Updated September 28, 2026 · BorrowCue Editorial Team
Bank of Ireland vs Moneyland.ch
Where Bank of Ireland and Moneyland.ch differ
| Compare |  Bank of Ireland |  Moneyland.ch |
|---|---|---|
| Fixed period | 4 years | 1 to 20 yearsHigher |
| Maximum loan to value | 90% | 66% to 90% |
| Product fee | €150 to €250 | CHF 0 |
| Lender type | Direct lender | Broker |
| Initial rate | 3.1% | Not confirmed |
| APRC | 3.8% | Not confirmed |
Same on both: Purpose (Purchase, Remortgage, First time buyer, Buy to let, Equity release).
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Key differences
- Bank of Ireland scores higher overall: 9.4 vs 9.1.
- Founded is lower at Bank of Ireland: 1783 vs 2013.
- Fixed period is higher at Moneyland.ch: 1 to 20 years vs 4 years.
- Support channels: only Bank of Ireland offers Chat, Help centre.
- Support channels: only Moneyland.ch offers Email.
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%.
Moneyland.ch
Moneyland.ch suits Swiss borrowers with permanent employment who want a personal loan or to consolidate debt, with an origination fee of 0 CHF and free early repayment on offer. Rates of 4% to 12% compare favourably with Cashpace at PHP 12 to PHP 36, though payout waits run over weeks.
Score breakdown
| Area | Bank of Ireland | Moneyland.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. | 9.4Higher |
| Offer | 9.2Fixed mortgage hold is 4, lower than the 10 median fixed period. | 9.6HigherRates of 4% to 12%, an origination fee of 0 CHF and free early repayment make the cost of a loan here easy to predict. |
| Trust | 9.6Higher | 8.4 |
Positions in our rankings
| Ranking | Bank of Ireland | Moneyland.ch |
|---|---|---|
| Personal loans | 258 of 1932 | 582 of 1932 |
| Mortgages | 42 of 719 | 194 of 719 |
| Remortgage deals | 26 of 351 | 140 of 351 |
| Equity release | 2 of 32 | 8 of 32 |
Also worth a look
Prestalo has fixed period at 25 years, against 4 years for Bank of Ireland and 1 to 20 years for Moneyland.ch.
Prestalo reviewEvery fact side by side
| Fact | Bank of Ireland | Moneyland.ch |
|---|---|---|
| Legal entity | Bank of Ireland Group plc | moneyland.ch AG |
| Headquarters | Ireland | Switzerland |
| Founded | 1783Lower | 2013 |
| Support channels | Phone, Chat, Help centre, Community | Email, Phone, Community |
Loans
| Fact | Bank of Ireland | Moneyland.ch |
|---|---|---|
| APR | 7.1% to 8.9% | 4% to 12%Lower |
| Loan amount | €2,000 to €75,000 | CHF 40,000 to CHF 250,000 |
| Term | 12 to 60 months | 60 to 120 monthsHigher |
| Arrangement fee | 0 EUR - no arrangement fee | 0 CHF |
| Credit check | Hard | Soft prequal |
| Funding time | 24-48 hours after signed credit agreement | About three weeks from submitting the application to final payout |
| 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 | Not confirmed |
| 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 | From 18 years, max age usually 64 to 65 at contract start, residence in Switzerland required, permit C usually accepted, permanent employment and minimum net income |
| Origination fee (%) | 0% | Not confirmed |
| Loan types | Personal, Car, Student | Personal, Debt consolidation |
| Credit needed | Not confirmed | Fair |
| Use cases | Not confirmed | Home improvement |
Where each stands against the rest
| Fact | Bank of Ireland | Moneyland.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 | 1 to 20 yearsabove the median | 10 years |
| Maximum loan to value | 90%at the median | 66% to 90%at the median | 90% |
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
Moneyland.ch
Pros
- Personal loan rates of 4% to 12% sit below the ranges at Cashpace, PHP 12 to PHP 36, and Monzo Flex, 10% to 23%.
- The origination fee on a personal loan is 0 CHF, so no setup charge joins the amount you borrow.
- Free early repayment is available, so an overpayment or a payoff before the end of the term costs nothing extra.
Cons
- Payout takes a few weeks from submitting the application to the final payout, so plan the first repayment around that lead time.
- Support runs on email, phone and community only, with no live chat or self service help centre listed.
- The smallest deal sits at the lower edge of CHF 40,000 to CHF 250,000, so a small top up falls out of range.
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
Moneyland.ch
Who it suits
- Borrowers in Switzerland with permanent employment and a minimum net income, comparing personal loans and debt consolidation of CHF 40,000 to CHF 250,000.
- Anyone who expects to repay early, since free early repayment is available.
- Readers who prefer a broker quoting a range of lenders, with 4% to 12% to set beside Cashpace and Monzo Flex.
Who should look elsewhere
- Anyone needing a small loan, since the amount range starts high at CHF 40,000 to CHF 250,000.
- People who want live chat or a self service help centre, since support runs on email, phone and community only.
- Readers who would rather hold a single lender's loan than a broker comparison, as at Monzo Flex with 10% to 23% or Cashpace with PHP 12 to PHP 36.
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
Moneyland.ch
Current offer
Bonus
Swiss private bank discretionary wealth management offer via moneyland special offers: Up to CHF 100 gifted
Individual portfolios and unlimited access to the Wealth Advisor, daily rebalancing, free and uncomplicated via video call
Source, checked September 26, 2026
Bonus
UBS Banking for adults welcome gift via moneyland special offers: CHF 50
Account including savings account and cards managed in the UBS Mobile Banking app, plus KeyClub bonus programme
Source, checked September 26, 2026
Bonus
Saxo Bank special offer via moneyland special offers: Up to CHF 200 brokerage fee refund
Refund of brokerage fees for 90 days, plus free expert analysis and trading signals
Source, checked September 26, 2026
Country by country
| Country | Bank of Ireland | Moneyland.ch |
|---|---|---|
| Ireland | Yes | No |
| Liechtenstein | No | Yes |
| 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.
Moneyland.ch
What will a loan cost me through Moneyland.ch?+
Rates on personal loans run 4% to 12%, and the origination fee is 0 CHF, so the number worth comparing is the interest rate rather than a setup charge added on top. The rate you are finally offered depends on the lender your details reach, so treat the range as the starting point for your own figures.
Are there arrangement or product fees?+
The origination fee on a personal loan is 0 CHF, and the product fee on the mortgage comparison is CHF 0, so neither side adds a separate charge when an agreement starts. What you pay overall is the interest set on your own agreement, and a longer term spreads that cost further across the months.