Important Informations


The bank’s primary orientation leans towards investment banking rather than retail banking services, with significant operations in global financial hubs such as London, New York, Singapore, and Sydney. Originating in 1870, its journey to becoming a major financial institution was marked by numerous mergers and acquisitions. For individual customers, it offers a comprehensive suite of online banking solutions, including various account types tailored to students and apprentices, options for credit cards, and a spectrum of investment opportunities ranging from short to long-term. Additionally, the bank extends services in insurance, home savings schemes, and mortgage financing to cater to a broader range of customer needs.

What are your benefits?ūüôČ
Loan amounts between ‚ā¨1,900 and ‚ā¨80,000 Flexible loan term Free special repayment Free total repayment Big Player in Germany
What are your disadvantages?ūüôä
Installment break 100% digital contract conclusion Legitimacy by post office… Lack of credit orientation
Independent assessment of Expance?ūüźĶ

Given the context of focusing specifically on credit offerings, I’d give this bank a 3-star rating for its credit services. The bank’s historical depth since 1870 and its expansive global presence underscore its credibility and financial stability, essential attributes for any credit provider. It impressively caters to a broad spectrum of credit needs, from personal loans to mortgages, showcasing a versatile portfolio that aims to meet various customer requirements.

The option for personalized credit solutions, especially with tailored products for students and apprentices, along with comprehensive online banking services, demonstrates the bank’s commitment to accessibility and customer-centric services. Furthermore, the inclusion of investment opportunities and additional services like insurance indicates a holistic approach to financial services, enhancing the overall customer experience.

However, the deduction of one star reflects the potential for improvement in customer service and product customization. Enhancing the personal touch in its interactions and providing more tailored advice could significantly impact customer satisfaction. In the competitive credit market, where customer needs are ever-evolving, focusing on these areas could elevate the bank from a strong competitor to a market leader.

Professional evaluation