Updated September 28, 2026 · SumCue Editorial Team
ICICI Bank vs LEND.ch
ICICI Bank
LEND.ch
Higher score in this comparison
What sets them apart
| Compare | ICICI BankReviewVisitVisit | LEND.chReviewVisitVisit |
|---|---|---|
| APR | 9.99% to 16.5% | 4.3% to 9.96%Lower |
| Loan amount | ₹50,000 to ₹5,000,000 | from CHF 10,000 |
| Term | 12 to 72 months | 12 to 84 monthsHigher |
| Arrangement fee | Up to 2% of loan amount plus taxes (Personal Loan processing charge) | 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) |
| Lender type | Direct lender | Marketplace |
| Free early repayment | No | YesHas it |
| Eligibility | Indian citizens aged 18-58 years; salaried minimum monthly income 30,000 rupees | Of legal age, resident in Switzerland, holder of a Swiss bank account, with a regular income (Swiss residents with permanent employment) |
| Loan types | Personal, Debt consolidation | Personal, Debt consolidation, Car, Student, Business, Secured, BridgingCovers more |
| Funding time | Instant disbursement | Not confirmed |
| Representative example | Not confirmed | 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% |
| Rate type | Variable | Not confirmed |
| Origination fee (%) | 2% | Not confirmed |
| Credit needed | Good | Not confirmed |
Same on both: Credit check (Hard), Use cases (Home improvement).
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Key differences
- LEND.ch scores higher overall: 9.0 vs 8.9.
- Founded is lower at ICICI Bank: 1994 vs 2015.
- APR is lower at LEND.ch: 4.3% to 9.96% vs 9.99% to 16.5%.
- Free early repayment: only LEND.ch.
- Term is higher at LEND.ch: 12 to 84 months vs 12 to 72 months.
- Support channels: only ICICI Bank offers Phone.
- Support channels: only LEND.ch offers Email.
- Loan types: only LEND.ch offers Car, Student, Business.
Our verdict on each
ICICI Bank
ICICI Bank is a full-service Indian bank covering saving, spending and borrowing, so it suits customers who want one provider. The savings account pays 2.5% on a variable rate, with easy access to cash, bill payments and transfers by UPI, IMPS, NEFT and RTGS, and personal loans disburse instantly.
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 | ICICI Bank | LEND.ch |
|---|---|---|
| Cost | 8.6Card costs weigh heavy: an annual fee of INR 3,500 on the Sapphiro card, and personal loan rates of 9.99% to 16.5%. | 9.3Higher |
| Offer | 9.4 | 9.5HigherEffective interest rates of 4.3% to 9.96%, with free early repayment on the loan. |
| Trust | 9.0Higher | 8.3 |
How they place
| Ranking | ICICI Bank | LEND.ch |
|---|---|---|
| Loans | 124 of 2043 | 111 of 2043 |
| Personal loans | 104 of 1317 | 95 of 1317 |
| Mortgages | 13 of 853 | 10 of 853 |
What each covers
| Loan types | ICICI Bank | LEND.ch |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | Yes | Yes |
| Secured | No | Yes |
| Car | No | Yes |
| Business | No | Yes |
| Student | No | Yes |
| Bridging | No | Yes |
| Use cases | ICICI Bank | LEND.ch |
|---|---|---|
| Home improvement | Yes | Yes |
If neither fits
Prestamiau ES has apr at 0% to 36%, against 9.99% to 16.5% for ICICI Bank and 4.3% to 9.96% for LEND.ch.
