Updated September 28, 2026 · BorrowCue Editorial Team
Bank of Ireland vs LEND.ch
Where Bank of Ireland and LEND.ch differ
| Compare |  Bank of Ireland |  LEND.ch |
|---|---|---|
| Purpose | Purchase, Remortgage, First time buyer, Buy to let, Equity release | Purchase, Equity release, Home equity |
| Lender type | Direct lender | Marketplace |
| Initial rate | 3.1% | Not confirmed |
| APRC | 3.8% | Not confirmed |
| Fixed period | 4 years | Not confirmed |
| Maximum loan to value | 90% | Not confirmed |
| Product fee | €150 to €250 | Not confirmed |
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Key differences
- Bank of Ireland scores higher overall: 9.4 vs 8.9.
- Founded is lower at Bank of Ireland: 1783 vs 2015.
- Bank of Ireland is licensed in 1 more country.
- Bank of Ireland is available in 1 more country.
- Support channels: only Bank of Ireland offers Phone, Community.
- Support channels: only LEND.ch offers Email.
- Purpose: only Bank of Ireland offers Remortgage, First time buyer, Buy to let.
- Purpose: only LEND.ch offers Home equity.
Our verdict on each
Bank of Ireland
Bank of Ireland suits borrowers in the Republic of Ireland who want a mortgage and a personal loan from one long established bank, with a variable personal loan rate starting at 7.1% to 8.9%.
LEND.ch
LEND.ch suits Swiss residents in permanent employment who want a marketplace loan at rates of 4.3% to 9.96%, well under the 12% site median. The trade-off is the fee, which is score dependent, spread across the whole term and taken from the payout, so what lands in your account is less than what you borrow.
Score breakdown
| Area | Bank of Ireland | LEND.ch |
|---|---|---|
| Cost | 9.3Personal loan fee is 0 EUR - no arrangement fee and variable rate of 7.1% to 8.9% sits under the 12% site median. | 9.3 |
| Offer | 9.2Fixed mortgage hold is 4, lower than the 10 median fixed period. | 9.4Higher |
| Trust | 9.6Higher | 8.3 |
Positions in our rankings
| Ranking | Bank of Ireland | LEND.ch |
|---|---|---|
| Personal loans | 258 of 1932 | 113 of 1932 |
| Mortgages | 42 of 719 | 16 of 719 |
| Car loans | 47 of 431 | 29 of 431 |
| Private student loans | 16 of 167 | 10 of 167 |
| Equity release | 2 of 32 | 1 of 32 |
Availability and regulation
| Country | Bank of Ireland | LEND.ch |
|---|---|---|
| Ireland | Not confirmed | |
| Switzerland | Not confirmed | |
| United Kingdom | Not confirmed |
Additional countries for Bank of Ireland: 2. Additional countries for LEND.ch: 1.
Where these facts come from
Bank of Ireland
- personalbanking.bankofireland.com: 6 facts, checked September 26, 2026
- bankofireland.com: 4 facts, checked September 26, 2026
- en.wikipedia.org: 1 fact, checked September 26, 2026
LEND.ch
- lend.ch: 6 facts, checked September 26, 2026
Every fact side by side
| Fact | Bank of Ireland | LEND.ch |
|---|---|---|
| Legal entity | Bank of Ireland Group plc | Switzerlend AG (CHE-456.445.646) |
| Headquarters | Ireland | Switzerland |
| Founded | 1783Lower | 2015 |
| Support channels | Phone, Chat, Help centre, Community | Email, Chat, Help centre |
Loans
| Fact | Bank of Ireland | LEND.ch |
|---|---|---|
| APR | 7.1% to 8.9% | 4.3% to 9.96%Lower |
| Loan amount | €2,000 to €75,000 | from CHF 10,000 |
| Term | 12 to 60 months | 12 to 84 monthsHigher |
| Arrangement fee | 0 EUR - no arrangement fee | One-off origination fee, score-dependent, charged for the whole loan term and deducted from the payout (e.g. CHF 130 per year for 36 months, CHF 390 total on CHF 20,000) |
| Credit check | Hard | Hard |
| Funding time | 24-48 hours after signed credit agreement | Not confirmed |
| Representative example | Personal loan of EUR20,000 over 5 years at 6.9% variable, 7.1% APR, monthly repayment EUR394.71, cost of credit EUR3,682.60 | Personal loan CHF 20'000 over 36 months, score A+: annual fee CHF 130, total fee CHF 390, payout CHF 19'610; effective interest rate 4.30% to 9.96% |
| Rate type | Variable | Not confirmed |
| Free early repayment | Yes | Yes |
| Eligibility | 18 years of age or over, resident in the Republic of Ireland, and an existing Bank of Ireland current account customer registered for 365 online to apply online | Of legal age, resident in Switzerland, holder of a Swiss bank account, with a regular income (Swiss residents with permanent employment) |
| Origination fee (%) | 0% | Not confirmed |
| Loan types | Personal, Car, Student | Personal, Debt consolidation, Car, Student, Business, Secured, BridgingCovers more |
| Use cases | Not confirmed | Home improvement |
Where each stands against the rest
| Fact | Bank of Ireland | LEND.ch | Median |
|---|---|---|---|
| Initial rate | 3.1%lowest quarter | Not confirmed | 4.425% |
| APRC | 3.8%lowest quarter | Not confirmed | 5.04% |
| Fixed period | 4 yearsbelow the median | Not confirmed | 10 years |
| Maximum loan to value | 90%at the median | Not confirmed | 90% |
| Product fee | €150 to €250above the median | Not confirmed | €0 |
Median across 238 listed lenders.
