Updated September 29, 2026 · BorrowCue Editorial Team
Commerzbank vs AIB
What sets them apart
| Compare |  Commerzbank |  AIB |
|---|---|---|
| APR | 3.29% to 12.49%Lower | 8.95% |
| Loan amount | €1,500 to €100,000Higher | €1,000 to €75,000 |
| Term | 6 to 119 monthsHigher | 12 to 60 months |
| Funding time | Payout generally within 24 hours after the fully digital application and credit approval | Decision within 3 hours; money paid into your Current Account |
| Representative example | Ratenkredit legally required representative example: effective annual rate 6.64% p.a., fixed nominal rate 6.45% p.a., term 60 months, net loan amount EUR 10,000, 60 monthly instalments of EUR 195.41, total EUR 11,724.55 | AIB standard personal loan: €1,500 over 1 year at 8.65% variable interest rate and 8.95% APR, 12 monthly instalments of €130.48, total cost of credit €65.76, total repayable €1,565.76 |
| Rate type | Fixed | Variable |
| Eligibility | At least 18 years old, fixed residence in Germany, current account at a German bank receiving salary or pension, statutory credit check with a Schufa report free of negative entries; private purposes only, not for the self-employed | Over 18s only, subject to approval; Irish residents need a PPSN, residents outside Ireland a PPSN or non-Irish TRN |
| Loan types | Personal | Personal, Car, Student, Credit lineCovers more |
| Use cases | Not confirmed | Home improvement |
Same on both: Credit check (Hard), Lender type (Direct lender), Free early repayment (Yes).
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Key differences
- Founded is lower at Commerzbank: 1870 vs 1966.
- APR is lower at Commerzbank: 3.29% to 12.49% vs 8.95%.
- Loan amount is higher at Commerzbank: €1,500 to €100,000 vs €1,000 to €75,000.
- Term is higher at Commerzbank: 6 to 119 months vs 12 to 60 months.
- Support channels: only Commerzbank offers Email.
- Support channels: only AIB offers Chat.
- Features: only Commerzbank offers Same day funding.
- Features: only AIB offers Credit line.
- Loan types: only AIB offers Car, Student, Credit line.
Our verdict on each
Commerzbank
Commerzbank suits German salaried employees and pensioners with a clean Schufa record who want a fixed-rate instalment loan from a bank they already hold an account with. Interest runs at 3.29% to 12.49% on amounts of €1,500 to €100,000, and payout generally lands within a day of approval.
AIB
Irish retail banks suit borrowers who want a single established bank for home and personal borrowing rather than the widest choice. A home loan initial rate of 3%, an APRC of 3.6% and a personal loan APR of 8.95% keep the cost picture competitive, with a fixed period of 3.
Score breakdown
| Area | Commerzbank | AIB |
|---|---|---|
| Cost | 9.4 | 9.7Higher |
| Offer | 9.2HigherDirect lender offering personal loans at 3.29% to 12.49%, terms of 6 to 119 and free early repayment on the instalment product. | 9.0 |
| Trust | 9.6Higher | 9.3 |
Ranges side by side
| Fact | Commerzbank | AIB |
|---|---|---|
| Loan amount | €1,500 to €100,000 | €1,000 to €75,000 |
| Term | 6 to 119 months | 12 to 60 months |
Cost in a real example
Borrow a typical amount over a typical term (estimate at the stated APR)
Commerzbank
515.31 to 2,041.58
515.31 to 2,041.58
AIB
1,439.53
1,439.53
Commerzbank comes out 924.22 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
How they place
| Ranking | Commerzbank | AIB |
|---|---|---|
| Personal loans | 80 of 1932 | 265 of 1932 |
| Mortgages | 8 of 719 | 48 of 719 |
| Remortgage deals | 8 of 351 | 32 of 351 |
| Home equity loans and HELOCs | 3 of 110 | 13 of 110 |
Every fact side by side
| Fact | Commerzbank | AIB |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Credit line |
| Legal entity | Commerzbank Aktiengesellschaft | Allied Irish Banks, p.l.c. |
| Headquarters | Germany | Ireland |
| Founded | 1870Lower | 1966 |
| Support channels | Email, Phone, Help centre | Phone, Chat, Help centre |
Mortgages
| Fact | Commerzbank | AIB |
|---|---|---|
| Initial rate | 4.45% | 3%Lower |
| APRC | 4.54% | 3.6%Lower |
| Fixed period | 10 yearsHigher | 3 years |
| Maximum loan to value | 60% | 90%Higher |
| Purpose | Purchase, Remortgage, Home equity | Purchase, Remortgage, First time buyer, Buy to let, Home equityCovers more |
Where each stands against the rest
| Fact | Commerzbank | AIB | Median |
|---|---|---|---|
| APR | 3.29% to 12.49%lowest quarter | 8.95%below the median | 8.99 |
| Loan amount | €1,500 to €100,000highest quarter | €1,000 to €75,000above the median | €40,000 |
| Term | 6 to 119 monthshighest quarter | 12 to 60 monthsat the median | 60 |
Median across 1005 listed lenders.
