Updated September 28, 2026 · BorrowCue Editorial Team
ING Germany vs MoneyHero
ING Germany vs MoneyHero: the differences
| Compare |  ING Germany |  MoneyHero |
|---|---|---|
| APR | 3.69% to 10.99% | 1% to 17.81%Lower |
| Loan amount | €5,000 to €100,000 | 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 | Of age, good credit standing, private not commercial use, stable monthly income of at least 1,600 EUR, residence and workplace in Germany, salary current account | Hong Kong residents aged 18 or over; products do not apply to persons outside the Hong Kong SAR or minors |
| Credit needed | Good | Fair |
| Term | 12 to 120 months | Not confirmed |
| Funding time | Immediate payout on request, otherwise on a chosen date up to 3 months after approval | Not confirmed |
| Representative example | Ratenkredit: net loan 15,000.00 EUR over 120 months, effective annual rate 7.22% (fixed nominal rate 6.99% p.a.), monthly instalment 175.63 EUR, total amount 21,075.24 EUR; at least two thirds of customers receive 7.22% or better | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
Same on both: Rate type (Fixed), Loan types (Personal, Debt consolidation, Car, Credit line), Use cases (Home improvement).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- ING Germany scores higher overall: 9.4 vs 9.0.
- Founded is lower at ING Germany: 1965 vs 2015.
- APR is lower at MoneyHero: 1% to 17.81% vs 3.69% to 10.99%.
- Support channels: only ING Germany offers Phone.
- Features: only ING Germany offers Same day funding.
- Features: only MoneyHero offers Credit line.
Our verdict on each
ING Germany
ING Germany lends directly to residents with a salary current account, and its instalment loan fixes the rate across terms of 12 to 120. It suits borrowers consolidating debt or funding home improvements, though the hard credit check and good credit standing narrow who qualifies.
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 | ING Germany | MoneyHero |
|---|---|---|
| Cost | 9.4Arrangement fee of 0 EUR on a fixed rate of 3.69% to 10.99%, under the 12% typical across the site. | 9.7Higher |
| Offer | 9.4Higher | 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 | 9.5Higher | 8.4 |
Licences and countries
| Country | ING Germany | MoneyHero |
|---|---|---|
| Germany | Not confirmed | |
| Hong Kong | Not confirmed |
Additional countries for ING Germany: 1. Additional countries for MoneyHero: 1.
How they place
| Ranking | ING Germany | MoneyHero |
|---|---|---|
| Personal loans | 264 of 1932 | 104 of 1932 |
| Debt consolidation loans | 63 of 425 | 40 of 425 |
| Mortgages | 47 of 719 | 13 of 719 |
| Remortgage deals | 31 of 351 | 12 of 351 |
| Car loans | 48 of 431 | 25 of 431 |
| Home equity loans and HELOCs | 12 of 110 | 4 of 110 |
| Home improvement loans | 78 of 562 | 49 of 562 |
Feature by feature
| Loan types | ING Germany | MoneyHero |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | Yes | Yes |
| Credit line | Yes | Yes |
| Car | Yes | Yes |
| Use cases | ING Germany | MoneyHero |
|---|---|---|
| Home improvement | Yes | Yes |
A third option
Prestamiau ES has apr at 0% to 36%, against 3.69% to 10.99% for ING Germany and 1% to 17.81% for MoneyHero.
Prestamiau ES reviewEvery fact side by side
| Fact | ING Germany | MoneyHero |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Credit line |
| Legal entity | ING-DiBa AG | MoneyHero Global Limited |
| Headquarters | Germany | Hong Kong |
| Founded | 1965Lower | 2015 |
| Support channels | Phone, Email, Help centreCovers more | Email, Help centre |
Mortgages
| Fact | ING Germany | MoneyHero |
|---|---|---|
| Initial rate | 4.79% | 1.88%Lower |
| APRC | 4.93% | 1.88%Lower |
| Fixed period | 15 years | Not confirmed |
| Maximum loan to value | 100%Higher | 80% |
| Product fee | €0 | HK$0 |
| Purpose | Purchase, Remortgage, Home equityCovers more | Home equity, Remortgage |
Where each stands against the rest
| Fact | ING Germany | MoneyHero | Median |
|---|---|---|---|
| APR | 3.69% to 10.99%lowest quarter | 1% to 17.81%lowest quarter | 8.99 |
| Term | 12 to 120 monthshighest quarter | Not confirmed | 60 |
| Origination fee (%) | 0%below the median | Not confirmed | 0.25% |
Median across 1005 listed lenders.
