Updated September 29, 2026 · BorrowCue Editorial Team
Cathay United Bank vs Postbank
Where Cathay United Bank and Postbank differ
| Compare |  Cathay United Bank |  Postbank |
|---|---|---|
| APR | 1.88%Lower | 3.25% to 14.3% |
| Loan amount | NT$5,000,000 | €3,000 to €80,000 |
| Term | 84 months | 12 to 120 monthsHigher |
| Loan types | Personal, Secured, Credit line | Personal, Debt consolidation, Car |
| Arrangement fee | Account management fee NT$9,000 for new personal loan cases | Not confirmed |
| Funding time | Not confirmed | A few days: review normally takes two business days, plus a few days until the money arrives |
| Representative example | Not confirmed | Net loan amount EUR 10,000, effective annual rate 9.67%, nominal rate 9.27% p.a., term 84 months, 85 instalments of EUR 164, total amount EUR 13,724 (Postbank Privatkredit direkt) |
| Rate type | Not confirmed | Fixed |
| Free early repayment | Not confirmed | Yes |
| Eligibility | Not confirmed | At least 18 years old and regular salary, wage or pension payments of sufficient amount; creditworthiness required |
| Credit needed | Not confirmed | Poor |
| Use cases | Not confirmed | Home improvement |
Same on both: Credit check (Hard), Lender type (Direct lender).
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Key differences
- Cathay United Bank scores higher overall: 9.6 vs 9.3.
- APR is lower at Cathay United Bank: 1.88% vs 3.25% to 14.3%.
- Term is higher at Postbank: 12 to 120 months vs 84 months.
- Support channels: only Cathay United Bank offers Chat.
- Loan types: only Cathay United Bank offers Secured, Credit line.
- Loan types: only Postbank offers Debt consolidation, Car.
Our verdict on each
Cathay United Bank
Cathay United Bank suits borrowers in Taiwan who want a large personal or secured loan from the lender itself, and it prices well against the field at an APR of 1.88%. The catch is the account management fee that comes with a new personal loan case.
Postbank
Postbank lends directly at 3.25% to 14.3% on amounts of €3,000 to €80,000, with a fixed rate and free early repayment. It suits German adults with regular income who want a known monthly cost and can wait a few days for the money to arrive.
Score breakdown
| Area | Cathay United Bank | Postbank |
|---|---|---|
| Cost | 9.7HigherDirect lending at an APR of 1.88%, up to TWD 5,000,000, plus an account management fee on new personal loan cases. | 9.4 |
| Offer | 9.8Higher | 9.3Breadth of the offer: €3,000 to €80,000 across 12 to 120, fixed rate with early repayment free. |
| Trust | 9.4Higher | 9.2 |
Which one suits you
Pick Cathay United Bank if cost, offer, and apr matter most.
Pick Postbank if term matter most.
Licences and countries
| Country | Cathay United Bank | Postbank |
|---|---|---|
| Germany | Not confirmed |
Additional countries for Cathay United Bank: 1. Additional countries for Postbank: 1.
Also worth a look
Prestamiau ES has apr at 0% to 36%, against 1.88% for Cathay United Bank and 3.25% to 14.3% for Postbank.
Prestamiau ES reviewWhat we checked
Cathay United Bank
- cathaybk.com.tw: 12 facts, checked September 26, 2026
Postbank
- postbank.de: 17 facts, checked September 26, 2026
How they place
| Ranking | Cathay United Bank | Postbank |
|---|---|---|
| Personal loans | 236 of 1932 | 85 of 1932 |
| Mortgages | 28 of 719 | 10 of 719 |
| Remortgage deals | 15 of 351 | 9 of 351 |
Every fact side by side
| Fact | Cathay United Bank | Postbank |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Credit line | Not confirmed |
| Legal entity | Cathay United Bank Co., Ltd. | Postbank, a branch of Deutsche Bank AG |
| Headquarters | Taiwan | Germany |
| Founded | 1975 | Not confirmed |
| Support channels | Email, Chat, Phone, Help centreCovers more | Email, Phone, Help centre |
Mortgages
| Fact | Cathay United Bank | Postbank |
|---|---|---|
| Product fee | Not confirmed | €0 |
| Purpose | Purchase, Remortgage | Purchase, Remortgage |
Where each stands against the rest
| Fact | Cathay United Bank | Postbank | Median |
|---|---|---|---|
| APR | 1.88%lowest quarter | 3.25% to 14.3%lowest quarter | 8.99% |
| Term | 84 monthsabove the median | 12 to 120 monthshighest quarter | 60 months |
Median across 1005 listed lenders.
