Updated September 28, 2026 · BorrowCue Editorial Team
Commerzbank vs MoneyHero
Commerzbank vs MoneyHero: the differences
| Compare |  Commerzbank |  MoneyHero |
|---|---|---|
| APR | 3.29% to 12.49% | 1% to 17.81%Lower |
| Loan amount | €1,500 to €100,000 | HK$100,000 to HK$3,000,000 |
| Credit check | Hard | Soft prequal |
| Lender type | Direct lender | Broker |
| 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 | 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 | 6 to 119 months | Not confirmed |
| Arrangement fee | Not confirmed | HKD 0 (comparison service is free of charge; no fee charged to users) |
| Funding time | Payout generally within 24 hours after the fully digital application and credit approval | Not confirmed |
| 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 | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Credit needed | Not confirmed | Fair |
| Use cases | Not confirmed | Home improvement |
Same on both: Rate type (Fixed).
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Key differences
- Commerzbank scores higher overall: 9.4 vs 9.0.
- Founded is lower at Commerzbank: 1870 vs 2015.
- APR is lower at MoneyHero: 1% to 17.81% vs 3.29% to 12.49%.
- Support channels: only Commerzbank offers Phone.
- Features: only Commerzbank offers Same day funding.
- Features: only MoneyHero offers Credit line.
- Loan types: only MoneyHero offers Debt consolidation, Credit line, Car.
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.
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 | Commerzbank | MoneyHero |
|---|---|---|
| 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. | 9.1Fixed-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 |
A third option
Prestamiau ES has apr at 0% to 36%, against 3.29% to 12.49% for Commerzbank and 1% to 17.81% for MoneyHero.
Prestamiau ES reviewSources behind this comparison
Commerzbank
- commerzbank.de: 16 facts, checked September 26, 2026
- en.wikipedia.org: 1 fact, checked September 26, 2026
MoneyHero
- moneyhero.com.hk: 16 facts, checked September 26, 2026
How they place
| Ranking | Commerzbank | MoneyHero |
|---|---|---|
| Personal loans | 80 of 1932 | 104 of 1932 |
| Mortgages | 8 of 719 | 13 of 719 |
| Remortgage deals | 8 of 351 | 12 of 351 |
| Home equity loans and HELOCs | 3 of 110 | 4 of 110 |
Every fact side by side
| Fact | Commerzbank | MoneyHero |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Credit line |
| Legal entity | Commerzbank Aktiengesellschaft | MoneyHero Global Limited |
| Headquarters | Germany | Hong Kong |
| Founded | 1870Lower | 2015 |
| Support channels | Email, Phone, Help centreCovers more | Email, Help centre |
Mortgages
| Fact | Commerzbank | MoneyHero |
|---|---|---|
| Initial rate | 4.45% | 1.88%Lower |
| APRC | 4.54% | 1.88%Lower |
| Fixed period | 10 years | Not confirmed |
| Maximum loan to value | 60% | 80%Higher |
| Product fee | Not confirmed | HK$0 |
| Purpose | Purchase, Remortgage, Home equityCovers more | Home equity, Remortgage |
Where each stands against the rest
| Fact | Commerzbank | MoneyHero | Median |
|---|---|---|---|
| APR | 3.29% to 12.49%lowest quarter | 1% to 17.81%lowest quarter | 8.99 |
| Term | 6 to 119 monthshighest quarter | Not confirmed | 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.
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
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.
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
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
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 | Commerzbank | MoneyHero |
|---|---|---|
| Germany | Yes | No |
| Hong Kong | 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.
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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