Updated September 28, 2026 · BorrowCue Editorial Team
Moneyland.ch vs National Building Society
Where Moneyland.ch and National Building Society differ
| Compare |  Moneyland.ch |  National Building Society |
|---|---|---|
| Term | 60 to 120 monthsHigher | 12 months |
| Funding time | About three weeks from submitting the application to final payout | 5 working days |
| Lender type | Broker | Direct lender |
| Eligibility | From 18 years, max age usually 64 to 65 at contract start, residence in Switzerland required, permit C usually accepted, permanent employment and minimum net income | Applicants must have income paid directly into an NBS account, with national ID, proof of residence, proof of income and 3 months' bank statements |
| Loan types | Personal, Debt consolidation | Personal, Secured |
| APR | 4% to 12% | Not confirmed |
| Loan amount | CHF 40,000 to CHF 250,000 | Not confirmed |
| Arrangement fee | 0 CHF | Not confirmed |
| Credit check | Soft prequal | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Credit needed | Fair | Not confirmed |
Same on both: Use cases (Home improvement).
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Key differences
- Moneyland.ch is available in 1 more country.
- Term is higher at Moneyland.ch: 60 to 120 months vs 12 months.
- Support channels: only Moneyland.ch offers Community.
- Support channels: only National Building Society offers Help centre.
- Loan types: only Moneyland.ch offers Debt consolidation.
- Loan types: only National Building Society offers Secured.
Our verdict on each
Moneyland.ch
Moneyland.ch suits Swiss borrowers with permanent employment who want a personal loan or to consolidate debt, with an origination fee of 0 CHF and free early repayment on offer. Rates of 4% to 12% compare favourably with Cashpace at PHP 12 to PHP 36, though payout waits run over weeks.
National Building Society
National Building Society suits borrowers who already bank with the society and want home finance and personal lending in one place. Its 50% maximum loan to value sits below what many rivals offer, so buyers needing a larger mortgage should compare elsewhere before applying.
Score breakdown
| Area | Moneyland.ch | National Building Society |
|---|---|---|
| Cost | 9.4 | Not confirmed |
| Offer | 9.6HigherRates of 4% to 12%, an origination fee of 0 CHF and free early repayment make the cost of a loan here easy to predict. | 8.8Sets 50% for property lending and a 5 to 25 fixed period, plus personal and secured loans. |
| Trust | 8.4 | 9.2Higher |
Choosing between them
Pick Moneyland.ch if offer and term matter most.
Pick National Building Society if trust matter most.
Where they rank in our lists
| Ranking | Moneyland.ch | National Building Society |
|---|---|---|
| Personal loans | 582 of 1932 | 598 of 1932 |
| Mortgages | 194 of 719 | 202 of 719 |
| Home improvement loans | 255 of 562 | 264 of 562 |
| Equity release | 8 of 32 | 10 of 32 |
Side by side, item by item
| Loan types | Moneyland.ch | National Building Society |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | Yes | No |
| Secured | No | Yes |
| Use cases | Moneyland.ch | National Building Society |
|---|---|---|
| Home improvement | Yes | Yes |
Every fact side by side
| Fact | Moneyland.ch | National Building Society |
|---|---|---|
| Legal entity | moneyland.ch AG | National Building Society Limited |
| Headquarters | Switzerland | Zimbabwe |
| Founded | 2013 | Not confirmed |
| Support channels | Email, Phone, Community | Email, Phone, Help centre |
Mortgages
| Fact | Moneyland.ch | National Building Society |
|---|---|---|
| Fixed period | 1 to 20 years | 5 to 25 yearsHigher |
| Maximum loan to value | 66% to 90%Higher | 50% |
| Product fee | CHF 0 | Not confirmed |
| Purpose | Purchase, Remortgage, First time buyer, Buy to let, Equity releaseCovers more | Purchase, Equity release |
Where each stands against the rest
| Fact | Moneyland.ch | National Building Society | Median |
|---|---|---|---|
| APR | 4% to 12%lowest quarter | Not confirmed | 8.99 |
| Loan amount | CHF 40,000 to CHF 250,000at the median | Not confirmed | CHF 250,000 |
| Term | 60 to 120 monthshighest quarter | 12 monthslowest quarter | 60 |
Median across 1005 listed lenders.
