DSK Bank review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

DSK Bank is a direct lender based in Bulgaria, charging an APR of 7.56% with borrowing running €500 to €40,000 and terms of 18 to 120. It suits borrowers who want a long repayment they can plan around, with the arrangement fee free and the trade-off that the rate is variable.

Key facts

Best for
A fee-free personal loan at 7.56% spread over a long term.
APR
7.56% (Source, checked September 26, 2026)
Loan amount
€500 to €40,000 (Source, checked September 26, 2026)
Term
18 to 120 months (Source, checked September 26, 2026)
Arrangement fee
0 - no fee for consideration and approval of the consumer loan (Source, checked September 26, 2026)
Funding time
Application response within 1 working day (Source, checked September 26, 2026)
Representative example
Consumer loan of 15 000 EUR over 120 months, APR 7.56%, monthly payment 171.47 EUR, total due 20 576.23 EUR (Source, checked September 26, 2026)
Rate type
Variable (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Loan types
Personal (Source, checked September 26, 2026)
Legal entity
DSK Bank AD (Source, checked September 26, 2026)
Headquarters
Bulgaria (Source, checked September 26, 2026)
Founded
1951 (Source, checked September 26, 2026)
Support channels
Chat, Phone, Help-centre (Source, checked September 26, 2026)
Official website
dskbank.bg

Mortgages

Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
DSK Bank AD (Source, checked September 26, 2026)
Headquarters
Bulgaria (Source, checked September 26, 2026)
Founded
1951 (Source, checked September 26, 2026)
Support channels
Chat, Phone, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataLinkedInyoutube.com

Pros and cons

Pros

  • The arrangement fee is free, so nothing is charged for considering and approving the loan.
  • Terms of 18 to 120 give plenty of room to bring the monthly payment down.
  • Quick turnaround on applications: Application response within 1 working day.
  • Support runs on chat, phone and help centre and reaches the lender itself, since it is a direct lender.

Cons

  • The rate is variable, so the instalment can move over the term, while 80.6% of the personal loans here are fixed.
  • Borrowing starts at €500 to €40,000, so smaller sums are not covered.
  • The lending is personal loans (personal), so a revolving credit line or a dedicated consolidation deal is not part of the offer.
DSK Bank

Ready to try DSK Bank?

Scored 9.3 / 10 by BorrowCue.

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Who it suits

  • Borrowers folding a larger expense into a single monthly payment, given terms of 18 to 120.
  • Anyone who wants nothing to pay for arranging the loan, since the arrangement fee is free.
  • Borrowers who would rather deal with the bank directly, as DSK Bank is a direct lender.

Who should look elsewhere

  • Readers chasing the lowest headline rate, since Cashspace ES lists 0%.
  • Anyone set on a fixed rate: this loan is variable, and 80.6% of the personal loans here are fixed.
  • Borrowers after a small sum, since borrowing starts at €500 to €40,000.

Safety and regulation

DSK Bank is a direct lender, so the agreement sits between you and the bank rather than a broker or a comparison site. The representative example is the useful part: it pairs the rate with a monthly instalment and a total repayable figure on a mid-sized loan, so the cost across the whole term can be judged before you apply. Checking the instalment against your monthly budget is sensible before you commit.

Who runs it

The contract is with DSK Bank AD, a bank headquartered in Bulgaria that has been trading since 1951. It is a direct lender, so it underwrites and funds its own loans rather than passing applications on. Support runs on chat, phone and help centre, and DSK Bank AD is the name that appears on any agreement you sign.

How DSK Bank compares

Where DSK Bank is available

Available
Bulgaria

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does a DSK Bank personal loan cost, and are there fees?+

The consumer loan carries an APR of 7.56%, and the arrangement fee is free, so nothing is charged for considering and approving the loan. The representative example sets out the rate, a monthly instalment and the total repayable, which makes the whole cost easy to check. For context, the personal loan median in this comparison is 12.25%.

Is the rate fixed or variable?+

It is variable, which means the rate and the instalment can move over the life of the loan. That is the main trade-off, because 80.6% of the personal loans in this comparison are fixed. A variable rate means the starting figure is not the whole story, so budget for the possibility of a higher instalment later.

How much can I borrow, and over what term?+

Borrowing runs €500 to €40,000, with terms of 18 to 120. The upper end sits well above the personal loan median amount of €556.48, so it suits larger one-off expenses. The longest term gives room to bring the monthly payment down, and the shortest keeps the commitment brief.

How quickly does the bank answer an application?+

Speed is stated plainly: Application response within 1 working day. That covers the decision rather than the payout, so the wait for money after approval is a separate step worth asking about. Support on chat, phone and help centre is the place to chase status if a response takes longer than expected.

Who is the lender behind this loan?+

The agreement is with DSK Bank AD, a bank based in Bulgaria that has been trading since 1951. It is a direct lender, so the credit decision, the funds and the contract all sit with the bank. No broker sits in between, which keeps the contact simple if the payments need to change.

What support can I get?+

Support runs on chat, phone and help centre, covering phone, chat and a help centre for application and repayment questions. Those channels reach the bank directly, since DSK Bank is a direct lender. The same entity, DSK Bank AD, appears on the agreement, so there is a clear name to quote when you get in touch.

How does it compare with the other lenders listed here?+

The alternatives price differently. Cashspace's APR runs PHP 12 to PHP 36, Monzo Flex's runs 10% to 23% and Cashspace ES lists 0%, against 7.56% on this loan. A reader focused on the headline number should weigh those, then check the term and any fees on the chosen offer.

Sources

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Credit check.

Related by the facts

DSK Bank

DSK Bank

A fee-free personal loan at 7.56% spread over a long term.

9.3/10See alternatives

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