Updated September 28, 2026 · BorrowCue Editorial Team
BBVA vs MoneyHero
BBVA vs MoneyHero: the differences
| Compare | BBVA ReviewVisitVisit |  MoneyHero |
|---|---|---|
| APR | 8.08% to 9.16% | 1% to 17.81%Lower |
| Loan amount | €3,000 to €75,000 | HK$100,000 to HK$3,000,000 |
| Arrangement fee | 0 EUR | HKD 0 (comparison service is free of charge; no fee charged to users) |
| Credit check | Hard | Soft prequal |
| Lender type | Direct lender | Broker |
| Eligibility | Must be a BBVA customer with an account; the 1% rate discount requires payroll (min net EUR 600/month) or pension (min EUR 300/month) domiciled at BBVA | Hong Kong residents aged 18 or over; products do not apply to persons outside the Hong Kong SAR or minors |
| Loan types | Personal | Personal, Debt consolidation, Credit line, CarCovers more |
| Term | 24 to 96 months | Not confirmed |
| Funding time | Money credited to your BBVA account after signing, in 3 steps | Not confirmed |
| Representative example | EUR 10,000 over 8 years: EUR 145.47/month at 9.16% TAE, opening fee 0%, total EUR 13,976.85 | Not confirmed |
| Free early repayment | No | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
| Credit needed | Not confirmed | Fair |
Same on both: Rate type (Fixed), Use cases (Home improvement).
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Key differences
- BBVA scores higher overall: 9.4 vs 9.0.
- Founded is lower at BBVA: 1857 vs 2015.
- APR is lower at MoneyHero: 1% to 17.81% vs 8.08% to 9.16%.
- Loan types: only MoneyHero offers Debt consolidation, Credit line, Car.
Our verdict on each
BBVA
BBVA suits existing customers in Spain who want a fixed-rate personal loan with fees of 0 EUR and the money landing in their BBVA account. The cost picture is the draw: APR of 8.08% to 9.16% sits below the site median, 12%, though the account requirement narrows who can apply.
MoneyHero
MoneyHero is a Hong Kong comparison broker for residents who want a single fee-free search across personal loans, debt consolidation, credit lines and car finance. Loan amounts run HKD 100,000 to HKD 3,000,000 and APR run 1% to 17.81%, and a soft prequal check sits at the quote stage.
Score breakdown
| Area | BBVA | MoneyHero |
|---|---|---|
| Cost | 8.9APR of 8.08% to 9.16% on a personal loan with fees of 0 EUR, below the site median, 12%. | 9.7Higher |
| Offer | 9.6Higher | 9.1Fixed-rate products start at an initial rate of 1.88% with an APRC of 1.88%, and both remortgage and home equity sit in range. |
| Trust | 9.6Higher | 8.4 |
Ranges side by side
| Fact | BBVA | MoneyHero |
|---|---|---|
| APR | 8.08% to 9.16% | 1% to 17.81% |
Licences and countries
| Country | BBVA | MoneyHero |
|---|---|---|
| Hong Kong | Not confirmed | |
| Spain | Comision Nacional del Mercado de Valores (CNMV) MiCA CASP K8MS7FD7N5Z2WQ51AZ71 | Not confirmed |
Additional countries for BBVA: 1. Additional countries for MoneyHero: 1.
Positions in our rankings
| Ranking | BBVA | MoneyHero |
|---|---|---|
| Personal loans | 81 of 1932 | 104 of 1932 |
| Mortgages | 9 of 719 | 13 of 719 |
| Home improvement loans | 34 of 562 | 49 of 562 |
Pick BBVA if, pick MoneyHero if
Pick BBVA if offer matter most.
Pick MoneyHero if cost, apr, and loan types matter most.
Every fact side by side
| Fact | BBVA | MoneyHero |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Not confirmed | Credit line |
| Legal entity | Banco Bilbao Vizcaya Argentaria S.A. | MoneyHero Global Limited |
| Headquarters | Spain | Hong Kong |
| Founded | 1857Lower | 2015 |
| Support channels | Not confirmed | Email, Help centre |
Mortgages
| Fact | BBVA | MoneyHero |
|---|---|---|
| Initial rate | Not confirmed | 1.88% |
| APRC | Not confirmed | 1.88% |
| Maximum loan to value | Not confirmed | 80% |
| Product fee | Not confirmed | HK$0 |
| Purpose | Not confirmed | Home equity, Remortgage |
Where each stands against the rest
| Fact | BBVA | MoneyHero | Median |
|---|---|---|---|
| APR | 8.08% to 9.16%below the median | 1% to 17.81%lowest quarter | 8.99 |
| Term | 24 to 96 monthsabove the median | Not confirmed | 60 |
| Origination fee (%) | 0%below the median | Not confirmed | 0.25% |
Median across 1005 listed lenders.
