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Well Link Bank review

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

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Our verdict

Well Link Bank suits Macao borrowers who want direct access to personal or secured finance, flexible terms and support by phone or email. Its loans offer amounts of MOP 10,000 to MOP 10,000,000 with a variable rate and an APR of 4% to 12%, making the borrowing cost the main trade-off.

Key facts

Best for
Macao borrowers seeking direct personal or secured lending and convenient phone or email support.
Rate type
Variable↗
Term
3 to 60 months↗
Legal entity
Banco Well Link↗
Headquarters
Macao↗
Founded
2008↗
Support channels
Email, Phone, Help-centre↗
Official website
wlbank.com.mo

Loans

APR
4% to 12%↗
Loan amount
MOP 10,000 to MOP 10,000,000↗
Lender type
Direct lender↗
Loan types
Personal, Secured↗

Debit cards

Card type
Debit↗

Facts checked September 26, 2026, 6 sources

Apps and profiles

Elsewhere
WikidataWikipedia

Pros and cons

Pros

  • Well Link Bank is a direct lender for personal and secured loans.
  • Loan amounts range from MOP 10,000 to MOP 10,000,000 and terms run from 3 to 60.
  • Support is available through email, phone and a help centre.
  • The bank offers a debit card alongside its borrowing services.

Cons

  • Personal and secured loans carry a variable rate and an APR of 4% to 12%.
  • Support runs through email, phone and help centre only, with no live chat listed.

Ready to try Well Link Bank?

Scored 8.8 / 10 by SumCue.

See alternatives

Who it suits

  • Adults in Macao seeking a personal loan directly from a bank.
  • Borrowers considering secured lending and a variable rate.
  • Customers who value phone and email support alongside a debit card.

Who should look elsewhere

  • People seeking listed savings products, investment services, insurance, credit cards or lending alternatives, as no alternatives are provided.

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 types of loans does Well Link Bank offer?+

Well Link Bank offers personal and secured loans directly. Personal loan amounts are MOP 10,000 to MOP 10,000,000, with borrowing terms of 3 to 60 and an APR of 4% to 12%.

What rate applies to Well Link Bank loans?+

The APR for personal and secured borrowing is 4% to 12%. The published rate type is variable, so the rate may change during the borrowing period.

Is Well Link Bank a direct lender?+

Well Link Bank lends directly rather than acting as a broker or marketplace. Its available loan types are personal and secured borrowing.

What payment and support options are available?+

Well Link Bank offers a debit card. Support is available by email, phone and help centre, giving borrowers a phone, email and help centre route for account assistance.

How long can a loan term last?+

The published borrowing terms are 3 to 60. Borrowers should check the applicable term and rate before applying, especially because the rate type is variable.

Which regulator is listed for Well Link Bank?+

The Monetary Authority of Macao (AMCM) is the listed regulator for Well Link Bank. This identifies the banking authority associated with the bank, rather than describing savings protection.

Sources

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

Not confirmed yet: Headline rate, Minimum deposit, Deposit protection.

Well Link Bank

Macao borrowers seeking direct personal or secured lending and convenient phone or email support.

8.8/10See alternatives