Updated September 28, 2026 · SumCue Editorial Team
CBC Banque SA vs Ottonova
Ottonova
CBC Banque SA
Higher score in this comparison
CBC Banque SA vs Ottonova: the differences
| Compare | CBC Banque SAReviewSee alternativesSee alternatives | OttonovaReviewVisitVisit |
|---|---|---|
| Insurance types | Auto, Home, Renters, Life, Health, Travel, Motorcycle, Van | Health, Dental |
| Provider type | Broker | Insurer |
| Monthly payments | No | YesHas it |
| Excess from | €250Lower | €500 |
| Cover limit | 500,000 EUR medical costs abroad per person (travel assistance) | Up to 6 months worldwide coverage at no extra charge, unlimited within the European Economic Area |
| Claims channels | CBC Mobile, CBC Touch, Phone | App, Chat, Email, Phone, Post |
| Premium from | Not confirmed | €284 |
| Age range | up to 70 years | Not confirmed |
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Key differences
- CBC Banque SA scores higher overall: 9.5 vs 8.8.
- Monthly payments: only Ottonova.
- Excess from is lower at CBC Banque SA: €250 vs €500.
- Insurance types: only CBC Banque SA offers Auto, Home, Renters.
- Insurance types: only Ottonova offers Dental.
- Claims channels: only CBC Banque SA offers CBC Mobile, CBC Touch.
- Claims channels: only Ottonova offers App, Chat, Email.
- Support channels: only CBC Banque SA offers Help centre.
- Pricing model: only CBC Banque SA offers No monthly fee.
- Pricing model: only Ottonova offers Monthly.
Our verdict on each
CBC Banque SA
CBC Banque SA suits people who want a Mastercard debit card linked to an account with fees of €0. Its easy-access structure and broad support options are practical, although the listed interest rate is modest and withdrawing early can forfeit the loyalty premium.
Ottonova
Ottonova is a German insurer built around an app, covering health and dental for people whose cover runs with their job or their move abroad. Premiums start at €284 a month, and claims run through app, chat and email, so you can file and track a claim without calling anyone.
Score breakdown
| Area | CBC Banque SA | Ottonova |
|---|---|---|
| Cost | 9.2HigherThe debit account has fees of €0, while the credit card has fees of €88. | 8.4Premium from €284 a month sits far above the site median of €9.14, and an excess of €500 applies. |
| Offer | 9.9Higher | 9.2 |
| Trust | Not confirmed | 8.9 |
How they place
| Ranking | CBC Banque SA | Ottonova |
|---|---|---|
| Insurance | 69 of 627 | 47 of 627 |
| Health insurance | 21 of 200 | 16 of 200 |
Which one suits you
Pick CBC Banque SA if cost, offer, and excess from matter most.
Pick Ottonova if monthly payments matter most.
Availability and regulation
| Country | CBC Banque SA | Ottonova |
|---|---|---|
| Germany | Not confirmed |
Additional countries for CBC Banque SA: 1. Additional countries for Ottonova: 1.
