Updated September 30, 2026 · BorrowCue Editorial Team
AXI Card Tarjeta y Credito vs Multitude Bank p.l.c
AXI Card Tarjeta y Credito vs Multitude Bank p.l.c: the differences
| Compare |  AXI Card Tarjeta y Credito |  Multitude Bank p.l.c |
|---|---|---|
| APR | 21.59%Lower | 24.99% |
| Term | 1 month | 9 to 199 monthsHigher |
| Arrangement fee | 0 EUR (card issuance and annual maintenance) | 0 DKK |
| Funding time | Immediate: credit line available on card activation | within minutes, 24/7 |
| Representative example | AXI Card: 500 EUR line drawn in full, 19.71% annual interest, payment of 508.10 EUR in the payment period, total cost of credit 8.10 EUR (TAE 21.59%) | Credit amount DKK 10,000 / 12 months: APR 24.99%, monthly payment DKK 934.96, total credit cost DKK 1,219.47 |
| Eligibility | DNI for Spanish citizens; NIE plus passport for non-Spanish residents; no ASNEF registration and no debts overdue more than 30 days | Age 22+, Danish CPR number and registered address |
| Loan amount | up to €1,500 | Not confirmed |
| Credit check | Hard | Not confirmed |
| Origination fee (%) | Not confirmed | 0% |
| Credit needed | Fair | Not confirmed |
Same on both: Rate type (Fixed), Lender type (Direct lender), Free early repayment (Yes), Loan types (Credit line, Personal).
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Key differences
- AXI Card Tarjeta y Credito scores higher overall: 9.0 vs 8.9.
- AXI Card Tarjeta y Credito is available in 1 more country.
- APR is lower at AXI Card Tarjeta y Credito: 21.59% vs 24.99%.
- Term is higher at Multitude Bank p.l.c: 9 to 199 months vs 1 month.
- Support channels: only AXI Card Tarjeta y Credito offers Phone, Email.
- Features: only Multitude Bank p.l.c offers Same day funding.
Our verdict on each
AXI Card Tarjeta y Credito
AXI Card Tarjeta y Credito suits Spanish residents who want a small, revolving line on a card rather than a long loan. Costs are light on setup at 0 EUR (card issuance and annual maintenance), but 21.59% sits above the site median of 12% and each payment period is 1.
Multitude Bank p.l.c
Multitude Bank p.l.c suits borrowers in Denmark seeking flexible credit line borrowing with rapid access to funds around the clock and clear fixed pricing for planning repayments with confidence over time. Pricing sits at APR of 24.99% with repayment terms of 9 to 199 months for extended schedules.
Score breakdown
| Area | AXI Card Tarjeta y Credito | Multitude Bank p.l.c |
|---|---|---|
| Cost | 8.8APR of 21.59% against a site median of 12%, offset by 0 EUR (card issuance and annual maintenance) covering card issuance and annual maintenance. | 9.1HigherCost reflects APR at 24.99% with 0% charge level. |
| Offer | 8.7HigherA credit line product with Immediate: credit line available on card activation and a fair credit bar for applicants. | 8.1Offer reflects personal and credit line with same day funding and credit line flexibility. |
| Trust | 9.2 | 9.3HigherTrust reflects direct lender status and 2005 history. |
Which one suits you
Pick AXI Card Tarjeta y Credito if offer and apr matter most.
Pick Multitude Bank p.l.c if cost and term matter most.
Licences and countries
| Country | AXI Card Tarjeta y Credito | Multitude Bank p.l.c |
|---|---|---|
| Bulgaria | Not confirmed | |
| Malta | Not confirmed |
Additional countries for AXI Card Tarjeta y Credito: 2. Additional countries for Multitude Bank p.l.c: 1.
Also worth a look
Sofkredit has term at 6 to 240 months, against 1 month for AXI Card Tarjeta y Credito and 9 to 199 months for Multitude Bank p.l.c.
Sofkredit reviewHow they place
| Ranking | AXI Card Tarjeta y Credito | Multitude Bank p.l.c |
|---|---|---|
| Personal loans | 38 of 1932 | 29 of 1932 |
| Lines of credit | 8 of 328 | 4 of 328 |
Every fact side by side
| Fact | AXI Card Tarjeta y Credito | Multitude Bank p.l.c |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Credit line | Same day funding, Credit lineCovers more |
| Legal entity | Access Finance SL | Multitude Bank p.l.c. |
| Headquarters | Spain | Malta |
| Founded | Not confirmed | 2005 |
| Support channels | Phone, Email, Help centreCovers more | Help centre |
Where each stands against the rest
| Fact | AXI Card Tarjeta y Credito | Multitude Bank p.l.c | Median |
|---|---|---|---|
| APR | 21.59%highest quarter | 24.99%highest quarter | 8.99% |
| Loan amount | up to €1,500lowest quarter | Not confirmed | €40,000 |
| Term | 1 monthlowest quarter | 9 to 199 monthshighest quarter | 60 months |
| Origination fee (%) | Not confirmed | 0%below the median | 0.25% |
Median across 1005 listed lenders.
