Oberbank (loans) vs BKS Bank (loans): which is better? Comparison 2026

By our public methodology Oberbank (loans) scores 80 out of 100 and BKS Bank (loans) scores 72. Below: the factors and facts where they differ, each fact with its source.

Personal loans in Austria 2026: licensed banks ranked How we rank

1

Oberbank (loans)

80/100
2

BKS Bank (loans)

72/100

Score breakdown

Oberbank (loans)BKS Bank (loans)
Licence100100
Transparency80100
Cost580
Service6372

Pros and cons

Oberbank (loans)

  • Long licence history
  • Licence confirmed by the official list or a stated licence number
  • Fees or full loan terms are readable without login
  • Publishes how to complain
  • An arrangement fee can apply

BKS Bank (loans)

  • Long licence history
  • Licence confirmed by the official list or a stated licence number
  • Fees or full loan terms are readable without login
  • Publishes how to complain

Facts side by side

FactOberbank (loans)BKS Bank (loans)
Licensed since1869 oberbank.at1922 bks.at
Licensed by the regulatorYes fma.gv.atYes fma.gv.at
Published rate, % of country reference84% oberbank.atNot verified
Free early repaymentNot verifiedYes bks.at
No arrangement feeNo oberbank.atNot verified
Fees or terms publishedYes oberbank.atYes bks.at
Complaints procedureYes oberbank.atYes bks.at
Online application for new customersYes oberbank.atYes bks.at
Support hours a week57 h oberbank.at60 h bks.at
Maximum amount, % of country referenceNot verified88% bks.at
Longest term120 mo oberbank.at120 mo bks.at

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