of €0

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
SWK Bank

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Scored 9.5 / 10 by SumCue.

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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

The company behind it

SWK Bank trades as Sued-West-Kreditbank Finanzierung GmbH, headquartered in Germany and trading since 1959. It is one counterparty for both sides of the book, lending on fixed rates and paying a fixed rate on its term deposit, so nothing reprices mid-term. Support runs through phone, email and help centre for borrowers and savers alike.

How SWK Bank compares

Where SWK Bank is available

Available
Germany
Licence in Germany
Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin), checked September 26, 2026

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

Frequently asked questions

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.

What rate does the SWK Bank fixed deposit pay?+

The fixed deposit pays a headline rate of 3.21%, which is above the site median of 3%. Money is locked for the agreed term, with no early access during it. An extension is possible once the term ends, and the monthly fee is €0.

How much do I need to put into a SWK Bank fixed deposit?+

The minimum deposit is €10,000. Access is fixed, so the balance stays put until the agreed term ends, with no early access during it. An extension is possible once the term is over, and the monthly fee is €0.

What can I use a SWK Bank loan for?+

Loans cover personal needs, car purchases, debt consolidation and secured borrowing, with home improvement the main use. Amounts run €7,500 to €100,000 with terms of 24 to 120 at a fixed rate.

How do I get help from SWK Bank?+

Support runs through phone, email and help centre, so you can call, write by email or use the help centre. The bank is a direct lender, so the loan is arranged with Sued-West-Kreditbank Finanzierung GmbH and no broker sits in between.

Sources

  • swkbank.de checked September 26, 2026

    Backs: Loan types, Use cases

  • swkbank.de/festgeld checked September 26, 2026

    Backs: Access terms, Account kind, Headline rate, Minimum deposit, Monthly fee

  • swkbank.de/impressum checked September 26, 2026

    Backs: Deposit protection, Headquarters, Legal entity, Licences

    “Sued-West-Kreditbank Finanzierung GmbH, Isaac-Fulda-Allee 2 c, 55124 Mainz, HRB Mainz 21815”

  • swkbank.de/ratenkredit checked September 26, 2026

    Backs: Loan amount, APR, Credit check, Credit needed, Eligibility, Free early repayment, Funding time, Lender type, Pricing model, Arrangement fee, Rate type, Representative example, Support channels, Term

    “Nettodarlehensbetrag: 7.500,00 EUR bis 100.000,00 EUR”

  • swkbank.de/ueber-uns checked September 26, 2026

    Backs: Founded

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

SWK Bank

SWK Bank

Permanently employed German residents borrowing for home improvements or a car.

9.5/10See alternatives