Updated September 29, 2026 · SumCue Editorial Team
SWK Bank vs TBC Bank Uzbekistan
SWK Bank
TBC Bank Uzbekistan
Higher score in this comparison
SWK Bank vs TBC Bank Uzbekistan: the differences
| Compare | SWK BankReviewSee alternativesSee alternatives | TBC Bank UzbekistanReviewSee alternativesSee alternatives |
|---|---|---|
| APR | 5.29% to 12.99%Lower | 28% to 49% |
| Loan amount | €7,500 to €100,000 | UZS 300,000 to UZS 100,000,000 |
| Term | 24 to 120 monthsHigher | 3 to 24 months |
| Arrangement fee | 0 EUR | 0 |
| Funding time | Loan amount transferred to your current account within a few days | Same day |
| Representative example | Ratenkredit: net loan 10,000.00 EUR over 84 months at 6.29% effective annual rate for two thirds of customers | 300,000 UZS for 3 months at 28% - monthly 104,702.543 UZS, total 314,107.628 UZS |
| 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 | Uzbekistan citizenship, age 18+, permanent income source |
| Loan types | Personal, Car, Debt consolidation, SecuredCovers more | Personal, Car |
| Credit check | Hard | Not confirmed |
| Origination fee (%) | Not confirmed | 0% |
| Credit needed | Good | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Same on both: Rate type (Fixed), Lender type (Direct lender), Free early repayment (Yes).
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Key differences
- TBC Bank Uzbekistan scores higher overall: 9.8 vs 9.5.
- APR is lower at SWK Bank: 5.29% to 12.99% vs 28% to 49%.
- Term is higher at SWK Bank: 24 to 120 months vs 3 to 24 months.
- Support channels: only TBC Bank Uzbekistan offers Chat.
- Pricing model: only TBC Bank Uzbekistan offers No monthly fee.
- Loan types: only SWK Bank offers Debt consolidation, Secured.
Our verdict on each
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.
TBC Bank Uzbekistan
TBC Bank Uzbekistan suits everyday spenders in Uzbekistan who favour a Visa debit card with regular cashback and travel perks. Monthly upkeep is free at UZS 0 and foreign spending carries 0% conversion charge, which keeps cross border use predictable for careful budget planners.
Score breakdown
| Area | SWK Bank | TBC Bank Uzbekistan |
|---|---|---|
| Cost | 9.3 | 9.7HigherMonthly upkeep stays light at UZS 0 with currency moves at 0% |
| Offer | 9.6Origination fee of 0 EUR, APR of 5.29% to 12.99% against a site median of 15.5%. | 9.9HigherDebit utility pairs cashback at 1% to 5% with Visa acceptance on Visa |
| Trust | 9.6 | Not confirmed |
Where they rank in our lists
| Ranking | SWK Bank | TBC Bank Uzbekistan |
|---|---|---|
| Savings | 109 of 1492 | 53 of 1492 |
| Fixed-rate bonds and term deposits | 14 of 199 | 10 of 199 |
| Loans | 209 of 2043 | 149 of 2043 |
| Personal loans | 188 of 1317 | 133 of 1317 |
If neither fits
Prestamiau ES has apr at 0% to 36%, against 5.29% to 12.99% for SWK Bank and 28% to 49% for TBC Bank Uzbekistan.
Prestamiau ES reviewWhere these facts come from
SWK Bank
- swkbank.de: 19 facts, checked September 26, 2026
TBC Bank Uzbekistan
- tbcbank.uz: 17 facts, checked September 29, 2026
Every fact side by side
| Fact | SWK Bank | TBC Bank Uzbekistan |
|---|---|---|
| Pricing model | Fixed rate | No monthly fee, Fixed rateCovers more |
| Features | Not confirmed | Travel |
| Legal entity | Sued-West-Kreditbank Finanzierung GmbH | JSCB TBC BANK |
| Headquarters | Germany | Uzbekistan |
| Founded | 1959 | Not confirmed |
| Support channels | Phone, Email, Help centre | Email, Chat, Phone, Help centreCovers more |
Savings
| Fact | SWK Bank | TBC Bank Uzbekistan |
|---|---|---|
| Headline rate | 3.21% | 16% to 18%Higher |
| Minimum deposit | €10,000 | UZS 100,000 |
| Deposit protection | EU DGS up to EUR 100,000 | Not confirmed |
| Access terms | Fixed term, no early access during the agreed term, extension possible after term end | No top-up, no partial withdrawal |
| Monthly fee | €0 | UZS 0 |
| Account kind | Fixed | Fixed |
| Regulators | Not confirmed | Central Bank of the Republic of Uzbekistan |
Where each stands against the rest
| Fact | SWK Bank | TBC Bank Uzbekistan | Median |
|---|---|---|---|
| APR | 5.29% to 12.99%below the median | 28% to 49%highest quarter | 9.99 |
| Term | 24 to 120 monthshighest quarter | 3 to 24 monthsbelow the median | 60 |
| Origination fee (%) | Not confirmed | 0%at the median | 0% |
Median across 1096 listed providers.
Pros and cons
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
TBC Bank Uzbekistan
Pros
- Monthly upkeep is free at UZS 0, matching €0 from eToro for lean account keeping
- Foreign card payments carry 0% conversion charge at 0%, which aids travel budgeting
- Cashback runs at 1% to 5% on eligible debit spend, adding value to routine purchases
Cons
- Savers face rigid access because No top-up, no partial withdrawal applies, so funds must stay untouched once placed
- Borrowing costs run 28% to 49%, so weigh repayments against household budgets with care
- Deposit choice stays fixed at fixed for 3 to 24, which limits flexibility for savers
Who each suits
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
TBC Bank Uzbekistan
Who it suits
- Residents in Uzbekistan wanting Visa debit rewards who pick this over eToro for local tariffs
- Travellers wanting no added conversion margin who pick this over Bitpanda for frequent card use
- Cash users wanting a broad free ATM allowance who value branchless help across chat and phone
Who should look elsewhere
- Readers outside Uzbekistan seeking cross border onboarding may favour eToro for wider availability
- Readers wanting flexible savings access may favour Bitpanda style options over locked deposit terms
Country by country
| Country | SWK Bank | TBC Bank Uzbekistan |
|---|---|---|
| Germany | Yes | No |
| Uzbekistan | 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.
TBC Bank Uzbekistan
What is the monthly fee for the debit card?+
What does the debit account cost to keep each month? Monthly upkeep for the debit card is set at UZS 0. That structure helps you forecast spending without a standing charge, while usage charges may still apply to selected services outside the monthly fee.
Is there a currency conversion fee on card payments?+
Foreign currency payments on the debit card carry a conversion charge at 0%. That approach makes travel and cross border shopping easier to plan, as you avoid an added margin on exchange when you pay abroad or shop with overseas merchants.
Other options to compare
Other matchups
SWK Bank
TBC Bank Uzbekistan