Pros and cons
Bank of Ireland
Pros
- No arrangement fee on the personal loan: 0 EUR - no arrangement fee
- Variable personal loan rates of 7.1% to 8.9%, below the 12% site median
- A direct lender rather than a broker, so you deal with the lender itself
Cons
- Applying online needs an existing current account with a waiting period of registered online use
- A hard credit check applies, while 72.7% of lenders on the site also use one
- The fixed mortgage period of 4 sits below the 10 median for mortgage products
LEND.ch
Pros
- Rates of 4.3% to 9.96% sit below the 12% median across loans on the site and below the 10% to 23% range at Monzo Flex.
- Early repayment is free, matching 81.2% of the loans across the site, so a fee spread over the term can be cut short without a charge.
- A single application can cover personal, debt consolidation and car under the same marketplace structure, rather than a separate search for each purpose.
Cons
- The arrangement fee is score dependent and charged across the whole term, so a weaker profile pays more for the same 4.3% to 9.96%.
- The fee is deducted from the payout, as the representative example shows, so the amount landing in the account is lower than the amount borrowed and 4.3% to 9.96% understates the cost.
- The credit check is hard, so a search is on the file before any offer, and hard searches account for 72.7% of the loans on the site.
Who each suits
Bank of Ireland
Who it suits
- Existing Bank of Ireland current account customers in the Republic of Ireland looking for a mortgage
- Borrowers who want a personal loan with no arrangement fee and free early repayment
- People who prefer dealing with the lender directly rather than through a broker
Who should look elsewhere
- Borrowers wanting a long fixed mortgage period, since 4 is short against the market
- People without an existing Bank of Ireland current account, who cannot apply online
- Anyone wanting a fixed rate on a personal loan, because variable applies
LEND.ch
Who it suits
- Swiss residents in permanent employment who hold a Swiss bank account and a regular income, which is the stated eligibility.
- Borrowers after a personal or consolidation loan at 4.3% to 9.96% who can carry a hard credit search.
- People funding home improvement or a car purchase who want a single marketplace to quote them.
Who should look elsewhere
- Borrowers who want an interest-free loan should try Cashspace ES, which lists 0%, rather than the 4.3% to 9.96% band here.
- UK borrowers who prefer a 10% to 23% band to 4.3% to 9.96% should look at Monzo Flex, since LEND.ch lends only to residents in Switzerland with a Swiss bank account.
- Borrowers priced out by the PHP 12 to PHP 36 band at Cashspace have room here, where rates run 4.3% to 9.96%.
Current offers
Bank of Ireland
Current offer
Bonus
Cashback Plus on new mortgage drawdown: Up to 3% of mortgage drawdown (2% after drawdown, 1% after 5 years)
For first-time buyers, movers and switchers drawing down a new mortgage on qualifying fixed rates. Not available on High Value Mortgage fixed rates or standard variable rate; additional 1% not available for buy-to-let or equity release. Terms and conditions apply.
Source, checked September 26, 2026
Country by country
| Country | Bank of Ireland | LEND.ch |
|---|---|---|
| Ireland | Yes | No |
| Switzerland | No | Yes |
| United Kingdom | Yes | No |
Questions about each
Bank of Ireland
What is the arrangement fee on a Bank of Ireland personal loan?+
The personal loan carries 0 EUR - no arrangement fee, so there is no arrangement fee to pay when the loan is taken. The percentage fee is 0%. The variable rate behind the loan runs 7.1% to 8.9%, and early repayment is free if you want to clear the balance sooner.
How does the Bank of Ireland personal loan compare with the site median?+
The variable rate of 7.1% to 8.9% sits below the 12% median APR across lenders on the site. Borrowing runs €2,000 to €75,000 over 12 to 60, which is a larger ceiling than the €876.96 median amount on the site.
LEND.ch
What rate am I likely to be offered?+
Rates run 4.3% to 9.96%, which sits below the 12% median across loans on the site and well under the 10% to 23% range at Monzo Flex. The band is a range rather than a single price because the offer depends on your profile, so a weaker file sits nearer the top of it. The score band you land in also sets the fee.
How much is the arrangement fee and when is it taken?+
It is a single origination charge, it depends on your credit score, it is spread across the whole loan term and it is taken out of the payout rather than invoiced separately. The representative example shows the shape: an annual fee on the top score band and a total fee on a personal loan, with the payout reduced by both. Check the payout figure against the amount you asked to borrow.
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