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Taishin Richart review

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

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Our verdict

Taishin Richart is built for expats in Taiwan who want cards, savings, personal loans and insurance from a single bank, and the everyday costs are among the lowest here: a monthly fee of TWD 0 and a currency conversion fee of 0%.

Key facts

Best for
A single Taiwanese bank for expat everyday spending, saving and borrowing.
Monthly fee
NT$0↗
Currency conversion fee
0%↗
Card type
Debit↗
Cashback rate
0.5%↗
Card network
Mastercard↗
Currencies
13↗
Legal entity
Taishin International Commercial Bank↗
Headquarters
Taiwan↗
Support channels
Help-centre, Phone, Email↗
Features
Multi-currency, Travel
Audience
Expats
Official website
richart.tw

Loans

APR
4.12% to 16.39%↗
Loan amount
NT$10,000 to NT$5,000,000↗
Term
6 to 120 months↗
Arrangement fee
NT$688 promotional (list NT$9,000); NT$0 for 60-month or longer terms↗
Credit check
Hard↗
Funding time
Disbursed in as little as 20 minutes after approval; review in as little as 1 day↗
Representative example
Richart personal loan (one-stage amortising): NT$300,000 borrowed over 5 years (36-month limit), annual rate 2.48%-15% (floating), total fees NT$688, total annual fee percentage 2.58%-15.1%↗
Rate type
Fixed↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
Aged 20-60, ROC (Taiwanese) national with normal credit and lawful income; the NT$10,000-150,000 small-loan tier accepts ages 18-60↗
Loan types
Personal, Credit-line, Car↗
Credit needed
Good↗
Use cases
Home-improvement↗
Pricing model
No monthly fee

Personal insurance

Premium from
NT$1,600↗
Insurance types
Auto, Motorcycle, Travel, Pet, Gadget, Life↗
Provider type
Broker↗
Monthly payments
No↗
Excess from
NT$1,000↗
Cover limit
Accident death or disability benefit NT$1,000,000-10,000,000 per occurrence (Deluxe GO travel plan)↗
Claims channels
Mobile-app, Phone, Email, Designated-repair-centre↗
Age range
18 to 64 (entry age for the variable-rate annuity insurance)↗

Credit cards

Rewards type
Cashback↗
Rewards rate
Up to 3.8% back on Taishin Richart card↗
Card kind
Credit↗
Regulators
Central Deposit Insurance Corporation (CDIC)↗

Savings

Headline rate
3.5%↗
Minimum deposit
NT$0↗
Access terms
5 free interbank withdrawals and 5 free interbank transfers per month; funds must be transferred into the preferential sub-account to earn the preferential rate↗
Account kind
Easy access↗

Robo-advisors

Minimum investment
NT$10↗
Portfolio types
ETF, ESG↗

Facts checked September 26, 2026, 14 sources

Pros and cons

Pros

  • The debit card carries a monthly fee of TWD 0 and a currency conversion fee of 0% across 13 currencies.
  • Spending pays Up to 3.8% back on Taishin Richart card on a debit card, and a credit card sits alongside it.
  • Savings pair easy access access with a fixed rate of 3.5% and a minimum deposit of TWD 0.
  • Loans of TWD 10,000 to TWD 5,000,000 over 6 to 120 come with free early repayment and fast disbursement after approval.

Cons

  • A hard credit check and a good credit requirement narrow who can borrow.
  • The 3.5% preferential rate applies only after funds are moved into the preferential sub-account.
  • Loan eligibility is limited to ROC (Taiwanese) nationals with normal credit and lawful income.

Ready to try Taishin Richart?

Scored 9.4 / 10 by SumCue.

See alternatives

Who it suits

  • Expats in Taiwan, the audience the bank names (expats), who want banking and cover handled together.
  • Anyone holding 13 currencies, since conversion costs 0%.
  • Borrowers funding home improvement (home improvement) who value free early repayment.

Who should look elsewhere

  • bunq, if you want your account in another currency: bunq's monthly fee of €0 matches TWD 0 here, so the account currency decides it.
  • Varo Believe Secured Credit Card, if a secured card suits you better than a debit card.
  • Wise, if you want your provider based outside Taiwan, since this bank sits in Taiwan.

How Taishin Richart compares

Where Taishin Richart is available

Available
Taiwan

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

Frequently asked questions

What does the Taishin Richart debit card cost?+

The debit card runs on a monthly fee of TWD 0 and a currency conversion fee of 0%, and it is a mastercard card. Spending pays Up to 3.8% back on Taishin Richart card. The bank also issues a credit card, so a borrowing card is available from the same provider.

Who is this bank built for?+

The bank names expats as its audience (expats) and is headquartered in Taiwan, operating as Taishin International Commercial Bank. It suits people living and working in Taiwan who want accounts, cards, loans and insurance handled by the same bank.

What can I earn on savings?+

The term deposit pays a fixed rate of 3.5% with a minimum deposit of TWD 0, and access is easy access. Free interbank withdrawals and transfers are allowed each month, but the preferential rate applies only after funds are moved into the preferential sub-account.

Can I borrow, and on what terms?+

Taishin International Commercial Bank lends directly, covering personal, credit line and car. Personal loans are priced at 4.12% to 16.39% on amounts of TWD 10,000 to TWD 5,000,000 over terms of 6 to 120, with a hard credit check. Early repayment is free, and money can be disbursed within minutes of approval.

How do I get help?+

Support runs on help centre, phone and email, so a help centre, phone and email cover everyday questions. Insurance claims have their own set of channels, mobile app, phone and email, which adds mobile app reporting and a designated repair centre.

What can I invest in?+

The fund platform starts from a minimum investment of TWD 10 and offers etf and esg portfolios, which suits a small starting investment. The range of portfolio types is narrow, so it is a place to begin rather than a full brokerage.

Does the bank sell insurance too?+

Insurance is arranged through a broker and covers auto, motorcycle and travel, with premiums from TWD 1,600. Policies are settled in a single payment rather than monthly, and the Deluxe GO travel plan adds a payout when an accident kills or disables the holder, sized for each incident.

Sources

Compiled from 14 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Free ATM withdrawals, Protection.

Taishin Richart

A single Taiwanese bank for expat everyday spending, saving and borrowing.

9.4/10See alternatives