TARGOBANK review
Updated October 12, 2026 · BorrowCue Editorial Team
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Our verdict
TARGOBANK pairs flexible loans that adapt to your life with a choice between acting on your own and taking personal advice. It works as a full service bank for private customers who want borrowing, daily banking, savings, investment and protection support in one place.
Key facts
- Best for
- Adaptable personal borrowing with human advice
- Official website
- targobank.de
Pros and cons
Pros
- Flexible loans that adapt to different life situations and plans
- Separate private credit path created for self employed borrowers
- Everyday banking through laptop plus an app for phone and tablet
- Home ownership guidance with checklists for buyers and owners
Cons
- Personal advice often means visiting one of 340 branches in person
- Loan information is grouped for private customers rather than all borrower types
Ready to try TARGOBANK?
Who it suits
- People who want branch, phone and app advice
- Self employed borrowers seeking private credit
- Future owners looking for structured home guidance
Who should look elsewhere
- People who want borrowing with no advice contact at all
Our full take
German bank offering consumer loans, home financing and savings products for private and business customers.
How TARGOBANK compares
8lends
myKredit
Dineria MX
Multitude
TengeDa
Jeff.vn
Finbro
Revolut
Bridgement
Frequently asked questions
Which loan options does TARGOBANK cover?+
TARGOBANK covers a personal loan that adapts to your life, an online loan for self directed borrowing, and a private loan shaped for self employed needs. It also supports the path to home ownership with simple guidance. You can explore knowledge material on credit and financing alongside these options.
How do you manage banking online or in the app?+
You can handle daily banking on a laptop or through the banking app for phone and tablet. The service helps with registration, viewing the status of a loan request, managing standing orders, and blocking a card. Support answers explain withdrawing cash and reporting suspected fraud.
How can you contact support or get advice?+
You can choose advice in person in one of 340 branches, by phone, online or through the app. You can arrange an advice appointment for a time that suits you and search for a nearby branch for cash or personal discussion. Emergency and service numbers are also provided for direct help.
What other products sit alongside loans?+
Alongside loans, TARGOBANK offers current accounts and cards for different occasions, plus saving and investment options including depot models and savings plans. Protection cover includes private accident cover, term life cover, occupational disability cover and car repair cost protection. A starter account is aimed at young people.
Who are TARGOBANK products designed for?+
The focus is on private customers who want borrowing, daily banking, saving, investing and protection in one place. Young people have a dedicated starter option, while self employed people have a defined private credit route. You can pick self directed tools or guided advice to match your comfort.
Sources
- targobank.de checked October 9, 2026
Backs: Description
Compiled from 1 source page, checked October 12, 2026. We did not open an account.
Not confirmed yet: APR, Loan amount, Term, Arrangement fee, Credit check, Funding time, Representative example.
TARGOBANK
Adaptable personal borrowing with human advice