Updated September 29, 2026 · BorrowCue Editorial Team
BBVA vs Postbank
What sets them apart
| Compare | BBVA ReviewVisitVisit |  Postbank |
|---|---|---|
| APR | 8.08% to 9.16% | 3.25% to 14.3%Lower |
| Loan amount | €3,000 to €75,000 | €3,000 to €80,000Higher |
| Term | 24 to 96 months | 12 to 120 monthsHigher |
| Funding time | Money credited to your BBVA account after signing, in 3 steps | A few days: review normally takes two business days, plus a few days until the money arrives |
| Representative example | EUR 10,000 over 8 years: EUR 145.47/month at 9.16% TAE, opening fee 0%, total EUR 13,976.85 | Net loan amount EUR 10,000, effective annual rate 9.67%, nominal rate 9.27% p.a., term 84 months, 85 instalments of EUR 164, total amount EUR 13,724 (Postbank Privatkredit direkt) |
| Free early repayment | No | YesHas it |
| Eligibility | Must be a BBVA customer with an account; the 1% rate discount requires payroll (min net EUR 600/month) or pension (min EUR 300/month) domiciled at BBVA | At least 18 years old and regular salary, wage or pension payments of sufficient amount; creditworthiness required |
| Loan types | Personal | Personal, Debt consolidation, CarCovers more |
| Arrangement fee | 0 EUR | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
| Credit needed | Not confirmed | Poor |
Same on both: Credit check (Hard), Rate type (Fixed), Lender type (Direct lender), Use cases (Home improvement).
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Key differences
- BBVA scores higher overall: 9.4 vs 9.3.
- APR is lower at Postbank: 3.25% to 14.3% vs 8.08% to 9.16%.
- Free early repayment: only Postbank.
- Loan amount is higher at Postbank: €3,000 to €80,000 vs €3,000 to €75,000.
- Term is higher at Postbank: 12 to 120 months vs 24 to 96 months.
- Loan types: only Postbank offers Debt consolidation, Car.
Our verdict on each
BBVA
BBVA suits existing customers in Spain who want a fixed-rate personal loan with fees of 0 EUR and the money landing in their BBVA account. The cost picture is the draw: APR of 8.08% to 9.16% sits below the site median, 12%, though the account requirement narrows who can apply.
Postbank
Postbank lends directly at 3.25% to 14.3% on amounts of €3,000 to €80,000, with a fixed rate and free early repayment. It suits German adults with regular income who want a known monthly cost and can wait a few days for the money to arrive.
Score breakdown
| Area | BBVA | Postbank |
|---|---|---|
| Cost | 8.9APR of 8.08% to 9.16% on a personal loan with fees of 0 EUR, below the site median, 12%. | 9.4Higher |
| Offer | 9.6Higher | 9.3Breadth of the offer: €3,000 to €80,000 across 12 to 120, fixed rate with early repayment free. |
| Trust | 9.6Higher | 9.2 |
Where each is licensed and available
| Country | BBVA | Postbank |
|---|---|---|
| Germany | Not confirmed | |
| Spain | Comision Nacional del Mercado de Valores (CNMV) MiCA CASP K8MS7FD7N5Z2WQ51AZ71 | Not confirmed |
Additional countries for BBVA: 1. Additional countries for Postbank: 1.
Pick BBVA if, pick Postbank if
Pick BBVA if offer and trust matter most.
Pick Postbank if cost, apr, loan amount, and term matter most.
Sources behind this comparison
BBVA
- bbva.es: 15 facts, checked September 26, 2026
- esma.europa.eu: 2 facts, checked September 26, 2026
- es.wikipedia.org: 1 fact, checked September 26, 2026
Postbank
- postbank.de: 17 facts, checked September 26, 2026
How they place
| Ranking | BBVA | Postbank |
|---|---|---|
| Personal loans | 81 of 1932 | 85 of 1932 |
| Mortgages | 9 of 719 | 10 of 719 |
| Home improvement loans | 34 of 562 | 37 of 562 |
Every fact side by side
| Fact | BBVA | Postbank |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Legal entity | Banco Bilbao Vizcaya Argentaria S.A. | Postbank, a branch of Deutsche Bank AG |
| Headquarters | Spain | Germany |
| Founded | 1857 | Not confirmed |
| Support channels | Not confirmed | Email, Phone, Help centre |
Mortgages
| Fact | BBVA | Postbank |
|---|---|---|
| Product fee | Not confirmed | €0 |
| Purpose | Not confirmed | Purchase, Remortgage |
Where each stands against the rest
| Fact | BBVA | Postbank | Median |
|---|---|---|---|
| APR | 8.08% to 9.16%below the median | 3.25% to 14.3%lowest quarter | 8.99 |
| Loan amount | €3,000 to €75,000above the median | €3,000 to €80,000highest quarter | €40,000 |
| Term | 24 to 96 monthsabove the median | 12 to 120 monthshighest quarter | 60 |
| Origination fee (%) | 0%below the median | Not confirmed | 0.25% |
Median across 1005 listed lenders.
