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MoneyHero review

Updated September 28, 2026 · SumCue 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. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

MoneyHero is a Hong Kong comparison site that puts insurance and borrowing quotes side by side, and it suits residents who want to weigh several providers at once. Travel cover starts at a premium from HKD 89.49, while personal loans run at 1% to 17.81% APR after a soft prequalification.

Key facts

Best for
Weighing Hong Kong insurance and borrowing quotes side by side in one search.
Premium from
HK$89.49↗
Insurance types
Travel, Auto, Home, Pet, Life, Critical-illness, Health↗
Provider type
Comparison site↗
Monthly payments
Yes↗
Excess from
HK$2,500↗
Cover limit
HK$1,000,000 overseas medical expenses (Starr 卓悅遊・尊尚保 travel insurance - Nonpareil)↗
Age range
No upper age limit on single-trip travel plans↗
Legal entity
MoneyHero Global Limited (registered in Hong Kong, company number 1864714)↗
Headquarters
Hong Kong↗
Founded
2013↗
Support channels
Email, Phone, Help-centre, Chat↗
Audience
Seniors
Pricing model
Monthly
Official website
moneyhero.com.hk

Loans

APR
1% to 17.81%↗
Loan amount
HK$100,000 to HK$3,000,000↗
Arrangement fee
HKD 0 (comparison service is free of charge; no fee charged to users)↗
Credit check
Soft prequal↗
Rate type
Fixed↗
Lender type
Broker↗
Eligibility
Hong Kong residents aged 18 or over; products do not apply to persons outside the Hong Kong SAR or minors↗
Loan types
Personal, Debt-consolidation, Credit-line, Car↗
Credit needed
Fair↗
Use cases
Home-improvement↗
Features
Credit line

Mortgages

Initial rate
1.88%↗
APRC
1.88%↗
Maximum loan to value
80%↗
Product fee
HK$0↗
Purpose
Home-equity, Remortgage↗

Facts checked September 26, 2026, 7 sources

Apps and profiles

Elsewhere
Wikidata

Pros and cons

Pros

  • The comparison service is free of charge, with no arrangement fee charged to users.
  • One search spans travel, auto, home, pet, life, critical illness and health cover (travel, auto and home).
  • Travel premiums can be paid monthly (monthly), and seniors are a listed audience (seniors).
  • Support runs through email, phone and help centre, so email, phone, a help centre and live chat are listed.

Cons

  • The starting premium of HKD 89.49 is higher than €8.31 across the site.
  • Personal loan APR is 1% to 17.81%, and the products ask for a fair credit record (fair).
  • Borrowing amounts sit within HKD 100,000 to HKD 3,000,000, so larger purchases need a different provider.
MoneyHero

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Scored 8.8 / 10 by SumCue.

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Who it suits

  • Hong Kong residents who are adults and want travel, auto, home, pet, life or health quotes side by side.
  • Borrowers after home improvement (home improvement) or a home equity or remortgage loan (home equity and remortgage).
  • Travellers past a typical age ceiling, since single-trip plans carry no upper age limit (No upper age limit on single-trip travel plans).

Who should look elsewhere

  • bunq, listed at a premium from €0 on one product rather than a market of quotes.
  • bunq Spain, whose euro premium from €0 sits in a different currency and market.
  • Linxea, which lists a single euro premium from €25 on one product.

Deposit protection

MoneyHero is a comparison site (comparison site) rather than a bank or insurer, so it sets products side by side instead of holding customer money. Its operator is registered in Hong Kong and holds an Insurance Authority (Hong Kong) licence, number FB1740. Any protection on a product therefore sits with the provider that issues it.

How MoneyHero compares

Where MoneyHero is available

Available
Hong Kong
Licence in Hong Kong
Insurance Authority (Hong Kong) (FB1740), checked September 26, 2026

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

Frequently asked questions

What does it cost to use MoneyHero?+

The comparison service is free of charge and no fee is charged to users, so nothing is added for the search itself. What you pay is the provider's price: travel cover starts from HKD 89.49, and the home equity route lists a product fee of HKD 0.

