Updated October 14, 2026 · BorrowCue Editorial Team
Moneyland.ch vs Taishin Bank
Where Moneyland.ch and Taishin Bank differ
| Compare |  Moneyland.ch | Taishin Bank ReviewSee alternativesSee alternatives |
|---|---|---|
| APR | 4% to 12%Lower | 4.12% to 16.39% |
| Loan amount | CHF 40,000 to CHF 250,000 | NT$150,000 to NT$5,000,000 |
| Term | 60 to 120 months | 24 to 120 months |
| Arrangement fee | 0 CHF | NT$9,000 total related fees in the general credit loan APR example |
| Credit check | Soft prequal | Hard |
| Funding time | About three weeks from submitting the application to final payout | Funds available within 30 minutes after approval |
| Lender type | Broker | Direct lender |
| Free early repayment | YesHas it | No |
| 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 | ROC (Taiwan) nationals aged 20-60; full-time employees with 6 months' tenure and annual income of at least NT$300,000, or Taishin credit card holders of 6 months or more |
| Loan types | Personal, Debt consolidationCovers more | Personal |
| Representative example | Not confirmed | One-stage amortising credit loan, NT$300,000 for 5 years with a 12-period lock-in period, rate 2.88%-15% floating, total fees NT$9,000, total cost APR 4.12%-16.39% |
| Rate type | Not confirmed | Variable |
| Credit needed | Fair | Not confirmed |
| Use cases | Home improvement | Not confirmed |
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Key differences
- Taishin Bank scores higher overall: 9.3 vs 9.1.
- Founded is lower at Taishin Bank: 1992 vs 2013.
- Moneyland.ch is available in 1 more country.
- APR is lower at Moneyland.ch: 4% to 12% vs 4.12% to 16.39%.
- Free early repayment: only Moneyland.ch.
- Support channels: only Taishin Bank offers Chat, Help centre.
- Loan types: only Moneyland.ch offers Debt consolidation.
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.
Taishin Bank
Taishin Bank Taiwan offers general personal-credit products with online application, contract verification, document submission and status inquiry. The listed general criteria specify local nationals aged 20 to 60.
Score breakdown
| Area | Moneyland.ch | Taishin Bank |
|---|---|---|
| Cost | 9.4Higher | 8.8 |
| Offer | 9.6Rates of 4% to 12%, an origination fee of 0 CHF and free early repayment make the cost of a loan here easy to predict. | 9.8Higher |
| Trust | 8.4 | 9.3Higher |
Ranges side by side
| Fact | Moneyland.ch | Taishin Bank |
|---|---|---|
| APR | 4% to 12% | 4.12% to 16.39% |
| Term | 60 to 120 months | 24 to 120 months |
Choosing between them
Pick Moneyland.ch if cost, apr, free early repayment, and loan types matter most.
Pick Taishin Bank if trust matter most.
Where they rank in our lists
| Ranking | Moneyland.ch | Taishin Bank |
|---|---|---|
| Personal loans | 598 of 1920 | 382 of 1920 |
| Mortgages | 197 of 716 | 99 of 716 |
| Remortgage deals | 142 of 351 | 69 of 351 |
| Equity release | 8 of 32 | 3 of 32 |
Availability and regulation
| Country | Moneyland.ch | Taishin Bank |
|---|---|---|
| Taiwan | Not confirmed |
Additional countries for Moneyland.ch: 2. Additional countries for Taishin Bank: 1.
If neither fits
Prestamiau ES has apr at 0% to 36%, against 4% to 12% for Moneyland.ch and 4.12% to 16.39% for Taishin Bank.
Prestamiau ES reviewEvery fact side by side
| Fact | Moneyland.ch | Taishin Bank |
|---|---|---|
| Features | Not confirmed | Same day funding |
| Legal entity | moneyland.ch AG | Taishin International Bank Co., Ltd. (Taishin Bank), Unified No. 86519539 |
| Headquarters | Switzerland | Taiwan |
| Founded | 2013 | 1992Lower |
| Support channels | Email, Phone, Community | Phone, Email, Chat, Help centre, CommunityCovers more |
Mortgages
| Fact | Moneyland.ch | Taishin Bank |
|---|---|---|
| Initial rate | Not confirmed | 3% to 4.49% |
| APRC | Not confirmed | 3.04% to 4.55% |
| Fixed period | 1 to 20 years | 20 years |
| Maximum loan to value | 66% to 90%Higher | 80% |
| Product fee | CHF 0 | NT$8,000 to NT$10,000 |
| Purpose | Purchase, Remortgage, First time buyer, Buy to let, Equity release | Purchase, Remortgage, Home equity, Equity release |
Where each stands against the rest
| Fact | Moneyland.ch | Taishin Bank | Median |
|---|---|---|---|
| APR | 4% to 12%lowest quarter | 4.12% to 16.39%lowest quarter | 8.99 |
| Term | 60 to 120 monthshighest quarter | 24 to 120 monthshighest quarter | 60 |
Median across 1144 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.
Taishin Bank
Pros
- General personal-credit product.
- Online application, contract verification, document submission and status inquiry.
Cons
- Additional employment and income criteria apply; the age and nationality criteria do not guarantee approval.
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.
Taishin Bank
Who it suits
- Taiwan nationals aged 20 to 60 comparing Taishin personal-credit products and online application services.
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
Taishin Bank
Current offer
Bonus
LG Mall 8-day promotion: 1,500 Taishin Points for NT$15,000 spend: 1,500 points
Limited 8-day promotion, spend of NT$15,000 or more; posted 2026/09/22 in Taishin offers
Source, checked September 26, 2026
Bonus
Taishin Pay+ new customer offer: Up to 19% discount plus 10% rebate
New Taishin Pay+ customers
Source, checked September 26, 2026
Country by country
| Country | Moneyland.ch | Taishin Bank |
|---|---|---|
| Liechtenstein | Yes | No |
| Switzerland | Yes | No |
| Taiwan | 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.
How long does it take to get the money?+
Payout takes a few weeks from the day you submit an application to the final payout, which is a longer wait than a same day transfer. Once the money arrives, the term of 60 to 120 decides how the balance is repaid, so the monthly figure is built on that basis rather than on an urgent timetable.
How much can I borrow, and is that enough for me?+
Amounts run CHF 40,000 to CHF 250,000, so the comparison suits borrowing on a larger scale. A request near the top of that range generally needs a steadier file and a longer conversation with the lender, while a small top up sits below the bottom of it. Home improvement is listed as a use case, so renovation bills are a natural fit.