Well Link Bank review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.

Our verdict

Well Link Bank lends its own money in Macao rather than brokering other people's, and one rate band of 4% to 12% covers both its personal and secured loans. It suits borrowers who want a single bank relationship, and who can live with pricing that can change.

Key facts

Best for
Borrowers in Macao wanting personal or secured lending straight from a local bank, on one rate band.
APR
4% to 12% (Source, checked September 26, 2026)
Loan amount
MOP 10,000 to MOP 10,000,000 (Source, checked September 26, 2026)
Term
3 to 60 months (Source, checked September 26, 2026)
Rate type
Variable (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Loan types
Personal, Secured (Source, checked September 26, 2026)
Legal entity
Well Link Bank (立橋銀行股份有限公司) (Source, checked September 26, 2026)
Headquarters
Macao (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Official website
wlbank.com.mo

Apps and profiles

Get the app
Google Play
Elsewhere
WikidataWikipediafacebook.com

Pros and cons

Pros

  • You deal with the lender directly, so there is no broker layer between you and the decision
  • Rates of 4% to 12% apply to both personal and secured loans, so one band covers either product
  • Borrowing of MOP 10,000 to MOP 10,000,000 stretches from a modest personal loan to a large secured one
  • Support by phone, email and a help centre means you can reach someone in your own way

Cons

  • The rate type is variable, so the figure you are offered today can change over the life of the loan
  • Terms run 3 to 60, a shorter repayment window than the 360 term seen across secured lending on the site
  • Live chat is not among its support channels (email, phone and help centre), so questions go by phone, email or the help centre

Ready to try Well Link Bank?

Scored 9.2 / 10 by BorrowCue.

See alternatives

Who it suits

  • Macao residents with a steady income who want a personal loan for spending or consolidating debt
  • Homeowners who would rather borrow against property than take on an unsecured loan
  • People who would rather sort a borrowing question with a person on the phone than a form

Who should look elsewhere

  • Borrowers who want a fixed rate locked in for years, since variable here means the price can shift
  • Monzo Flex users after a longer repayment stretch, as terms here stop at 3 to 60
  • Cashspace ES customers looking for a credit line rather than a personal or secured loan

Who runs it

Well Link Bank is a bank that lends its own money, listed as a direct lender rather than a broker, so you deal with one institution from application to repayment. Its registered entity is Well Link Bank (立橋銀行股份有限公司) and it is based in Macao. Help is available by phone and email, with a help centre for written questions, which is handy if you prefer to sort a borrowing query with a person rather than a form.

How Well Link Bank compares

Where Well Link Bank is available

Available
Macao
Licence in Macao
Monetary Authority of Macao (AMCM), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate does Well Link Bank charge on its loans?+

The bank lists rates of 4% to 12% for lending, and those rates apply to both its personal and secured loans. The pricing is variable, so the figure you are offered can move rather than staying put for the whole term. Ask for the current rate before you commit.

How much can I borrow from Well Link Bank?+

Borrowing runs from MOP 10,000 to MOP 10,000,000, so the same range covers a modest personal loan and a much larger secured one. The top of that range is aimed at substantial borrowing, typically tied to property. Personal and secured lending are both in personal and secured.

How long do I have to repay the loan?+

Repayment terms run 3 to 60. That gives you room to spread a loan over several years rather than repay it in months, though it is not the longest stretch on the market. Longer terms mean lower monthly payments but more interest over the life of the loan.

Is my money safe with this bank?+

Well Link Bank is supervised by the Monetary Authority of Macao, the regulator listed for its country of operation. As a direct lender it holds and administers money itself rather than passing it to a third party. Ask the bank for its terms on deposits before you move funds.

Does Well Link Bank offer fixed-rate loans?+

The rate type is variable, so the pricing can shift over the life of the loan. That is the main trade-off to weigh here: a variable rate may start lower, but your payment is not locked. Borrowers who need a fixed payment each month should check whether other lenders can offer that instead.

What kinds of loan does the bank make?+

Well Link Bank offers personal and secured. Personal lending covers spending, bills or consolidating existing debt, while secured lending is tied to an asset and suits larger amounts. Both use the same published rate band, so the difference is what backs the loan.

How do I get in touch with Well Link Bank?+

You can reach the bank through email, phone and help centre, which covers phone, email and a help centre. A phone call suits questions about an individual application, while the help centre handles general borrowing questions in writing. Chat is not among email, phone and help centre, so an urgent query goes by phone or email.

Sources

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Arrangement fee, Credit check, Funding time, Representative example.

Well Link Bank

Borrowers in Macao wanting personal or secured lending straight from a local bank, on one rate band.

9.2/10See alternatives

Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie policy
Cookie settings