Updated October 12, 2026 · BorrowCue Editorial Team
DKB (Deutsche Kreditbank) vs Wannacash ES
Facts checked September 26, 2026.
Where DKB (Deutsche Kreditbank) and Wannacash ES differ
| Compare |  DKB (Deutsche Kreditbank) |  Wannacash ES |
|---|---|---|
| Loan amount | €2,500 to €100,000Higher | €50 to €900 |
| Term | 12 to 120 monthsHigher | 1 month |
| Credit check | Soft prequal | None |
| Funding time | Privatkredit Sofort: usually within 30 minutes; Privatkredit Klassisch: within 1-2 days | Money in the account in under 15 minutes after approval; usually same day as the application |
| Lender type | Direct lender | Broker |
| Eligibility | Of age and main residence in Germany; not self-employed or freelance; in permanent employment or on an indefinite pension; German mobile number and online-banking access to the salary account | Be of legal age, resident in Spain, hold a Spanish bank account and have recurring income; no payroll or guarantor required |
| Loan types | Personal, Car, Debt consolidation | Personal, Payday, Credit line, Business, Student, Car, Secured |
| APR | 6.99% | Not confirmed |
| Arrangement fee | Not confirmed | 0 EUR - WannaCash charges the applicant nothing |
| Representative example | Nettodarlehensbetrag 15.000 Euro, Laufzeit 120 Monate, effektiver Jahreszins 6,99 % p. a., mtl. Rate 172,43 Euro, Gesamtbetrag 20.691,92 Euro | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Credit needed | Not confirmed | Poor |
| Use cases | Home improvement | Not confirmed |
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Key differences
- Loan amount is higher at DKB (Deutsche Kreditbank): €2,500 to €100,000 vs €50 to €900.
- Term is higher at DKB (Deutsche Kreditbank): 12 to 120 months vs 1 month.
- Support channels: only DKB (Deutsche Kreditbank) offers Chat, Help centre.
- Loan types: only DKB (Deutsche Kreditbank) offers Debt consolidation.
- Loan types: only Wannacash ES offers Payday, Credit line, Business.
Our verdict on each
DKB (Deutsche Kreditbank)
DKB provides direct lending instead of passing applications between intermediaries, which keeps responsibility with one provider. It covers personal, car and consolidation borrowing for purchase, remortgage and home improvement, with soft prequalification and support across phone, chat, email and help centre.
Wannacash ES
WannaCash suits borrowers in Spain who need a small personal or payday loan the same day and prefer a fee of 0 EUR - WannaCash charges the applicant nothing for the arrangement, though as a broker it passes the rate on from a third party lender.
Score breakdown
| Area | DKB (Deutsche Kreditbank) | Wannacash ES |
|---|---|---|
| Offer | 9.4Higher | 8.3A fee of 0 EUR - WannaCash charges the applicant nothing and a lending range of €50 to €900 make this a small. |
| Trust | 9.2Higher | 8.3 |
From lowest to highest
| Fact | DKB (Deutsche Kreditbank) | Wannacash ES |
|---|---|---|
| Loan amount | €2,500 to €100,000 | €50 to €900 |
Side by side, item by item
| Loan types | DKB (Deutsche Kreditbank) | Wannacash ES |
|---|---|---|
| Personal | Yes | Yes |
| Payday | No | Yes |
| Debt consolidation | Yes | No |
| Credit line | No | Yes |
| Secured | No | Yes |
| Car | Yes | Yes |
| Business | No | Yes |
| Student | No | Yes |
Licences and countries
| Country | DKB (Deutsche Kreditbank) | Wannacash ES |
|---|---|---|
| Germany | Not confirmed |
Additional countries for DKB (Deutsche Kreditbank): 1. Additional countries for Wannacash ES: 1.
Where they rank in our lists
| Ranking | DKB (Deutsche Kreditbank) | Wannacash ES |
|---|---|---|
| Personal loans | 16 of 1944 | 23 of 1944 |
| Car loans | 5 of 432 | 7 of 432 |
Every fact side by side
| Fact | DKB (Deutsche Kreditbank) | Wannacash ES |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Same day funding |
| Legal entity | Deutsche Kreditbank Aktiengesellschaft | 7eBiz International SL |
| Headquarters | Germany | Spain |
| Founded | 1990 | Not confirmed |
| Support channels | Phone, Chat, Help centre, EmailCovers more | Email, Phone |
Where each stands against the rest
| Fact | DKB (Deutsche Kreditbank) | Wannacash ES | Median |
|---|---|---|---|
| APR | 6.99%below the median | Not confirmed | 8.99% |
| Loan amount | €2,500 to €100,000highest quarter | €50 to €900lowest quarter | €40,000 |
| Term | 12 to 120 monthshighest quarter | 1 monthlowest quarter | 60 |
Median across 1007 listed lenders.
