Updated September 28, 2026 · SumCue Editorial Team
CIMB Bank vs LEND.ch
CIMB Bank
LEND.ch
Higher score in this comparison
What sets them apart
| Compare | CIMB BankReviewVisitVisit | LEND.chReviewVisitVisit |
|---|---|---|
| APR | 15% | 4.3% to 9.96%Lower |
| Loan amount | MYR 2,000 to MYR 100,000 | from CHF 10,000 |
| Term | 24 to 84 months | 12 to 84 months |
| Arrangement fee | RM0 (no processing fee) | One-off origination fee, score-dependent, charged for the whole loan term and deducted from the payout (e.g. CHF 130 per year for 36 months, CHF 390 total on CHF 20,000) |
| Representative example | Cash Plus Personal Loan: fixed 4.38% p.a. equivalent to effective interest rate 8.08% p.a. on 5-year tenure | Personal loan CHF 20'000 over 36 months, score A+: annual fee CHF 130, total fee CHF 390, payout CHF 19'610; effective interest rate 4.30% to 9.96% |
| Lender type | Direct lender | Marketplace |
| Eligibility | Malaysian citizen, aged 21 to 58 (max 60 at loan maturity), minimum monthly gross income RM2,000, employed over 6 consecutive months | Of legal age, resident in Switzerland, holder of a Swiss bank account, with a regular income (Swiss residents with permanent employment) |
| Loan types | Personal | Personal, Debt consolidation, Car, Student, Business, Secured, BridgingCovers more |
| Credit check | Not confirmed | Hard |
| Funding time | Instant disbursement; approved and disbursed in 10 minutes | Not confirmed |
| Rate type | Variable | Not confirmed |
| Origination fee (%) | 0.5% | Not confirmed |
| Use cases | Not confirmed | Home improvement |
Same on both: Free early repayment (Yes).
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Key differences
- LEND.ch scores higher overall: 9.0 vs 8.8.
- APR is lower at LEND.ch: 4.3% to 9.96% vs 15%.
- Support channels: only LEND.ch offers Email, Chat.
- Loan types: only LEND.ch offers Debt consolidation, Car, Student.
Our verdict on each
CIMB Bank
CIMB Bank suits Malaysian savers and borrowers who want plain costs and fast access to money. Its easy-access Basic Savings Account pays 0.25% on variable terms with no annual fee, and its Cash Plus personal loan carries an arrangement fee of RM0 (no processing fee).
LEND.ch
LEND.ch suits Swiss residents with a regular income and a Swiss bank account who want a marketplace offer rather than a single bank's product. Borrowing runs from from CHF 10,000 with terms of 12 to 84, and the platform is operated by Switzerlend AG (CHE-456.445.646) in Switzerland.
Score breakdown
| Area | CIMB Bank | LEND.ch |
|---|---|---|
| Cost | 9.2 | 9.3Higher |
| Offer | 8.2 | 9.5HigherEffective interest rates of 4.3% to 9.96%, with free early repayment on the loan. |
| Trust | Not confirmed | 8.3 |
Licences and countries
| Country | CIMB Bank | LEND.ch |
|---|---|---|
| Switzerland | Not confirmed |
Ranges side by side
| Fact | CIMB Bank | LEND.ch |
|---|---|---|
| Term | 24 to 84 months | 12 to 84 months |
How they place
| Ranking | CIMB Bank | LEND.ch |
|---|---|---|
| Loans | 127 of 2043 | 111 of 2043 |
| Personal loans | 106 of 1317 | 95 of 1317 |
| Mortgages | 14 of 853 | 10 of 853 |
Every fact side by side
| Fact | CIMB Bank | LEND.ch |
|---|---|---|
| Pricing model | No annual fee | Not confirmed |
| Features | Rewards | Not confirmed |
| Legal entity | CIMB Bank Berhad | Switzerlend AG (CHE-456.445.646) |
| Headquarters | Malaysia | Switzerland |
| Founded | Not confirmed | 2015 |
| Support channels | Help centre | Email, Chat, Help centreCovers more |
Savings
| Fact | CIMB Bank | LEND.ch |
|---|---|---|
| Headline rate | 0.25% | Not confirmed |
| Minimum deposit | MYR 20 | Not confirmed |
| Access terms | Withdraw funds at any time from an ATM, online, or at a branch | Not confirmed |
| Monthly fee | MYR 0 | Not confirmed |
| Account kind | Easy access | Not confirmed |
Credit cards
| Fact | CIMB Bank | LEND.ch |
|---|---|---|
| Annual fee | MYR 0 | Not confirmed |
| Rewards type | Cashback | Not confirmed |
| Rewards rate | Unlimited Cash Rebate | Not confirmed |
| Card kind | Credit | Not confirmed |
Mortgages
| Fact | CIMB Bank | LEND.ch |
|---|---|---|
| Initial rate | 4.8% to 5.2% | Not confirmed |
| Maximum loan to value | 100% | Not confirmed |
| Product fee | MYR 0 | Not confirmed |
| Purpose | Purchase, First time buyer | Purchase, Equity release, Home equity |
Where each stands against the rest
| Fact | CIMB Bank | LEND.ch | Median |
|---|---|---|---|
| APR | 15%above the median | 4.3% to 9.96%lowest quarter | 9.99% |
| Term | 24 to 84 monthsabove the median | 12 to 84 monthsabove the median | 60 |
| Origination fee (%) | 0.5%above the median | Not confirmed | 0% |
Median across 1096 listed providers.
