Updated October 14, 2026 · BorrowCue Editorial Team
S-Pankki vs Taishin Bank
What sets them apart
| Compare |  S-Pankki | Taishin Bank ReviewSee alternativesSee alternatives |
|---|---|---|
| Initial rate | 3.6% | 3% to 4.49%Lower |
| APRC | 3.8% | 3.04% to 4.55%Lower |
| Fixed period | 5 to 10 years | 20 yearsHigher |
| Maximum loan to value | 95%Higher | 80% |
| Product fee | €300 | NT$8,000 to NT$10,000 |
| Purpose | Purchase, Remortgage, First time buyer, Buy to let, Equity release | Purchase, Remortgage, Home equity, Equity release |
Same on both: Lender type (Direct lender).
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
- Taishin Bank scores higher overall: 9.3 vs 9.0.
- Founded is lower at Taishin Bank: 1992 vs 2006 to 2007.
- Initial rate is lower at Taishin Bank: 3% to 4.49% vs 3.6%.
- APRC is lower at Taishin Bank: 3.04% to 4.55% vs 3.8%.
- Fixed period is higher at Taishin Bank: 20 years vs 5 to 10 years.
- Maximum loan to value is higher at S-Pankki: 95% vs 80%.
- Support channels: only Taishin Bank offers Email, Chat, Community.
- Purpose: only S-Pankki offers First time buyer, Buy to let.
- Purpose: only Taishin Bank offers Home equity.
Our verdict on each
S-Pankki
S-Pankki suits a Finnish borrower who wants to stretch a mortgage against as much of a property's value as possible and holds an account there. The trade-off is price: the mortgage starts at 3.6%, while the personal loan carries an APR of 25.005%.
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 | S-Pankki | Taishin Bank |
|---|---|---|
| Cost | 9.1HigherOrigination fee is 0 EUR and early repayment is free, but the S-Laina APR of 25.005% is high. | 8.8 |
| Offer | 9.1A fixed stretch of 5 to 10 and a maximum loan to value of 95% suit buyers with limited deposits. | 9.8Higher |
| Trust | 8.9 | 9.3Higher |
Which one suits you
Pick S-Pankki if cost and maximum loan to value matter most.
Pick Taishin Bank if offer, trust, initial rate, aprc, and fixed period matter most.
Sources behind this comparison
S-Pankki
- s-pankki.fi: 10 facts, checked September 26, 2026
- fi.wikipedia.org: 1 fact, checked September 26, 2026
Taishin Bank
- taishinbank.com.tw: 11 facts, checked September 26, 2026
How they place
| Ranking | S-Pankki | Taishin Bank |
|---|---|---|
| Personal loans | 741 of 1920 | 382 of 1920 |
| Mortgages | 264 of 716 | 99 of 716 |
| Remortgage deals | 191 of 351 | 69 of 351 |
| Equity release | 14 of 32 | 3 of 32 |
Every fact side by side
| Fact | S-Pankki | Taishin Bank |
|---|---|---|
| Legal entity | S-Pankki Oyj | Taishin International Bank Co., Ltd. (Taishin Bank), Unified No. 86519539 |
| Headquarters | Finland | Taiwan |
| Founded | 2006 to 2007 | 1992Lower |
| Support channels | Phone, Help centre | Phone, Email, Chat, Help centre, CommunityCovers more |
Loans
| Fact | S-Pankki | Taishin Bank |
|---|---|---|
| APR | 25.005% | 4.12% to 16.39%Lower |
| Loan amount | €5,000 to €50,000 | NT$150,000 to NT$5,000,000 |
| Term | 12 to 144 monthsHigher | 24 to 120 months |
| Arrangement fee | 0 EUR | NT$9,000 total related fees in the general credit loan APR example |
| Credit check | Hard | Hard |
| Funding time | Paid to the account given in the application after signing the loan agreement; customers report it on the same day | Funds available within 30 minutes after approval |
| Representative example | S-Laina of 5 000 EUR over 12 months at the highest possible rate: monthly payment 469.24 EUR, 5 630.88 EUR paid in total | 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% |
| Features | Credit line | Same day funding |
| Rate type | Variable | Variable |
| Free early repayment | YesHas it | No |
| Eligibility | S-Laina: at least 21 years old, Finnish personal identity code, permanently resident in Finland, regular gross income of at least 1 200 EUR per month, no registered payment defaults, existing S-Pankki customer with an S-Tili account | 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 | Personal |
| Credit needed | Fair | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Where each stands against the rest
| Fact | S-Pankki | Taishin Bank | Median |
|---|---|---|---|
| Initial rate | 3.6%below the median | 3% to 4.49%lowest quarter | 4.74% |
| APRC | 3.8%lowest quarter | 3.04% to 4.55%lowest quarter | 5.11% |
| Fixed period | 5 to 10 yearsat the median | 20 yearsabove the median | 10 |
| Maximum loan to value | 95%above the median | 80%below the median | 90% |
Median across 285 listed lenders.
