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Updated September 28, 2026 · SumCue Editorial Team

AU Small Finance Bank vs CHECK24

AU Small Finance Bank scores 9.3 and CHECK24 9.3 out of 10. Compare their differences and shared features below.
AU Small Finance Bank

AU Small Finance Bank

Higher score in this comparison

9.3/10
Visit
CHECK24

CHECK24

9.3/10
Visit

Where AU Small Finance Bank and CHECK24 differ

AU Small Finance Bank vs CHECK24
CompareAU Small Finance BankAU Small Finance BankReviewVisitVisitCHECK24CHECK24ReviewVisitVisit
Headline rate6.75%Higher3.82%
Rate typeVariableFixed
Term12 to 60 months12 to 240 monthsHigher
Minimum deposit₹0€0
Access termsZero balance account, monthly interest payouts, unlimited online payments (RTGS, NEFT, UPI, intra-bank transfer), RUPAY Platinum debit card, AU 0101 app and doorstep serviceDaily-access savings (Tagesgeld), no notice period, cancel at any time
Monthly feeNot confirmed€0

Same on both: Account kind (Easy access).

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.

Key differences

  • Founded is lower at AU Small Finance Bank: 1996 vs 1999.
  • CHECK24 is available in 2 more countries.
  • Headline rate is higher at AU Small Finance Bank: 6.75% vs 3.82%.
  • Term is higher at CHECK24: 12 to 240 months vs 12 to 60 months.
  • Support channels: only CHECK24 offers Chat, Email.
  • Pricing model: only AU Small Finance Bank offers Fixed rate.
  • Pricing model: only CHECK24 offers Monthly.

Our verdict on each

AU Small Finance Bank

AU Small Finance Bank pays a headline rate of 6.75% on a variable-rate savings account and suits savers who want easy access to their money with a tiny minimum deposit. Support runs on phone and help centre, and the rate sits well above the site median of 3%.

Read the full AU Small Finance Bank review

CHECK24

CHECK24 suits German households who want one place to shop across savings, loans, mortgages and many insurance types, and who are happy to be matched to a partner rather than served directly. Its easy-access savings pays a headline rate of 3.82% with no notice period and free early repayment.

Read the full CHECK24 review

Score breakdown

AU Small Finance Bank vs CHECK24
AreaAU Small Finance BankCHECK24
Cost9.5Borrowing runs to an APR of up to 30%, and a personal loan adds Up to 4% of approved loan amount, minimum INR 2,000.9.8HigherOrigination fee of 0 EUR, a monthly fee of €0 on the savings account and a minimum deposit of €0.
Offer9.2Beyond the rate, the offer includes a easy access account, monthly interest payouts, unlimited online payments and a doorstep service.9.6Higher
Trust9.2Higher8.6

From lowest to highest

AU Small Finance Bank vs CHECK24
FactAU Small Finance BankCHECK24
Term12 to 60 months12 to 240 months

The bill, worked out

10,000 saved for 12 months

AU Small Finance Bank

675

6.75% of 10,000

CHECK24

382

3.82% of 10,000

AU Small Finance Bank comes out 293 higher in this example.

Excludes monthly fee (not stated by AU Small Finance Bank). Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.

A third option

Banco Nacional de Panama has term at 120 to 300 months, against 12 to 60 months for AU Small Finance Bank and 12 to 240 months for CHECK24.

Banco Nacional de Panama review

How they place

AU Small Finance Bank vs CHECK24
RankingAU Small Finance BankCHECK24
Loans87 of 204388 of 2043
Personal loans73 of 131774 of 1317
Mortgages7 of 8538 of 853

Every fact side by side

AU Small Finance Bank vs CHECK24
FactAU Small Finance BankCHECK24
Pricing modelFixed rateMonthly
Legal entityAU Small Finance BankCHECK24 Vergleichsportal GmbH
HeadquartersIndiaGermany
Founded1996Lower1999
Support channelsPhone, Help centreChat, Email, Phone, Help centreCovers more

Loans

AU Small Finance Bank vs CHECK24
FactAU Small Finance BankCHECK24
APRup to 30%0.68% to 19.92%
Loan amount₹25,000 to ₹1,500,000€500 to €150,000
Arrangement feeUp to 4% of approved loan amount, minimum INR 2,0000 EUR
Credit checkNot confirmedSoft prequal
Funding timeWithin 24 hoursas little as 3 minutes at some banks, same day
Representative exampleNot confirmedRatenkredit: net loan amount 20,000 EUR, 7 years (84 months), 5.39% effective annual rate, 5.26% fixed nominal rate p.a., monthly instalment 285.14 EUR, total amount 23,951.75 EUR, Openbank Deutschland AG (BestCredit)
FeaturesSame day fundingSame day funding
Lender typeDirect lenderBroker
Free early repaymentNoYesHas it
EligibilityIndian resident, 21 years minimum at application, 65 years maximum at loan maturityNot confirmed
Origination fee (%)up to 4%Not confirmed
Loan typesPersonal, Debt consolidationPersonal, Debt consolidation
Credit neededGoodNot confirmed
Use casesNot confirmedHome improvement