Pros and cons
BBVA
Pros
- APR of 8.08% to 9.16% sits below the site median, 12%.
- Fees of 0 EUR on a personal loan, so the quoted rate is not padded by an opening charge.
- Money is credited to the BBVA account after signing, so settlement needs no new payee setup.
Cons
- Free early repayment is no, so clearing the balance sooner carries a cost.
- Eligibility starts with holding a BBVA account, and the rate discount asks for a payroll or pension domiciled at BBVA.
- The credit check is hard, so a decline can leave a mark on the credit file.
Postbank
Pros
- APR of 3.25% to 14.3% compares favourably with the 12.25% median for personal loans on this site.
- Fixed rate for the whole term (fixed), so the monthly outlay does not drift upward.
- Free early repayment, so a windfall can clear the balance without a charge.
Cons
- The rate runs to the top of the 3.25% to 14.3% range for thinner files, and the check is hard.
- Because direct lender lending puts the decision with the bank, funding takes a few days rather than landing at once.
- Borrowing runs through DE, so it is aimed at people with German income rather than applicants abroad.
Who each suits
BBVA
Who it suits
- Existing BBVA account holders in Spain with a domiciled payroll or pension who want a rate they can plan around.
- Borrowers funding a home improvement project who can spread the cost, since terms run 24 to 96.
- Readers who prefer the lender to hold the contract rather than a broker, since BBVA is a direct lender.
Who should look elsewhere
- Cashspace, priced at an APR of PHP 12 to PHP 36, if you want a different rate band than BBVA's 8.08% to 9.16%.
- Monzo Flex, at 10% to 23%, for readers comparing a UK lender rather than a Spanish bank.
- Cashspace ES, whose listed APR of 0% reads lower than BBVA's 8.08% to 9.16%.
Postbank
Who it suits
- Adults past a minimum age with a regular salary, wage or pension payment, which is what eligibility asks for.
- Borrowers who want the rate fixed to the end of the term, since fixed rate applies.
- People who expect to overpay and finish sooner, since early repayment is free.
Who should look elsewhere
- Anyone chasing interest free borrowing, since Cashspace ES quotes 0%.
- Readers who want to draw and repay repeatedly rather than take one fixed instalment loan, who should weigh Monzo Flex at 10% to 23%.
- Borrowers who want a second opinion on price, since Cashspace publishes PHP 12 to PHP 36 to set beside 3.25% to 14.3%.
Current offers
Postbank
Current offer
Bonus
Tagesgeld new deposits action: 3.2% p.a. interest for 6 months
New deposits only, total Postbank savings balance must increase
Source, checked September 26, 2026
Bonus
Wertpapierdepot online opening credit: EUR 25 credit
Open a securities account online by 30 September 2026
Source, checked September 26, 2026
Country by country
| Country | BBVA | Postbank |
|---|---|---|
| Germany | No | Yes |
| Spain | Yes | No |
Questions about each
BBVA
What rate does BBVA charge on a personal loan?+
The personal loan carries an APR of 8.08% to 9.16%, fixed for the whole term. The published example pairs that rate with fees of 0 EUR, so the quoted figure is not padded by an opening charge. Terms run 24 to 96, which shapes the monthly instalment.
Is BBVA regulated?+
BBVA appears in the Spanish register under the Comision Nacional del Mercado de Valores (CNMV), listed as licence MiCA CASP K8MS7FD7N5Z2WQ51AZ71. The legal entity behind the brand is Banco Bilbao Vizcaya Argentaria S.A., and the bank is a direct lender, so the contract is with the bank itself.
Postbank
What rate would I pay on a Postbank loan?+
Postbank quotes an APR of 3.25% to 14.3% on its direct private loan, which sits against a median of 12.25% for personal loans on this site. The rate is fixed (fixed) for the whole term, so the instalment you sign up for is the one you keep paying.
How much can I borrow and how long can I take to repay it?+
Borrowing runs from €3,000 to €80,000 with terms of 12 to 120, so a larger sum means a longer commitment. It is a direct lender arrangement (direct lender), which means your application sits with the bank rather than with a broker who passes details around.