Updated October 13, 2026 · BorrowCue Editorial Team
Anadi Bank vs Interhyp
Facts checked September 26, 2026.
Anadi Bank vs Interhyp: the differences
| Compare |  Anadi Bank |  Interhyp |
|---|---|---|
| Loan amount | €3,000 to €50,000 | €375,000Higher |
| Lender type | Direct lender | Broker |
| Eligibility | Must be of age, have residence in Austria (Wohnsitz im Inland) and pass the credit check | Adult of legal age and fully legally capable, regular income, fixed residence and fixed bank account in Germany, creditworthy |
| Loan types | Personal, Debt consolidation | Secured |
| APR | Not confirmed | 4.08% to 4.7% |
| Term | Not confirmed | 120 to 240 months |
| Arrangement fee | Not confirmed | 0 EUR |
| Funding time | Not confirmed | On purchase of an existing property disbursed in one sum once the land registry charge is registered; for new builds in instalments according to construction progress |
| Representative example | Not confirmed | Baufinanzierung (Annuitatenda rlehen): purchase price 450,000 EUR, equity 100,000 EUR, loan amount around 375,000 EUR, 2% initial repayment, 10 years fixed at 3.87%, monthly rate 1,834 EUR, residual 282,489 EUR |
| Rate type | Not confirmed | Fixed |
| Use cases | Not confirmed | Home improvement |
Same on both: Credit check (Hard).
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Key differences
- Loan amount is higher at Interhyp: €375,000 vs €3,000 to €50,000.
- Loan types: only Anadi Bank offers Personal, Debt consolidation.
- Loan types: only Interhyp offers Secured.
Our verdict on each
Anadi Bank
For borrowers seeking straightforward digital banking with personal support, Anadi Bank is an Austrian bank covering credit, savings and everyday accounts. It suits people who prefer online management with explanatory resources and convenient app based access for daily banking.
Interhyp
Interhyp suits German buyers and owners who want a fixed-rate mortgage with no arrangement charge. The initial rate is 4.08% and the APRC is 4.08%, with an origination fee of 0 EUR, and credit checks are hard, so weaker files may not qualify.
Score breakdown
| Area | Anadi Bank | Interhyp |
|---|---|---|
| Cost | Not confirmed | 9.3Origination fee 0 EUR and product fee €0, with an initial rate of 4.08% and an APRC of 4.08%. |
| Offer | 9.4 | 9.5HigherBroker placing secured lending at a fixed rate for 10, terms of 120 to 240 and a maximum loan to value of 100%. |
| Trust | 9.2Higher | 8.6 |
Side by side, item by item
| Loan types | Anadi Bank | Interhyp |
|---|---|---|
| Personal | Yes | No |
| Debt consolidation | Yes | No |
| Secured | No | Yes |
Where they rank in our lists
| Ranking | Anadi Bank | Interhyp |
|---|---|---|
| Mortgages | 395 of 716 | 165 of 716 |
| Remortgage deals | 273 of 351 | 116 of 351 |
Also worth a look
Deudafix has loan amount at €5,000 to €5,000,000, against €3,000 to €50,000 for Anadi Bank and €375,000 for Interhyp.
Deudafix reviewEvery fact side by side
| Fact | Anadi Bank | Interhyp |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Legal entity | Austrian Anadi Bank AG | Interhyp AG |
| Headquarters | Austria | Germany |
| Founded | Not confirmed | 1999 |
| Support channels | Email, Phone, Help centre | Phone, Email, Help centre |
Mortgages
| Fact | Anadi Bank | Interhyp |
|---|---|---|
| Initial rate | Not confirmed | 4.08% |
| APRC | Not confirmed | 4.08% |
| Fixed period | Not confirmed | 10 years |
| Maximum loan to value | Not confirmed | 100% |
| Product fee | Not confirmed | €0 |
| Purpose | Purchase, Remortgage | Purchase, Remortgage |
Where each stands against the rest
| Fact | Anadi Bank | Interhyp | Median |
|---|---|---|---|
| APR | Not confirmed | 4.08% to 4.7%lowest quarter | 8.99 |
| Loan amount | €3,000 to €50,000above the median | €375,000highest quarter | €40,000 |
| Term | Not confirmed | 120 to 240 monthshighest quarter | 60 |
Median across 1152 listed lenders.
Pros and cons
Anadi Bank
Pros
- Austrian bank across digital banking, public finance and corporate banking
- Offers credit alongside savings, accounts and cards for daily needs
- Provides internet banking with tablet and mobile applications for access
Cons
- Focus stays on Austria, so options centre on one national market
- Digital emphasis favours online management over branch based routines
- Range centres on credit, savings, accounts and cards only
Interhyp
Pros
- Origination fee of 0 EUR and a product fee of €0 on secured lending
- Initial rate of 4.08% with an APRC of 4.08%
- Fixed rate of fixed for 10, above the mortgage median of 6.5
Cons
- Credit checks are hard, so a thin credit history rules you out
- The initial rate of 4.08% sits below the 4.49% mortgage median
- Eligibility is narrow: adults of legal age and fully legally capable, with regular income, a fixed residence and a fixed bank account in Germany
Who each suits
Anadi Bank
Who it suits
- Borrowers who prefer digital banking with personal support
- Savers and account holders wanting simple online management
- People who value clear explanations of financial products
Who should look elsewhere
- Borrowers needing branch based banking outside digital channels
- People seeking products beyond credit, savings and accounts
Interhyp
Who it suits
- Adults of legal age and fully legally capable, with regular income and a fixed residence in Germany
- Buyers and owners needing a fixed-rate loan with a maximum loan to value of 100%
- Anyone refinancing an existing German mortgage
Who should look elsewhere
- Borrowers chasing the lowest headline rate, since Prestalo lists 2.36% against Interhyp's 4.08%
- Buyers who want a variable deal, since the rate type is fixed and no variable option is listed
- Applicants living outside Germany, since eligibility requires a fixed residence and a fixed bank account in Germany
Country by country
| Country | Anadi Bank | Interhyp |
|---|---|---|
| Austria | Yes | No |
| Germany | No | Yes |
Questions about each
Anadi Bank
What is Anadi Bank?+
Anadi Bank is an Austrian bank active in digital banking, public finance and corporate banking. It provides user friendly products for customers and aims to combine simple handling with attentive service.
What products does Anadi Bank cover?+
The bank covers credit, fixed term savings, online savings, accounts and cards. It also offers current and salary or pension accounts alongside internet banking access for everyday financial management.
Interhyp
How much does Interhyp charge to arrange a mortgage?+
The origination fee is 0 EUR and the product fee is €0, so arranging a secured loan adds no separate charge. What you pay is the interest itself, starting at an initial rate of 4.08% with an APRC of 4.08%.
What rate does Interhyp offer and for how long?+
Rates are fixed rather than variable, with the rate type given as fixed. The initial rate is 4.08% and the APRC is 4.08%, the fixed period is 10 and terms run 120 to 240.