Which insurance types can I compare?+

The search covers travel, auto and home, putting travel, auto, home, pet, life, critical illness and health quotes together. MoneyHero is a comparison site, so each price shown comes from a provider on the site rather than from the site itself.

Can I pay the premium monthly?+

Monthly payments are available on the insurance side, and travel premiums can be structured monthly (monthly). Borrowing runs separately, priced on fixed terms at 1% to 17.81% APR, with a credit line listed beside personal, debt consolidation and car loans in personal, debt consolidation and credit line.

How much can I borrow, and at what rate?+

Personal loans run across HKD 100,000 to HKD 3,000,000 at 1% to 17.81% APR, with personal, debt consolidation, credit line and car options listed under personal, debt consolidation and credit line. Home improvement is the stated use case (home improvement), and home equity or remortgage purposes appear on the home ownership route (home equity and remortgage).

Is there a credit check?+

Checking is a soft prequalification (soft prequal), so indicative rates can be seen without a full credit file search being run. The products generally ask for a fair credit record (fair), which narrows what lenders are likely to offer.

Who is eligible to use it?+

Products are for Hong Kong residents who are adults. Eligibility excludes people outside the Hong Kong SAR and minors, and single-trip travel plans carry no upper age limit (No upper age limit on single-trip travel plans). Seniors are named as an audience (seniors).

What support channels are offered?+

Help runs through email, phone and help centre, so email, phone, a help centre and live chat are all listed. Because MoneyHero is a broker and a comparison site, detail on a specific policy sits with the provider that issues it.

Who runs the site and how is it regulated?+

The operator is registered in Hong Kong (HK) and works as a broker, founded in 2013. It holds an Insurance Authority (Hong Kong) licence, number FB1740, which is the only licence detail listed.

Sources

  • moneyhero.com.hk checked September 26, 2026

    Backs: Provider type, Insurance types, Legal entity

    “Leading personal finance aggregation and comparison company in Asia Pacific, listed on Nasdaq (NASDAQ: MNY)”

  • moneyhero.com.hk/zh/page/moneyhero-about checked September 26, 2026

    Backs: Founded, Headquarters, Support channels, Licences

    “MoneyHero網上個人理財平台成立於2013年 (the MoneyHero online personal finance platform was founded in 2013)”

  • moneyhero.com.hk/zh/page/moneyhero-app checked September 26, 2026

    Backs: Credit check

    “Checking your own credit report for personal review will not negatively affect your credit score; such lookups are for your reference and invisible to lenders”

  • moneyhero.com.hk/zh/page/moneyhero-terms checked September 26, 2026

    Backs: Eligibility, Lender type, Arrangement fee

    “unless otherwise stated, the products and services described on this site do not apply to persons outside the Hong Kong SAR or persons without legal capacity to contract (for example minors)”

  • moneyhero.com.hk/zh/personal-loan checked September 26, 2026

    Backs: Loan amount, APR, Credit needed, Features, Loan types, Rate type, Use cases

    “In general the maximum borrowable is 12 to 30 times monthly salary, with amounts from HK$100,000 to HK$3,000,000”

  • moneyhero.com.hk/zh/personal-loan/comparison/home-ownership checked September 26, 2026

    Backs: APRC, Initial rate, Maximum loan to value, Product fee, Purpose

    “Minimum effective annual interest rate 1.88%; the effective rate is a reference rate expressing the loan's interest and other fees as an annualised percentage”

  • moneyhero.com.hk/zh/travel-insurance checked September 26, 2026

    Backs: Age range, Audience, Cover limit, Excess from, Pricing model, Monthly payments, Premium from

    “單次旅遊計劃不設年齡上限 (single travel plans have no age limit)”

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

MoneyHero

MoneyHero

Weighing Hong Kong insurance and borrowing quotes side by side in one search.

8.8/10See alternatives