Pros and cons
AXI Card Tarjeta y Credito
Pros
- Early repayment is free, so a balance cleared inside the payment period stops accruing interest.
- Help is reachable on phone, email and help centre, which covers a phone line, an email address and a help centre.
- The rate type is fixed, so the interest charged on a drawn balance holds steady between payment periods.
Cons
- Interest runs at 21.59%, above the site median of 12% and above the starting point of the range Monzo Flex quotes at 10% to 23%.
- Applications run a hard credit check, so an application leaves a full search on the file whatever the outcome.
- The line stops at up to €1,500, so it will not stretch to a large expense.
Multitude Bank p.l.c
Pros
- Funding arrives within minutes, 24/7 with same day funding and credit line access for borrowers managing urgent spending needs.
- Origination fee of 0 DKK with level at 0% keeps upfront charges contained for personal and credit line.
- Free early repayment allows clearing balances ahead of schedule without extra charge across 9 to 199 months.
Cons
- Support runs on help centre only, which may suit borrowers comfortable with self service help around within minutes, 24/7.
- Pricing at 24.99% exceeds 23% from Mi Prestamo, which matters for rate sensitive borrowing over 9 to 199 months.
- Fixed pricing through fixed and fixed rate leaves limited choice for borrowers seeking variable terms over 9 to 199 months.
Who each suits
AXI Card Tarjeta y Credito
Who it suits
- Borrowers in Spain who want a credit line attached to a card they use weekly and repay quickly.
- Anyone who prefers to clear a balance early, since early repayment costs nothing.
- Applicants with fair credit and no ASNEF registration who can pass a full credit check.
Who should look elsewhere
- Monzo Flex, whose quoted range of 10% to 23% starts below the 21.59% charged here.
- Cashspace ES, which lists an APR of 0% and so charges nothing on a balance.
- Cashspace, which quotes PHP 12 to PHP 36 and suits readers who want to compare rates across markets before settling on a card.
Multitude Bank p.l.c
Who it suits
- Residents who value rapid credit line access and accept support on help centre may prefer this brand over AXI Card Tarjeta y Credito for direct bank servicing.
- Borrowers planning extended repayment across 9 to 199 months with fixed pricing at 24.99% may prefer this brand over Ibancar Prestamos for schedule flexibility.
- Danish applicants meeting Age 22+, Danish CPR number and registered address who want personal and credit line from direct lender may prefer this brand over Mi Prestamo for account structure.
Who should look elsewhere
- Borrowers seeking phone based service rather than support on help centre may prefer Mi Prestamo for a different contact approach.
- Borrowers prioritising lower headline APR than 24.99% may prefer Ibancar Prestamos because its listed APR at 12.74% to 13.01% sits below this brand.
Country by country
| Country | AXI Card Tarjeta y Credito | Multitude Bank p.l.c |
|---|---|---|
| Bulgaria | Yes | No |
| Denmark | No | Yes |
| Spain | Yes | No |
Questions about each
AXI Card Tarjeta y Credito
What does it cost to open and keep the card?+
Opening the card and keeping it active each year costs 0 EUR (card issuance and annual maintenance). That figure covers both card issuance and the annual maintenance charge, so there is no separate setup fee layered on top of the credit. The cost to watch sits in the interest rate instead, set at 21.59% and accruing on whatever balance you carry.
How is the rate set, and can it move?+
The rate type is fixed and the pricing model is a fixed rate, so the interest charged on a drawn balance holds steady between payment periods. The headline figure is 21.59%. The published terms describe that single rate rather than a promotional opening rate that later resets, so the figure on offer is the figure you pay.
Multitude Bank p.l.c
What does borrowing cost?+
Fixed rate pricing applies at APR of 24.99% under fixed terms through fixed rate. The published representative example outlines monthly payment and total credit cost for planning. Fixed pricing helps borrowers anticipate repayment amounts across 9 to 199 months.
How fast is funding?+
Funding is described as within minutes, 24/7 with availability noted in same day funding and credit line. Credit line access allows repeated withdrawals within the agreed limit subject to checks. Timing can vary with verification and bank processing while direct lender manages disbursement.
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