Pros and cons
Moneyland.ch
Pros
- Personal loan rates of 4% to 12% sit below the ranges at Cashpace, PHP 12 to PHP 36, and Monzo Flex, 10% to 23%.
- The origination fee on a personal loan is 0 CHF, so no setup charge joins the amount you borrow.
- Free early repayment is available, so an overpayment or a payoff before the end of the term costs nothing extra.
Cons
- Payout takes a few weeks from submitting the application to the final payout, so plan the first repayment around that lead time.
- Support runs on email, phone and community only, with no live chat or self service help centre listed.
- The smallest deal sits at the lower edge of CHF 40,000 to CHF 250,000, so a small top up falls out of range.
National Building Society
Pros
- Fixed periods of 5 to 25 give borrowers room to plan ahead
- Home improvement is listed as a use case, alongside purchase and equity release
- A direct lender, so applications go straight to the provider rather than a broker
Cons
- The 50% ceiling is low for a home purchase, and a 12 personal loan term is short
- Lending is listed as personal and secured, so debt consolidation and car finance sit outside the range
- Funding takes 5 working days on personal loans, longer than the quickest lenders compared here
Who each suits
Moneyland.ch
Who it suits
- Borrowers in Switzerland with permanent employment and a minimum net income, comparing personal loans and debt consolidation of CHF 40,000 to CHF 250,000.
- Anyone who expects to repay early, since free early repayment is available.
- Readers who prefer a broker quoting a range of lenders, with 4% to 12% to set beside Cashpace and Monzo Flex.
Who should look elsewhere
- Anyone needing a small loan, since the amount range starts high at CHF 40,000 to CHF 250,000.
- People who want live chat or a self service help centre, since support runs on email, phone and community only.
- Readers who would rather hold a single lender's loan than a broker comparison, as at Monzo Flex with 10% to 23% or Cashpace with PHP 12 to PHP 36.
National Building Society
Who it suits
- Borrowers who keep their salary in an account with the society
- Home buyers who value a longer fixed period over a higher loan to value
- Members planning home improvement work
Who should look elsewhere
- Anyone borrowing the maximum the market offers, because 50% is capped low
- Applicants with income paid outside the society, since eligibility requires a National Building Society account
- Sofkredit, Creditilia ES and Prestalo followers, whose fixed periods of 0.5 to 20, 5 and 25 sit elsewhere in the market
Current offers
Moneyland.ch
Current offer
Bonus
Swiss private bank discretionary wealth management offer via moneyland special offers: Up to CHF 100 gifted
Individual portfolios and unlimited access to the Wealth Advisor, daily rebalancing, free and uncomplicated via video call
Source, checked September 26, 2026
Bonus
UBS Banking for adults welcome gift via moneyland special offers: CHF 50
Account including savings account and cards managed in the UBS Mobile Banking app, plus KeyClub bonus programme
Source, checked September 26, 2026
Bonus
Saxo Bank special offer via moneyland special offers: Up to CHF 200 brokerage fee refund
Refund of brokerage fees for 90 days, plus free expert analysis and trading signals
Source, checked September 26, 2026
Country by country
| Country | Moneyland.ch | National Building Society |
|---|---|---|
| Liechtenstein | Yes | No |
| Switzerland | Yes | No |
| Zimbabwe | No | Yes |
Questions about each
Moneyland.ch
What will a loan cost me through Moneyland.ch?+
Rates on personal loans run 4% to 12%, and the origination fee is 0 CHF, so the number worth comparing is the interest rate rather than a setup charge added on top. The rate you are finally offered depends on the lender your details reach, so treat the range as the starting point for your own figures.
Are there arrangement or product fees?+
The origination fee on a personal loan is 0 CHF, and the product fee on the mortgage comparison is CHF 0, so neither side adds a separate charge when an agreement starts. What you pay overall is the interest set on your own agreement, and a longer term spreads that cost further across the months.
National Building Society
What fixed periods can I choose?+
Fixed periods run 5 to 25, a spread of lengths for a purchase, an equity release or a home improvement plan. The upper end suits a borrower who wants the payment settled for years, while the shorter end keeps the rate commitment modest if plans change.
How much can I borrow against a home?+
The maximum loan to value is 50%, so you would fund a large share of the purchase price yourself. That suits buyers with a solid deposit or equity in an existing property. Anyone stretching further on the deposit would find a higher ceiling elsewhere.