Pros and cons
BBVA
Pros
- APR of 8.08% to 9.16% sits below the site median, 12%.
- Fees of 0 EUR on a personal loan, so the quoted rate is not padded by an opening charge.
- Money is credited to the BBVA account after signing, so settlement needs no new payee setup.
Cons
- Free early repayment is no, so clearing the balance sooner carries a cost.
- Eligibility starts with holding a BBVA account, and the rate discount asks for a payroll or pension domiciled at BBVA.
- The credit check is hard, so a decline can leave a mark on the credit file.
MoneyHero
Pros
- The comparison service is free of charge and no fee is charged to users, so searching costs nothing.
- Applications run a soft prequal, so an early look does not need a full credit file.
- Loan amounts run HKD 100,000 to HKD 3,000,000, well past the €876.96 typical amount on the site.
Cons
- Support runs on email and help centre only, so questions on a live application have no phone route.
- MoneyHero is a broker, so the approval decision and the final contract sit with the partner bank rather than the site.
- The dearest end of 1% to 17.81% sits above the 12% site median, and the products ask for fair credit.
Who each suits
BBVA
Who it suits
- Existing BBVA account holders in Spain with a domiciled payroll or pension who want a rate they can plan around.
- Borrowers funding a home improvement project who can spread the cost, since terms run 24 to 96.
- Readers who prefer the lender to hold the contract rather than a broker, since BBVA is a direct lender.
Who should look elsewhere
- Cashspace, priced at an APR of PHP 12 to PHP 36, if you want a different rate band than BBVA's 8.08% to 9.16%.
- Monzo Flex, at 10% to 23%, for readers comparing a UK lender rather than a Spanish bank.
- Cashspace ES, whose listed APR of 0% reads lower than BBVA's 8.08% to 9.16%.
MoneyHero
Who it suits
- Hong Kong residents who are adults and want a fee-free search across personal loans, debt consolidation, credit lines and car finance.
- Borrowers who would rather compare partner bank offers once than apply to a single lender.
- Homeowners with equity to release, since the range also covers home equity and remortgage.
Who should look elsewhere
- Borrowers chasing the cheapest headline rate: Cashspace quotes APR of PHP 12 to PHP 36.
- People who want to deal with a single lender instead of a comparison service: Monzo Flex quotes APR of 10% to 23%, while MoneyHero works as a broker.
- Applicants outside the Hong Kong SAR, and minors, since the eligibility terms apply to Hong Kong residents who are adults.
Current offers
MoneyHero
Current offer
Bonus
September tax season thank-you festival, CNCBI $mart Plus instalment loan: HKD 3,300
Apply via MoneyHero during the September tax season campaign; page updated 21 September 2026; subject to terms and conditions
Source, checked September 26, 2026
Country by country
| Country | BBVA | MoneyHero |
|---|---|---|
| Hong Kong | No | Yes |
| Spain | Yes | No |
Questions about each
BBVA
What rate does BBVA charge on a personal loan?+
The personal loan carries an APR of 8.08% to 9.16%, fixed for the whole term. The published example pairs that rate with fees of 0 EUR, so the quoted figure is not padded by an opening charge. Terms run 24 to 96, which shapes the monthly instalment.
Is BBVA regulated?+
BBVA appears in the Spanish register under the Comision Nacional del Mercado de Valores (CNMV), listed as licence MiCA CASP K8MS7FD7N5Z2WQ51AZ71. The legal entity behind the brand is Banco Bilbao Vizcaya Argentaria S.A., and the bank is a direct lender, so the contract is with the bank itself.
MoneyHero
Does MoneyHero charge an arrangement fee?+
The comparison service is free of charge and no fee is charged to users, so nothing is payable for the search itself. On the home equity and remortgage products, the product fee is listed as HKD 0.
Is MoneyHero a lender?+
MoneyHero is a broker, run by MoneyHero Global Limited. That means the site places offers from several partner banks next to each other, and the bank you apply to is the one that decides the rate, the approval and the contract.
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