What we checked
CBC Banque SA
- cbc.be: 9 facts, checked September 26, 2026
- multimediafiles.kbcgroup.eu: 2 facts, checked September 26, 2026
Ottonova
- ottonova.de: 13 facts, checked September 26, 2026
Every fact side by side
| Fact | CBC Banque SA | Ottonova |
|---|---|---|
| Audience | Not confirmed | Expats |
| Pricing model | No monthly fee | Monthly |
| Legal entity | CBC Banque SA | ottonova Krankenversicherung AG (Amtsgericht München, HRB 227378) |
| Headquarters | Belgium | Germany |
| Founded | Not confirmed | 2015 |
| Support channels | Phone, Chat, Email, Help centreCovers more | Email, Chat, Phone |
Loans
| Fact | CBC Banque SA | Ottonova |
|---|---|---|
| APR | 8.09% | Not confirmed |
| Loan amount | €1,000 to €75,000 | Not confirmed |
| Representative example | Personal loan of EUR 12,500 over 60 months at a fixed annual effective rate of 8.09%: 60 monthly instalments of EUR 252.29, total EUR 15,137.35 | Not confirmed |
| Rate type | Variable | Not confirmed |
| Lender type | Direct lender | Not confirmed |
| Loan types | Personal | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Savings
| Fact | CBC Banque SA | Ottonova |
|---|---|---|
| Headline rate | 0.6% | Not confirmed |
| Access terms | Regulated savings account, unlimited duration, base interest earned from the day after deposit until the withdrawal day; 12-month loyalty premium forfeited on amounts withdrawn before 12 months | Not confirmed |
| Monthly fee | €0 | Not confirmed |
| Account kind | Easy access | Not confirmed |
Credit cards
| Fact | CBC Banque SA | Ottonova |
|---|---|---|
| Annual fee | €88 | Not confirmed |
| Rewards type | None | Not confirmed |
| Card kind | Credit | Not confirmed |
Mortgages
| Fact | CBC Banque SA | Ottonova |
|---|---|---|
| Purpose | Purchase, Remortgage | Not confirmed |
Where each stands against the rest
| Fact | CBC Banque SA | Ottonova | Median |
|---|---|---|---|
| Premium from | Not confirmed | €284highest quarter | €6.02 |
| Excess from | €250highest quarter | €500highest quarter | €70 |
Median across 116 listed providers.
Pros and cons
CBC Banque SA
Pros
- The debit card is a Mastercard, giving it broad acceptance outside the local market.
- The account has fees of €0 and uses the no-monthly-fee model.
- Support is available through phone, chat and email.
Cons
- The savings headline rate is 0.6%, which is below the site median of 3%.
- The loyalty premium is forfeited on amounts withdrawn before the stated qualifying period.
- The available credit card has annual fees of €88 and no rewards.
Ottonova
Pros
- Premiums start at €284 a month, and monthly payments are available
- Health and dental cover sit in the same policy
- Cover is unlimited within the European Economic Area, and a period of worldwide cover comes at no extra charge
Cons
- An excess applies, starting at €500
- Support runs on email, chat and phone only
- Only health and dental are covered, so travel, home or life policies need a different provider
Who each suits
CBC Banque SA
Who it suits
- Belgian customers who mainly want everyday card spending without a monthly account fee.
- People who value easy access to savings and want support by phone, chat, email or through the help centre.
Who should look elsewhere
- Wise or Starling Personal Account Debit Card if a no-monthly-fee model is the priority, as both list fees of £0 and £0.
- People prioritising a high savings return, because CBC Banque SA's headline rate is 0.6%.
Ottonova
Who it suits
- Expats settling in Germany who need cover that starts early in a new country
- Employees whose employer sponsors private health insurance
- People who prefer to file and track claims in an app rather than on paper
Who should look elsewhere
- Anyone wanting travel, home or life cover, which Ottonova does not write
- People who need a broker rather than a direct insurer, since Ottonova is an insurer
- Readers on a tight budget, as premiums start well above the site median of €9.14
Country by country
| Country | CBC Banque SA | Ottonova |
|---|---|---|
| Belgium | Yes | No |
| Germany | No | Yes |
Questions about each
CBC Banque SA
What does the CBC Banque SA debit card cost?+
The linked account has fees of €0, and the account follows the no-monthly-fee model. The card itself is a debit card, rather than a prepaid or virtual card.
Which card network does CBC Banque SA use?+
CBC Banque SA lists Mastercard as the network for its debit card. Mastercard is a widely accepted payment network, making the card suitable for everyday purchases both locally and abroad.
Ottonova
What does Ottonova cost a month?+
Premiums start at €284 a month on the employee policy, and monthly payments are available, so the cost is spread across the year. An excess of €500 applies when a claim is settled, so the headline figure is not the whole bill.
What does Ottonova actually cover?+
Ottonova writes health and dental cover. For expats, a period of worldwide cover comes at no extra charge, and cover is unlimited within the European Economic Area, which matters if treatment happens outside Germany.
Other options to compare
Ottonova
CBC Banque SA