Updated September 29, 2026 · BorrowCue Editorial Team
MoneyHero vs Postbank
MoneyHero vs Postbank: the differences
| Compare |  MoneyHero |  Postbank |
|---|---|---|
| APR | 1% to 17.81%Lower | 3.25% to 14.3% |
| Loan amount | HK$100,000 to HK$3,000,000 | €3,000 to €80,000 |
| Credit check | Soft prequal | Hard |
| Lender type | Broker | Direct lender |
| Eligibility | Hong Kong residents aged 18 or over; products do not apply to persons outside the Hong Kong SAR or minors | At least 18 years old and regular salary, wage or pension payments of sufficient amount; creditworthiness required |
| Loan types | Personal, Debt consolidation, Credit line, CarCovers more | Personal, Debt consolidation, Car |
| Credit needed | Fair | Poor |
| Term | Not confirmed | 12 to 120 months |
| Arrangement fee | HKD 0 (comparison service is free of charge; no fee charged to users) | 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) |
| Free early repayment | Not confirmed | Yes |
Same on both: Rate type (Fixed), 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
- Postbank scores higher overall: 9.3 vs 9.0.
- APR is lower at MoneyHero: 1% to 17.81% vs 3.25% to 14.3%.
- Support channels: only Postbank offers Phone.
- Loan types: only MoneyHero offers Credit line.
Our verdict on each
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.
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 | MoneyHero | Postbank |
|---|---|---|
| Cost | 9.7Higher | 9.4 |
| Offer | 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. | 9.3HigherBreadth of the offer: €3,000 to €80,000 across 12 to 120, fixed rate with early repayment free. |
| Trust | 8.4 | 9.2Higher |
Availability and regulation
| Country | MoneyHero | Postbank |
|---|---|---|
| Germany | Not confirmed | |
| Hong Kong | Not confirmed |
Additional countries for MoneyHero: 1. Additional countries for Postbank: 1.
Feature by feature
| Loan types | MoneyHero | Postbank |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | Yes | Yes |
| Credit line | Yes | No |
| Car | Yes | Yes |
| Use cases | MoneyHero | Postbank |
|---|---|---|
| Home improvement | Yes | Yes |
If neither fits
Prestamiau ES has apr at 0% to 36%, against 1% to 17.81% for MoneyHero and 3.25% to 14.3% for Postbank.
Prestamiau ES reviewWhere these facts come from
MoneyHero
- moneyhero.com.hk: 16 facts, checked September 26, 2026
Postbank
- postbank.de: 17 facts, checked September 26, 2026
How they place
| Ranking | MoneyHero | Postbank |
|---|---|---|
| Personal loans | 104 of 1932 | 85 of 1932 |
| Loans for bad credit | 56 of 275 | 48 of 275 |
| Debt consolidation loans | 40 of 425 | 31 of 425 |
| Mortgages | 13 of 719 | 10 of 719 |
| Remortgage deals | 12 of 351 | 9 of 351 |
| Car loans | 25 of 431 | 21 of 431 |
| Home improvement loans | 49 of 562 | 37 of 562 |
Every fact side by side
| Fact | MoneyHero | Postbank |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Credit line | Not confirmed |
| Legal entity | MoneyHero Global Limited | Postbank, a branch of Deutsche Bank AG |
| Headquarters | Hong Kong | Germany |
| Founded | 2015 | Not confirmed |
| Support channels | Email, Help centre | Email, Phone, Help centreCovers more |
Mortgages
| Fact | MoneyHero | Postbank |
|---|---|---|
| Initial rate | 1.88% | Not confirmed |
| APRC | 1.88% | Not confirmed |
| Maximum loan to value | 80% | Not confirmed |
| Product fee | HK$0 | €0 |
| Purpose | Home equity, Remortgage | Purchase, Remortgage |
Where each stands against the rest
| Fact | MoneyHero | Postbank | Median |
|---|---|---|---|
| APR | 1% to 17.81%lowest quarter | 3.25% to 14.3%lowest quarter | 8.99 |
| Term | Not confirmed | 12 to 120 monthshighest quarter | 60 |
Median across 1005 listed lenders.
Pros and cons
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.
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
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.
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
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
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 | MoneyHero | Postbank |
|---|---|---|
| Germany | No | Yes |
| Hong Kong | Yes | No |
Questions about each
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.
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.
Other options to compare
Other matchups
- MoneyHero vs First National Bank of Omaha
- MoneyHero vs Wells Fargo
- MoneyHero vs AffinityPlus Credit Union
- MoneyHero vs Banco General
- MoneyHero vs BBK
- MoneyHero vs ING Germany
- MoneyHero vs AIB
- MoneyHero vs National Bank of Malawi Mo626 Digital+
- MoneyHero vs VCB Bank
- MoneyHero vs Cathay United Bank
- MoneyHero vs Sofkredit
- MoneyHero vs Creduma ES
- MoneyHero vs Creditilia ES
- MoneyHero vs Lendela
- MoneyHero vs Commerzbank
- MoneyHero vs CHECK24
- MoneyHero vs Berliner Volksbank
- MoneyHero vs LEND.ch
- MoneyHero vs CitiBank AE
- MoneyHero vs Borrowell