Pros and cons
ING Germany
Pros
- Fixed rate of 3.69% to 10.99% on borrowing of €5,000 to €100,000, with terms of 12 to 120 and the rate held for the life of the loan.
- Same-day funding on request, and early repayment is free.
- Regulated in Germany by BaFin, with support on phone, email and help centre.
Cons
- The credit check is hard and credit standing of good is needed, so a thin file is unlikely to pass.
- Eligibility requires a salary current account plus residence and workplace in Germany, so applicants paid elsewhere or based abroad are excluded.
- Support runs on phone, email and help centre only, with no live chat option listed.
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
ING Germany
Who it suits
- Residents of Germany paid a salary into a current account, applying for a fixed-rate instalment loan.
- Borrowers consolidating debt or planning home improvement, since the lending covers both alongside car loans and a credit line.
- Homebuyers and movers, with home financing at an initial rate of 4.79%.
Who should look elsewhere
- Applicants with a poor credit file, since the check is hard and credit standing of good is required.
- Borrowers who rank lenders purely on the lowest published rate, since Cashspace ES lists 0% against 3.69% to 10.99% here.
- People without a salary current account or living outside Germany, which the eligibility terms require.
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
ING Germany
Current offer
Discount code
Autumn interest discount of up to -0.50% on new Ratenkredit, Autokredit and Wohnkredit: -0.30% on the fixed nominal interest rate, up to -0.50% combined for loan amounts from 40,001 EUR
Applications for new instalment, car or mortgage loans by 04.10.2026; -0.20% extra discount from a loan amount of 40,001 EUR; discount applied automatically in the personal best-rate offer
Source, checked September 26, 2026
Bonus
My ING current account to loan promotion: One month of interest on your Ratenkredit refunded
Open an ING Girokonto within 3 months of taking out the Ratenkredit and use it as a salary current account
Source, checked September 26, 2026
Bonus
Free Girokonto plus 200 EUR on top: 200 EUR
New Girokonto with at least 1,000 EUR incoming payments per calendar month; current account free for customers under 28
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 | ING Germany | MoneyHero |
|---|---|---|
| Germany | Yes | No |
| Hong Kong | No | Yes |
Questions about each
ING Germany
What can I borrow from ING Germany for personal use?+
The published lending covers personal, debt consolidation and car borrowing, with home improvement named as a use. Amounts run to €5,000 to €100,000 across terms of 12 to 120, and the rate is fixed for the life of the loan.
What rate do I pay on an instalment loan?+
The advertised rate is 3.69% to 10.99%, quoted for a fixed-rate loan of €5,000 to €100,000 over 12 to 120. The worked example pairs a fixed nominal rate with the effective annual rate, so the effective figure is the one to compare across lenders.
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.
Other options to compare
Other matchups
- ING Germany vs AffinityPlus Credit Union
- ING Germany vs Banco General
- ING Germany vs BBK
- ING Germany vs AIB
- ING Germany vs National Bank of Malawi Mo626 Digital+
- ING Germany vs VCB Bank
- MoneyHero vs First National Bank of Omaha
- MoneyHero vs Wells Fargo
- MoneyHero vs Cathay United Bank
- ING Germany vs Sofkredit
- ING Germany vs Creduma ES
- MoneyHero vs Creditilia ES
- MoneyHero vs Lendela
- ING Germany vs Commerzbank
- MoneyHero vs Postbank
- MoneyHero vs CHECK24
- ING Germany vs LEND.ch
- MoneyHero vs CitiBank AE
- MoneyHero vs Borrowell