Oberbank (loans) vs Hypo Vorarlberg (loans): which is better? Comparison 2026

By our public methodology Oberbank (loans) scores 80 out of 100 and Hypo Vorarlberg (loans) scores 69. 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
3

Hypo Vorarlberg (loans)

69/100

Score breakdown

Oberbank (loans)Hypo Vorarlberg (loans)
Licence100100
Transparency8080
Cost5829
Service6330

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

Hypo Vorarlberg (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)Hypo Vorarlberg (loans)
Licensed since1869 oberbank.at1897 hypovbg.at
Licensed by the regulatorYes fma.gv.atYes fma.gv.at
Published rate, % of country reference84% oberbank.at141% hypovbg.at
No arrangement feeNo oberbank.atNot verified
Fees or terms publishedYes oberbank.atYes hypovbg.at
Complaints procedureYes oberbank.atYes hypovbg.at
Online application for new customersYes oberbank.atNot verified
Support hours a week57 h oberbank.atNot verified
Maximum amount, % of country referenceNot verified100% hypovbg.at
Longest term120 mo oberbank.at120 mo hypovbg.at

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