Updated September 28, 2026 · BorrowCue Editorial Team
BBK vs ING Germany
What sets them apart
| Compare |  BBK |  ING Germany |
|---|---|---|
| APR | 4.92% | 3.69% to 10.99%Lower |
| Term | up to 84 months | 12 to 120 monthsHigher |
| Representative example | Personal Loans: indicative APR of 4.92% on a financed amount of BD 10,000 over seven years | Ratenkredit: net loan 15,000.00 EUR over 120 months, effective annual rate 7.22% (fixed nominal rate 6.99% p.a.), monthly instalment 175.63 EUR, total amount 21,075.24 EUR; at least two thirds of customers receive 7.22% or better |
| Eligibility | Salaried 21-55, self-employed 25-60; all residents in Bahrain regardless of nationality with a residence permit valid for at least three months; minimum monthly salary BD 300 | Of age, good credit standing, private not commercial use, stable monthly income of at least 1,600 EUR, residence and workplace in Germany, salary current account |
| Loan types | Personal, Guarantor | Personal, Debt consolidation, Car, Credit line |
| Loan amount | Not confirmed | €5,000 to €100,000 |
| Arrangement fee | Not confirmed | 0 EUR |
| Credit check | Not confirmed | Hard |
| Funding time | Not confirmed | Immediate payout on request, otherwise on a chosen date up to 3 months after approval |
| Rate type | Not confirmed | Fixed |
| Free early repayment | Not confirmed | Yes |
| Origination fee (%) | Not confirmed | 0% |
| Credit needed | Not confirmed | Good |
Same on both: Lender type (Direct lender), Use cases (Home improvement).
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Key differences
- Founded is lower at ING Germany: 1965 vs 1971.
- APR is lower at ING Germany: 3.69% to 10.99% vs 4.92%.
- Term is higher at ING Germany: 12 to 120 months vs up to 84 months.
- Loan types: only BBK offers Guarantor.
- Loan types: only ING Germany offers Debt consolidation, Car, Credit line.
Our verdict on each
BBK
BBK suits Bahrain residents who want low cost personal or home borrowing straight from the bank. Personal loans run at an APR of 4.92% and home loans at an APRC of 5.76%, both far below the site median of 12%, with terms stretched over up to 84 months for personal lending.
ING Germany
ING Germany lends directly to residents with a salary current account, and its instalment loan fixes the rate across terms of 12 to 120. It suits borrowers consolidating debt or funding home improvements, though the hard credit check and good credit standing narrow who qualifies.
Score breakdown
| Area | BBK | ING Germany |
|---|---|---|
| Cost | 9.4Personal loan APR of 4.92% sits well under the site median of 12%, with home loans at 5.76% APRC. | 9.4Arrangement fee of 0 EUR on a fixed rate of 3.69% to 10.99%, under the 12% typical across the site. |
| Offer | 9.2 | 9.4Higher |
| Trust | 9.5 | 9.5 |
Cost in a real example
Borrow a typical amount over a typical term (estimate at the stated APR)
BBK
776.6
776.6
ING Germany
579.06 to 1,784.23
579.06 to 1,784.23
ING Germany comes out 197.54 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Where they rank in our lists
| Ranking | BBK | ING Germany |
|---|---|---|
| Personal loans | 260 of 1932 | 264 of 1932 |
| Mortgages | 44 of 719 | 47 of 719 |
| Remortgage deals | 28 of 351 | 31 of 351 |
| Home equity loans and HELOCs | 11 of 110 | 12 of 110 |
| Home improvement loans | 75 of 562 | 78 of 562 |
Every fact side by side
| Fact | BBK | ING Germany |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Not confirmed | Same day funding |
| Legal entity | Bank of Bahrain and Kuwait | ING-DiBa AG |
| Headquarters | Bahrain | Germany |
| Founded | 1971 | 1965Lower |
| Support channels | Phone, Email, Help centre | Phone, Email, Help centre |
Mortgages
| Fact | BBK | ING Germany |
|---|---|---|
| Initial rate | Not confirmed | 4.79% |
| APRC | 5.76% | 4.93%Lower |
| Fixed period | 25 yearsHigher | 15 years |
| Maximum loan to value | Not confirmed | 100% |
| Product fee | Not confirmed | €0 |
| Purpose | Purchase, Remortgage, Home equity | Purchase, Remortgage, Home equity |
Where each stands against the rest
| Fact | BBK | ING Germany | Median |
|---|---|---|---|
| APR | 4.92%below the median | 3.69% to 10.99%lowest quarter | 8.99% |
| Loan amount | Not confirmed | €5,000 to €100,000highest quarter | €40,000 |
| Term | up to 84 monthsabove the median | 12 to 120 monthshighest quarter | 60 |
| Origination fee (%) | Not confirmed | 0%below the median | 0.25% |
Median across 1005 listed lenders.
