Loan Provider Comparison

Cornèr Bank Loan: ècash Terms at a Glance

Cornèr Bank from Lugano issues personal loans under the name ècash, either directly online or through Swiss Post's branches. We show you who this bank suits and how a single inquiry through privatkredit.ch tells you whether it fits you.

Who Is Cornèr Bank

A Ticino Bank with Nationwide Lending

Cornèr Bank AG is a Swiss private bank headquartered in Lugano. Alongside wealth management and mortgages, it issues personal loans under the product name ècash. The offer is available Switzerland-wide, even though the bank is less well known outside Ticino than other market participants.

You can get the loan either directly through the online portal ecash.ch or in person at a post office counter, since Cornèr Bank partners with Swiss Post for distribution. That makes the bank appealing for customers who value advice on site, without Cornèr Bank having to operate its own branch network.

One special feature is the discounted rate for property owners: anyone who owns a property benefits from a lower starting rate. For everyone else, the terms sit in the mid to upper range of the market.

This is exactly where the value of a broker shows: we know the terms and criteria of individual banks, including less prominently advertised providers like Cornèr Bank. Instead of submitting inquiry after inquiry to individual institutions and leaving unnecessary marks in the credit register, we check with a single inquiry which provider fits your profile.

Terms

ècash by Cornèr Bank at a Glance

Loan amount
CHF 5'000 to CHF 80'000
Effective annual rate
5.9% to 9.9%
Special rate for homeowners
from 6.4%
Term
12 to 84 months
Review time
2 to 3 days
Total time to disbursement
around 3 to 4 weeks
Distribution channels
online via ecash.ch or in person at selected post office branches
Loan type
Unsecured loan, no guarantor
Early repayment
possible at any time, without penalty
Fees
no processing or administration fee
Who ècash Suits

Cornèr Bank Suits Particularly

Homeowners who want to benefit from the discounted rate starting at 6.4%
People who need a loan amount starting at CHF 5'000
Customers who prefer personal advice at a post office branch over a purely online process
Applicants whose profile did not previously lead to a closed deal at another provider and who want to check another option
Frequently Asked Questions

ècash and Cornèr Bank: The Key Answers

Cornèr Bank AG is a Swiss bank headquartered in Lugano. It is strongly anchored in Ticino, but issues its personal loans under the name ècash nationwide, including through Swiss Post's branches.

Laufend aktualisierter Beitrag
Transparenz nach den publizistischen Leitlinien von privatkredit.ch
Stand: July 2026
Autor
privatkredit.ch Editorial Team, Editorial Team for Loans & Financing
Fachliche Prüfung
Redaktionsinterne Gegenprüfung durch Kreditfachleute
Zuletzt aktualisiert
July 7, 2026, Inhalte werden laufend aktualisiert
Unabhängigkeit
Unabhängige Recherche, ausschliesslich offizielle Schweizer Quellen
Quellen und Referenzen
  1. 1Federal Act on Consumer Credit (CCA/KKG), Art. 16 Right of Withdrawal. fedlex.admin.ch/eli/cc/2002/232/de
  2. 2Federal Act on Consumer Credit (CCA/KKG), Art. 28 Creditworthiness Assessment. fedlex.admin.ch/eli/cc/2002/232/de

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