Pros and cons
DKB (Deutsche Kreditbank)
Pros
- Direct lender setup keeps application and servicing with one provider
- Covers purchase, remortgage and home improvement across varied personal needs
- Offers soft prequalification alongside phone, chat, email and help centre support
Cons
- Excludes self employed and freelance applicants, focusing on permanent employment or pension
- Requires a mobile number plus online banking access to the salary account
Wannacash ES
Pros
- A fee of 0 EUR - WannaCash charges the applicant nothing means the arrangement adds no cost to the borrowing.
- Funding is quick: money lands in the account minutes after approval, usually the same day as the application.
- The credit check is none, and eligibility rests on a Spanish bank account and recurring income, with no payroll or guarantor required.
Cons
- The cap on €50 to €900 sits far below €100 to €5,000 at Cashspace ES, so anyone covering a larger cost needs a different lender.
- The credit needed is poor, which tells you the pricing is aimed at applicants with a weaker credit history rather than the strongest files.
- WannaCash is a broker, so the offer you receive is set by a third party lender rather than by the broker you apply through.
Who each suits
DKB (Deutsche Kreditbank)
Who it suits
- Borrowers seeking purchase, remortgage or home improvement funding
- Employees and pension recipients wanting a direct lending relationship
Who should look elsewhere
- Self employed or freelance borrowers seeking lending
Wannacash ES
Who it suits
- Adults in Spain who hold a Spanish bank account, have recurring income and need a small personal or payday loan the same day.
- Borrowers with poor credit who do not want a credit check run against them and want to skip the payroll and guarantor requirements.
- People who would rather deal with one broker that covers personal, payday and credit line than shop a separate lender for each loan type.
Who should look elsewhere
- Anyone borrowing a large sum: €50 to €900 stops well short of €100 to €5,000 at Cashspace ES and £10,000 to £35,000 at Monzo Flex.
- Borrowers who want a personal bank relationship with a wide lending range, since Monzo Flex works from £10,000 to £35,000.
- People who need live chat support, as support runs on email and phone only.
Current offers
DKB (Deutsche Kreditbank)
Current offer
Discount code
Zinsvorteil of 0.15 percentage points when buying an existing property: 0.15 percentage points off the interest rate
Purchase of an existing property; see Zinsvorteil section
Source, checked September 26, 2026
Discount code
Zinsrabatt of 0.1 percentage points for Gruene Baufinanzierung: 0.1 percentage points off the interest rate
Energy-efficient property, green mortgage financing
Source, checked September 26, 2026
Wannacash ES
Current offer
Bonus
First quick loan free of interest and fees: 0% interest and no fees on the first loan
Offer run by the partner lenders selected by Wannacash; complete the application form, not obliged to accept
Source, checked September 26, 2026
Country by country
| Country | DKB (Deutsche Kreditbank) | Wannacash ES |
|---|---|---|
| Germany | Yes | No |
| Spain | No | Yes |
Questions about each
DKB (Deutsche Kreditbank)
Who can apply for lending with DKB?+
Applicants need to have reached adulthood and work in permanent employment or receive an indefinite pension. Self employed and freelance work falls outside eligibility. Checks also ask for a local handset contact and digital entry to the account receiving wages.
Which products does DKB cover?+
The range centres on personal borrowing, including car funding and debt consolidation support. Purposes span purchase, remortgage and home improvement needs. Lending is arranged directly, so application and servicing stay with the same provider throughout.
Wannacash ES
What does WannaCash charge to arrange a loan?+
The fee is 0 EUR - WannaCash charges the applicant nothing, so there is no arrangement charge to pay on top of the loan. What you repay is the amount advanced plus the interest the lender charges. Because WannaCash is a broker, the rate itself comes from a third party lender, so ask for the rate in writing before you accept an offer.
How much can I borrow from WannaCash?+
The lending range is €50 to €900, which is below the typical personal loan amount of €556.48 on the site. In practice this suits smaller, short-term needs rather than a large expense or a consolidation. If you need more, Cashspace ES lends up to €100 to €5,000.
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