Credit cards

AU Small Finance Bank vs CHECK24
FactAU Small Finance BankCHECK24
Card kindCreditNot confirmed

Mortgages

AU Small Finance Bank vs CHECK24
FactAU Small Finance BankCHECK24
Initial rateNot confirmed3.43%
APRCNot confirmed3.5%
Fixed periodNot confirmed10 years
Maximum loan to valueNot confirmed66%
PurposePurchase, Remortgage, Home equityCovers morePurchase, Remortgage

Where each stands against the rest

AU Small Finance Bank vs CHECK24
FactAU Small Finance BankCHECK24Median
Headline rate6.75%highest quarter3.82%above the median3.3%
Term12 to 60 monthsat the median12 to 240 monthshighest quarter60
Monthly feeNot confirmed€0at the median€0

Median across 710 listed providers.

Pros and cons

AU Small Finance Bank

Pros

  • Headline rate of 6.75% on a variable basis, well above the site median of 3%.
  • Minimum deposit of INR 0 on a easy access account, ranked 1 of 379 on that measure.
  • Support on phone and help centre, plus a doorstep service for account holders.

Cons

  • Free early repayment: no, so settling a loan early comes with a cost.
  • Support runs on phone and help centre only.
  • A personal loan carries an origination fee of Up to 4% of approved loan amount, minimum INR 2,000.

CHECK24

Pros

  • Broker model: broker means loan, mortgage and policy terms come from partner banks and insurers rather than from a single provider
  • Daily-access savings with no notice period, cancellable at any time, at a headline rate of 3.82%
  • A single catalogue covering auto, home and life, so most household policies can be compared in one place

Cons

  • A comparison site rather than an insurer or lender: comparison site means the terms and the protections depend on the partner matched to you
  • The median easy-access rate across the site is 3%, under the CHECK24 headline rate of 3.82%, so cheaper listings exist
  • The listed credit check is soft prequal, which leaves any hard search to the partner bank once an offer is accepted

Who each suits

AU Small Finance Bank

Who it suits

  • Savers in IN who want a variable rate with easy access and monthly interest payouts.
  • Borrowers with good credit who want to deal with the bank as a direct lender.
  • People who prefer doorstep service and unlimited online payments alongside a debit card.

Who should look elsewhere

  • bunq, whose savings interest is 3.01%, if that rate is enough for you.
  • Wise, which pays 3.29% on savings, if you are weighing a lower headline rate.

CHECK24

Who it suits

  • German households holding several policy types who want one place to compare them all
  • Anyone parking cash in easy-access savings while keeping it reachable at any time
  • Borrowers who want a soft prequalification before a bank runs a full credit check

Who should look elsewhere

  • Anyone who wants a direct provider with its own terms, where bunq lends in its own name rather than matching you to partner banks
  • People who want life cover written and settled by a single insurer, where Linxea issues directly at a premium from €25
  • Readers outside Germany who want a portal registered in their own market, where bunq Spain answers to Spanish registration rather than the German chamber licences held by CHECK24

Country by country

AU Small Finance Bank vs CHECK24
CountryAU Small Finance BankCHECK24
AustriaNoYes
GermanyNoYes
IndiaYesNo
SpainNoYes

Questions about each

AU Small Finance Bank

What rate does AU Small Finance Bank pay on savings?+

The digital savings account pays a headline rate of 6.75% and the rate type is variable. Interest is credited every month, and the account is a easy access account, so your money stays reachable while it earns.

Is there a minimum deposit to open the account?+

The minimum deposit is INR 0, so the account can be opened without putting a large sum in. AU Small Finance Bank ranks 1 of 379 on this measure, which keeps it an easy account to start.

CHECK24

Is CHECK24 a bank or an insurer?+

No. CHECK24 is a comparison site (comparison site) that sends requests out to partner banks and insurers, and the listed lender type is a broker. The loan or policy you end up holding is issued by the partner rather than by CHECK24, so the price, the terms and the protection all come from that partner.

How much does it cost to use CHECK24?+

There is no origination fee, listed at 0 EUR, and the daily-access savings account carries a monthly fee of €0. The savings headline rate is 3.82% and the minimum deposit is €0, so there is no balance hurdle before you start earning.

Other options to compare

AU Small Finance Bank

Visit

CHECK24

Visit