Pros and cons
S-Pankki
Pros
- A maximum loan to value of 95% lets a buyer stretch closer to the full value of the property.
- The mortgage initial rate of 3.6% sits well below Sofkredit's 8% to 14%.
- The rate is fixed for 5 to 10, so the monthly payment is known in advance.
Cons
- The S-Laina APR reaches 25.005% at the top of the range, and the representative example shows a total repaid well above the amount borrowed, so a slow repayment costs a lot of rate.
- The S-Laina rate is variable, so the payment can rise when the base rate moves and there is no fixed period to hold it steady.
- The credit search is hard, and only 20.4% of lenders on the site rely on a soft prequalification instead.
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
S-Pankki
Who it suits
- A buyer with limited savings, since the maximum loan to value of 95% is what makes a small deposit workable.
- An existing S-Pankki customer: the S-Laina asks for an S-Tili account, a Finnish personal identity code, permanent residence in Finland and no registered payment defaults.
- A borrower who wants the rate held at 3.6% for 5 to 10 and then chooses again.
Who should look elsewhere
- Not for a reader shopping on the lowest headline rate: Prestalo lists 2.36% and Creditilia ES lists 4%, both under S-Pankki's 3.6%.
- Not for someone who needs a larger unsecured loan than the S-Laina amount of €5,000 to €50,000, or a lighter touch than a hard search.
- Not for a rate comparison that treats a wide range as more choice: Sofkredit's 8% to 14% sits far above S-Pankki's 3.6%, so that is the costlier direction to move in.
Taishin Bank
Who it suits
- Taiwan nationals aged 20 to 60 comparing Taishin personal-credit products and online application services.
Current offers
S-Pankki
Current offer
Bonus
Mortgage without delivery fee: 0 EUR delivery fee (normally at least 300 EUR)
Valid for new mortgage applications made 14.9.-31.10.2026: first-home buyers, home movers and mortgage transfers to S-Pankki
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 | S-Pankki | Taishin Bank |
|---|---|---|
| Finland | Yes | No |
| Taiwan | No | Yes |
Questions about each
S-Pankki
How much does a S-Laina cost to borrow?+
The quoted APR is 25.005%, which is the rate at the top of the range rather than the everyday price. The representative example shows the smallest loan over the shortest term paid at that highest rate, so the total repaid comes to clearly more than the amount borrowed. The origination fee is 0 EUR, so arranging the loan adds nothing to the first payment.
What does the mortgage cost in fees?+
The mortgage carries a product fee of €300, so unlike the S-Laina, where the origination fee is 0 EUR, taking out a home loan is not free to arrange. The annual percentage rate on the mortgage is 3.8%, which spreads the cost of borrowing over the fixed period rather than showing the headline rate alone.
Can I repay a S-Laina early without a charge?+
Early repayment is free, so interest you have overpaid can be handed back without a charge, and 81.2% of the lenders on the site do the same. On a S-Laina the continuing cost is the rate, which reaches 25.005% at the top of the range, so repaying sooner limits what that rate does to the total.
How much can I borrow against my home?+
The maximum loan to value is 95%, so the mortgage can run to most of the property's value and a buyer needs less of a deposit. The lender also covers purchase, remortgage and first time buyer lending, which includes purchase, remortgage, first-time-buyer, buy-to-let and equity-release work, so the same lender can follow you when you move or take out equity later.