Pros and cons
Commerzbank
Pros
- You deal with a direct lender, so the bank sets the rate and funds the loan with no broker in between.
- Installments run at 3.29% to 12.49% on a fixed basis, and early repayment is free.
- Payout generally lands within a day once a fully digital application is approved, and the loan carries same day funding.
Cons
- The credit check is hard: hard, and eligibility wants a Schufa report free of negative entries.
- Lending covers private purposes and personal loans only, so the self-employed are excluded.
- Support runs on email, phone and help centre only.
AIB
Pros
- Home loan cost sits inside the site range: initial rate 3% against a site median of 4.35%, and APRC 3.6% against 4.9%.
- A single lender covers personal, car and student, and mortgage purposes run to purchase, remortgage and first time buyer.
- Early repayment on the personal loan is free, so borrowing can be cleared ahead of schedule.
Cons
- The fixed period of 3 is short beside a site median of 6.5.
- The credit check is hard, and with the Central Bank of Ireland as regulator an application is recorded.
- Home equity lending is offered, but home loans are capped at a 90% loan to value.
Who each suits
Commerzbank
Who it suits
- Adults living in Germany permanently whose salary or pension is paid into a current account at a German bank.
- Borrowers happy with one fixed rate for the whole term who can clear the balance early at no extra cost.
- Homebuyers and remortgagers who can live with a maximum loan to value of 60%.
Who should look elsewhere
- Self-employed applicants, as the instalment loan is for private purposes only.
- Borrowers chasing the lowest headline rate: Cashspace ES shows 0% and Monzo Flex 10% to 23%, but neither is a German bank loan for residents here.
AIB
Who it suits
- Buyers and movers in Ireland who want a mainstream bank for the home loan and a personal loan alongside it.
- Borrowers planning home improvement work, which the personal loan is aimed at.
- People who prefer a long established direct lender over a broker or marketplace.
Who should look elsewhere
- Borrowers chasing the longest rate fix, since the fixed period of 3 falls well below the site median of 6.5.
- Applicants with thin files, because the credit check is hard.
- Those wanting a credit line option wider than the single credit line listed, though Sofkredit and Creditilia ES quote lower headline rates.
Current offers
Commerzbank
Current offer
Bonus
Automatic individual rate advantage on Ratenkredit for free use concluded online or in the app: 0.01% to 0.6% p.a. lower rate
Valid until further notice; only for Ratenkredite zur freien Verfügung concluded via the online application or app; contracts via comparison portals excluded; amount depends on term and creditworthiness
Source, checked September 26, 2026
AIB
Current offer
Bonus
AIB switcher cash offer: 3000
Switchers availing of the Higher Value 4 year fixed rate can benefit of the EUR3,000 switcher cash offer; available for Private Dwelling House (PDH) mortgages only, switching to Fixed or Variable rates, borrowing at least EUR250,000
Source, checked September 26, 2026
Country by country
| Country | Commerzbank | AIB |
|---|---|---|
| Germany | Yes | No |
| Ireland | No | Yes |
Questions about each
Commerzbank
What interest rate do I pay on a Commerzbank instalment loan?+
The instalment loan is fixed-rate, so fixed rates of 3.29% to 12.49% apply for the whole term. The legally required representative example also sets out the effective annual rate, the nominal rate, the term, the net amount borrowed, the monthly instalment and the total repaid, which makes the real cost easy to check before applying.
How much can I borrow, and over what term?+
Amounts run €1,500 to €100,000 on the instalment loan, and the term runs 6 to 119. You repay in fixed monthly instalments, so a longer term lowers each payment but raises the total repaid, while a shorter term does the opposite.
AIB
What does a home loan from these banks cost?+
The initial rate is 3% and the APRC is 3.6%, which sits below the site median of 4.9% for that measure. Loans are arranged at a maximum loan to value of 90%, and the rate is held for 3.
What does a personal loan cost?+
The APR is 8.95% on a variable rate, with borrowing running from €1,000 to €75,000 over terms of 12 to 60. The published example shows monthly instalments and a total cost of credit, and early repayment is free.
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