Updated September 29, 2026 · BorrowCue Editorial Team
AIB vs MoneyHero
Where AIB and MoneyHero differ
| Compare |  AIB |  MoneyHero |
|---|---|---|
| Initial rate | 3% | 1.88%Lower |
| APRC | 3.6% | 1.88%Lower |
| Maximum loan to value | 90%Higher | 80% |
| Purpose | Purchase, Remortgage, First time buyer, Buy to let, Home equityCovers more | Home equity, Remortgage |
| Lender type | Direct lender | Broker |
| Fixed period | 3 years | Not confirmed |
| Product fee | Not confirmed | HK$0 |
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Key differences
- AIB scores higher overall: 9.4 vs 9.0.
- Founded is lower at AIB: 1966 vs 2015.
- Initial rate is lower at MoneyHero: 1.88% vs 3%.
- APRC is lower at MoneyHero: 1.88% vs 3.6%.
- Maximum loan to value is higher at AIB: 90% vs 80%.
- Support channels: only AIB offers Phone, Chat.
- Support channels: only MoneyHero offers Email.
- Purpose: only AIB offers Purchase, First time buyer, Buy to let.
Our verdict on each
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.
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 | AIB | MoneyHero |
|---|---|---|
| Cost | 9.7 | 9.7 |
| Offer | 9.0 | 9.1HigherFixed-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 | 9.3Higher | 8.4 |
How they place
| Ranking | AIB | MoneyHero |
|---|---|---|
| Personal loans | 265 of 1932 | 104 of 1932 |
| Lines of credit | 46 of 328 | 21 of 328 |
| Mortgages | 48 of 719 | 13 of 719 |
| Remortgage deals | 32 of 351 | 12 of 351 |
| Car loans | 49 of 431 | 25 of 431 |
| Home equity loans and HELOCs | 13 of 110 | 4 of 110 |
| Home improvement loans | 79 of 562 | 49 of 562 |
The bill, worked out
200,000 over 25 years, first year
AIB
11,381.07
11,381.07
MoneyHero
10,032.88
10,032.88
MoneyHero comes out 1,348.19 lower in this example.
Excludes product fee (not stated by AIB). Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Choosing between them
Pick AIB if trust, maximum loan to value, and purpose matter most.
Pick MoneyHero if initial rate and aprc matter most.
If neither fits
ZA Bank has aprc at 1.3% to 36%, against 3.6% for AIB and 1.88% for MoneyHero.
ZA Bank reviewEvery fact side by side
| Fact | AIB | MoneyHero |
|---|---|---|
| Legal entity | Allied Irish Banks, p.l.c. | MoneyHero Global Limited |
| Headquarters | Ireland | Hong Kong |
| Founded | 1966Lower | 2015 |
| Support channels | Phone, Chat, Help centre | Email, Help centre |
Loans
| Fact | AIB | MoneyHero |
|---|---|---|
| APR | 8.95% | 1% to 17.81%Lower |
| Loan amount | €1,000 to €75,000 | HK$100,000 to HK$3,000,000 |
| Term | 12 to 60 months | Not confirmed |
| Arrangement fee | Not confirmed | HKD 0 (comparison service is free of charge; no fee charged to users) |
| Credit check | Hard | Soft prequal |
| Funding time | Decision within 3 hours; money paid into your Current Account | Not confirmed |
| Representative example | 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 | Not confirmed |
| Pricing model | Not confirmed | Fixed rate |
| Features | Credit line | Credit line |
| Rate type | Variable | Fixed |
| Free early repayment | Yes | Not confirmed |
| Eligibility | Over 18s only, subject to approval; Irish residents need a PPSN, residents outside Ireland a PPSN or non-Irish TRN | Hong Kong residents aged 18 or over; products do not apply to persons outside the Hong Kong SAR or minors |
| Loan types | Personal, Car, Student, Credit line | Personal, Debt consolidation, Credit line, Car |
| Credit needed | Not confirmed | Fair |
| Use cases | Home improvement | Home improvement |
Where each stands against the rest
| Fact | AIB | MoneyHero | Median |
|---|---|---|---|
| Initial rate | 3%lowest quarter | 1.88%lowest quarter | 4.425% |
| APRC | 3.6%lowest quarter | 1.88%lowest quarter | 5.04% |
| Fixed period | 3 yearslowest quarter | Not confirmed | 10 years |
| Maximum loan to value | 90%at the median | 80%below the median | 90% |
Median across 238 listed lenders.
Pros and cons
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.
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
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.
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
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
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 | AIB | MoneyHero |
|---|---|---|
| Hong Kong | No | Yes |
| Ireland | Yes | No |
Questions about each
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.
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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