Pros and cons
BBK
Pros
- Personal loans priced at an APR of 4.92%, below the site median of 12%
- Home loans at an APRC of 5.76% for a fixed period of 25
- A direct lender, direct lender, so the rate comes from the bank rather than a broker
Cons
- Eligibility is limited to residents of Bahrain, so the range does not extend beyond a single market
- A guarantor route is one of the listed loan types, which can put a third party's finances at risk
- Support runs on phone, email and help centre only, with no branch network or in-person channel listed
ING Germany
Pros
- Fixed rate of 3.69% to 10.99% on borrowing of €5,000 to €100,000, with terms of 12 to 120 and the rate held for the life of the loan.
- Same-day funding on request, and early repayment is free.
- Regulated in Germany by BaFin, with support on phone, email and help centre.
Cons
- The credit check is hard and credit standing of good is needed, so a thin file is unlikely to pass.
- Eligibility requires a salary current account plus residence and workplace in Germany, so applicants paid elsewhere or based abroad are excluded.
- Support runs on phone, email and help centre only, with no live chat option listed.
Who each suits
BBK
Who it suits
- Salaried and self-employed residents of Bahrain with a monthly salary that clears the eligibility threshold
- Borrowers funding home improvement, as home improvement is the listed use for the personal loan
- Anyone taking a first property purchase, remortgage or home equity loan from a direct lender
Who should look elsewhere
- Anyone outside Bahrain, since eligibility is limited to residents with a residence permit
- Borrowers wanting a revolving credit line or a debt consolidation product, as neither appears in personal and guarantor
ING Germany
Who it suits
- Residents of Germany paid a salary into a current account, applying for a fixed-rate instalment loan.
- Borrowers consolidating debt or planning home improvement, since the lending covers both alongside car loans and a credit line.
- Homebuyers and movers, with home financing at an initial rate of 4.79%.
Who should look elsewhere
- Applicants with a poor credit file, since the check is hard and credit standing of good is required.
- Borrowers who rank lenders purely on the lowest published rate, since Cashspace ES lists 0% against 3.69% to 10.99% here.
- People without a salary current account or living outside Germany, which the eligibility terms require.
Current offers
ING Germany
Current offer
Discount code
Autumn interest discount of up to -0.50% on new Ratenkredit, Autokredit and Wohnkredit: -0.30% on the fixed nominal interest rate, up to -0.50% combined for loan amounts from 40,001 EUR
Applications for new instalment, car or mortgage loans by 04.10.2026; -0.20% extra discount from a loan amount of 40,001 EUR; discount applied automatically in the personal best-rate offer
Source, checked September 26, 2026
Bonus
My ING current account to loan promotion: One month of interest on your Ratenkredit refunded
Open an ING Girokonto within 3 months of taking out the Ratenkredit and use it as a salary current account
Source, checked September 26, 2026
Bonus
Free Girokonto plus 200 EUR on top: 200 EUR
New Girokonto with at least 1,000 EUR incoming payments per calendar month; current account free for customers under 28
Source, checked September 26, 2026
Country by country
| Country | BBK | ING Germany |
|---|---|---|
| Bahrain | Yes | No |
| Germany | No | Yes |
Questions about each
BBK
What does a BBK mortgage cost?+
Home loans are priced on an APRC of 5.76%, with a fixed period of up to 25. BBK covers purchase, remortgage and home equity, so the same rate covers buying, switching an existing mortgage or borrowing against the home.
Who can apply for a BBK loan?+
Eligibility is limited to residents of Bahrain, including those of any nationality, holding a residence permit valid for a minimum period. Salaried and self-employed applicants are both accepted, and a guarantor route forms part of personal and guarantor for those who need it.
ING Germany
What can I borrow from ING Germany for personal use?+
The published lending covers personal, debt consolidation and car borrowing, with home improvement named as a use. Amounts run to €5,000 to €100,000 across terms of 12 to 120, and the rate is fixed for the life of the loan.
What rate do I pay on an instalment loan?+
The advertised rate is 3.69% to 10.99%, quoted for a fixed-rate loan of €5,000 to €100,000 over 12 to 120. The worked example pairs a fixed nominal rate with the effective annual rate, so the effective figure is the one to compare across lenders.