Prestamiau ES reviewEvery fact side by side
| Fact | ICICI Bank | LEND.ch |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Rewards | Not confirmed |
| Legal entity | ICICI Bank Ltd. | Switzerlend AG (CHE-456.445.646) |
| Headquarters | India | Switzerland |
| Founded | 1994Lower | 2015 |
| Support channels | Phone, Help centre, Chat | Email, Chat, Help centre |
Savings
| Fact | ICICI Bank | LEND.ch |
|---|---|---|
| Headline rate | 2.5% | Not confirmed |
| Minimum deposit | ₹2,500 to ₹15,000 | Not confirmed |
| Access terms | Easy access to funds: cash withdrawals, utility bill payments and online fund transfers through UPI, IMPS, NEFT and RTGS | Not confirmed |
| Account kind | Easy access | Not confirmed |
Mortgages
| Fact | ICICI Bank | LEND.ch |
|---|---|---|
| Initial rate | 7.55% | Not confirmed |
| Maximum loan to value | 80% to 90% | Not confirmed |
| Purpose | Purchase, Remortgage | Purchase, Equity release, Home equity |
Where each stands against the rest
| Fact | ICICI Bank | LEND.ch | Median |
|---|---|---|---|
| APR | 9.99% to 16.5%at the median | 4.3% to 9.96%lowest quarter | 9.99 |
| Term | 12 to 72 monthsabove the median | 12 to 84 monthsabove the median | 60 |
| Origination fee (%) | 2%above the median | Not confirmed | 0% |
Median across 1096 listed providers.
Pros and cons
ICICI Bank
Pros
- Personal loans disburse with Instant disbursement, on amounts of INR 50,000 to INR 5,000,000 over terms of 12 to 72.
- The savings account is easy access, taking a minimum deposit of INR 2,500 to INR 15,000.
- The card pays points on spending, with lounge visits, golf rounds, concierge help and welcome vouchers added.
Cons
- Foreign spend on the card carries a currency conversion fee of 3.5%.
- Personal loan applications run a hard credit check, and good credit is the bar.
- Free early repayment is not offered, so settling a personal loan early carries a charge.
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
ICICI Bank
Who it suits
- Salaried Indian citizens of adult age who want savings, a card and loans from one bank.
- Savers comfortable with a variable savings rate and borrowers happy with a fixed rate loan.
- Cardholders who want a credit card with lounge, golf and concierge perks on top of points.
Who should look elsewhere
- wise, if a card with no annual fee matters most, since its annual fee is £0.
- bunq, if you would rather hold a euro account with an annual fee of €0 on the card.
- Varo Believe Secured Credit Card, if a secured card with an annual fee of $0 is the better fit.
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%.
Current offers
ICICI Bank
Current offer
Bonus
Sapphiro Credit Card welcome vouchers: Vouchers worth over INR 13,000
Upon payment of the joining fee of INR 6,500 + GST; vouchers worth INR 3,000 from Tata CLiQ, INR 4,000 from EaseMyTrip, INR 5,000 from Da Milano, INR 1,500 from Croma and an EazyDiner Prime Membership worth INR 1,095; issued within 45 business days
Source, checked September 26, 2026
Discount code
BookMyShow buy one get one movie offer on Sapphiro Credit Card: Up to INR 500 off the second ticket
From Apr 1, 2026 requires spending INR 25,000 or more on the Sapphiro Credit Card in the preceding spends quarter; one movie offer per month per card variant for dual-network cards
Source, checked September 26, 2026
Bonus
Sapphiro Credit Card milestone reward points: 4,000 reward points on INR 4 lakh annual spend, plus 2,000 points per additional INR 1 lakh, up to 20,000 points
Awarded in an anniversary year on qualifying annual spend
Source, checked September 26, 2026
Country by country
| Country | ICICI Bank | LEND.ch |
|---|---|---|
| India | Yes | No |
| Switzerland | No | Yes |
Questions about each
ICICI Bank
What does the card cost to hold each year?+
The annual fee on the card is INR 3,500, which sits above cards that charge nothing. Foreign currency transactions add a conversion fee of 3.5% on top. It is a credit card, so balances are meant to be cleared in full rather than carried.
What rewards does the card pay?+
Rewards come as points, earning more on international spend than on domestic, utility and insurance purchases. The credit card also carries welcome vouchers with travel, dining and retail partners, lounge visits, golf rounds, a round the clock concierge service, air accident cover and a fuel surcharge waiver.
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.
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