Pros and cons
CIMB Bank
Pros
- The debit card carries an annual fee of MYR 0, so there is no yearly charge to hold it
- Personal loans charge an arrangement fee of RM0 (no processing fee), plus 0.5% on the loan amount
- Funding time is listed as Instant disbursement; approved and disbursed in 10 minutes, so an approved loan does not sit waiting on a payout
Cons
- Support runs on help centre only, so most questions are handled through the help centre itself
- The savings rate is variable at 0.25%, so the return can rise or fall with the base rate
- Loan eligibility is limited to Malaysian citizens who are adults, with a minimum monthly gross income and a waiting period of employment
LEND.ch
Pros
- Loans from from CHF 10,000 over terms of 12 to 84 cover a wide spread of personal needs.
- Pricing compares well with the 14.43% median across personal loans on the site.
- Borrowing covers personal, debt consolidation and car, and the mortgage side runs to purchase, equity release and home equity, so property and personal plans sit together.
Cons
- The arrangement fee is an origination fee, score-dependent and charged for the whole loan term, then deducted from the payout, so the amount received is lower than the amount borrowed.
- Support runs on email, chat and help centre only.
- Eligibility is narrow: a regular income and a Swiss bank account are required, with Swiss residents on permanent employment the named case.
Who each suits
CIMB Bank
Who it suits
- Malaysian adults who want an easy-access savings balance held with no monthly fee
- Borrowers who want a personal loan with an arrangement fee of RM0 (no processing fee) and quick disbursement
- First-time home buyers using the CIMB My First Home purchase route with up to 100% loan to value
Who should look elsewhere
- Anyone outside Malaysia, since the personal loan eligibility rests on Malaysian citizenship
- Savers who want a locked rate, because the rate type on the savings account is variable
- Borrowers who cannot meet the minimum monthly gross income requirement for approval
LEND.ch
Who it suits
- Swiss residents with permanent employment and a regular income who want to compare lender offers rather than a single product.
- Borrowers consolidating debt, financing a car, funding study costs or covering home improvement.
- Homeowners weighing purchase, equity release or home equity borrowing in the same place.
Who should look elsewhere
- Borrowers outside Switzerland who want another market and currency: Cashspace runs at PHP 12 to PHP 36.
- Readers who cannot meet the Swiss bank account rule and want euro amounts from from €12,000.
- Applicants with a weaker credit profile who accept a higher rate: Sofkredit runs at 10.74% to 18.06%.
Country by country
| Country | CIMB Bank | LEND.ch |
|---|---|---|
| Switzerland | No | Yes |
Questions about each
CIMB Bank
What rate does the Basic Savings Account pay?+
It pays a headline rate of 0.25% at a variable rate type, so the return follows the base rate. The account opens with a minimum deposit of MYR 20, and the monthly fee is MYR 0.
How much does it cost to hold a CIMB Bank account?+
The monthly fee on the savings account is MYR 0, and the annual fee on the cards is MYR 0. Money in the savings account is easy-access, so you can take it out whenever you need it, at an ATM, online or at a branch counter.
LEND.ch
What rate do I pay on a LEND.ch personal loan?+
Effective interest rates run 4.3% to 9.96%, depending on your credit profile, so the strongest applicants pay the least. A hard credit check sits behind the application, and the score it returns is what drives the rate you are quoted and the fee you are charged.
How much can I borrow?+
Loans start at from CHF 10,000 and run over terms of 12 to 84. The origination fee is score-dependent and charged for the whole loan term, then deducted from the payout, so the money landing in your account is less than the amount borrowed.