Pros and cons
Cathay United Bank
Pros
- Ranks 40 of 350 brands on APR, at 1.88%.
- Borrows up to TWD 5,000,000 for a purchase or a remortgage across a term of 84.
- Covers personal, secured and credit line lending under direct lender, so you deal with the bank rather than a broker.
Cons
- Every case runs a hard credit check, listed as hard.
- New personal loan cases carry an account management fee alongside a rate of 1.88%.
- A term of 84 runs well past the site median, which sits at 36.
Postbank
Pros
- APR of 3.25% to 14.3% compares favourably with the 12.25% median for personal loans on this site.
- Fixed rate for the whole term (fixed), so the monthly outlay does not drift upward.
- Free early repayment, so a windfall can clear the balance without a charge.
Cons
- The rate runs to the top of the 3.25% to 14.3% range for thinner files, and the check is hard.
- Because direct lender lending puts the decision with the bank, funding takes a few days rather than landing at once.
- Borrowing runs through DE, so it is aimed at people with German income rather than applicants abroad.
Who each suits
Cathay United Bank
Who it suits
- Borrowers in Taiwan who want personal, secured or credit line lending from the lender itself rather than a broker.
- People buying or remortgaging a property, since purchase and remortgage cover both uses.
- Applicants ready for a hard credit check, given hard.
Who should look elsewhere
- Anyone who wants to draw a credit line in stages, since Monzo Flex prices its line at 10% to 23%.
- Borrowers after an app-first application, since Cashspace quotes a range of PHP 12 to PHP 36 on a single market.
- Anyone whose own market rate sits low, since Cashspace ES is listed at 0%.
Postbank
Who it suits
- Adults past a minimum age with a regular salary, wage or pension payment, which is what eligibility asks for.
- Borrowers who want the rate fixed to the end of the term, since fixed rate applies.
- People who expect to overpay and finish sooner, since early repayment is free.
Who should look elsewhere
- Anyone chasing interest free borrowing, since Cashspace ES quotes 0%.
- Readers who want to draw and repay repeatedly rather than take one fixed instalment loan, who should weigh Monzo Flex at 10% to 23%.
- Borrowers who want a second opinion on price, since Cashspace publishes PHP 12 to PHP 36 to set beside 3.25% to 14.3%.
Current offers
Postbank
Current offer
Bonus
Tagesgeld new deposits action: 3.2% p.a. interest for 6 months
New deposits only, total Postbank savings balance must increase
Source, checked September 26, 2026
Bonus
Wertpapierdepot online opening credit: EUR 25 credit
Open a securities account online by 30 September 2026
Source, checked September 26, 2026
Country by country
| Country | Cathay United Bank | Postbank |
|---|---|---|
| Germany | No | Yes |
| Taiwan | Yes | No |
Questions about each
Cathay United Bank
What rate does Cathay United Bank charge on a personal loan?+
The bank quotes an APR of 1.88% on its personal loan product, well below where most of the lenders on the site sit. The site median runs at 12%, so the gap is wide. Loans reach TWD 5,000,000 over a term of 84.
What fees come with a new personal loan?+
New personal loan cases pay an account management fee, alongside a rate of 1.88% on the product page. The published charge is written for new cases, so anyone already banking with the bank should check the current terms. Budget for the fee as well as the interest when you compare.
Postbank
What rate would I pay on a Postbank loan?+
Postbank quotes an APR of 3.25% to 14.3% on its direct private loan, which sits against a median of 12.25% for personal loans on this site. The rate is fixed (fixed) for the whole term, so the instalment you sign up for is the one you keep paying.
How much can I borrow and how long can I take to repay it?+
Borrowing runs from €3,000 to €80,000 with terms of 12 to 120, so a larger sum means a longer commitment. It is a direct lender arrangement (direct lender), which means your application sits with the bank rather than with a broker who passes details around.
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