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CHECK24 review

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

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.

Our verdict

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.

Key facts

Best for
Comparing German savings, loans, mortgages and insurance through a single licensed broker.
Premium from
€0.69↗
Insurance types
Auto, Home, Life, Health, Travel, Pet, Motorcycle, Dental, Income-protection, Gadget↗
Provider type
Comparison site↗
Cover limit
EUR 5 million to EUR 50 million, recommended at least EUR 10 million↗
Claims channels
CHECK24-Versicherungscenter online claim form, Insurer online claim form, Post↗
Legal entity
CHECK24 Vergleichsportal GmbH↗
Headquarters
Germany↗
Founded
1999↗
Support channels
Chat, Email, Phone, Help-centre↗
Pricing model
Monthly
Official website
check24.de

Loans

APR
0.68% to 19.92%↗
Loan amount
€500 to €150,000↗
Term
12 to 240 months↗
Arrangement fee
0 EUR↗
Credit check
Soft prequal↗
Funding time
as little as 3 minutes at some banks, same day↗
Representative example
Ratenkredit: 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)↗
Rate type
Fixed↗
Lender type
Broker↗
Free early repayment
Yes↗
Loan types
Personal, Debt-consolidation↗
Use cases
Home-improvement↗
Features
Same-day funding

Savings

Headline rate
3.82%↗
Minimum deposit
€0↗
Access terms
Daily-access savings (Tagesgeld), no notice period, cancel at any time↗
Monthly fee
€0↗
Account kind
Easy access↗

Mortgages

Initial rate
3.43%↗
APRC
3.5%↗
Fixed period
10 years↗
Maximum loan to value
66%↗
Purpose
Purchase, Remortgage↗

Facts checked September 26, 2026, 9 sources

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataWikipediaTrustpilotitunes.apple.com

Pros and cons

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
  • Support runs on chat, email and phone, with phone and a help centre listed alongside email and chat

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
  • Claims run on CHECK24 Versicherungscenter online claim form, insurer online claim form and post, so a claim is filed through an online form or by post and no counter service is listed
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Scored 9.3 / 10 by SumCue.

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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

Cover and limits

The catalogue runs across auto, home and life, which covers the main household lines from auto, home, life, health, travel and pet through dental, income protection, motorcycle and gadget cover. On private liability the cover limit is set by the insurer and ranges widely across the market, and CHECK24 advises picking one of the higher limits rather than the cheapest tier. Because the limits are quoted by the partner insurer, the same policy can be bought twice at very different levels, so the limit is the line to read closely before the premium.

Who regulates it

CHECK24 does not underwrite or lend in its own name. comparison site is a comparison site and broker is a broker, so a quote comes from a partner bank or insurer rather than from a single provider. Registration sits with the German chambers of commerce, with D-UC2S-PFVJD-82 at IHK Frankfurt am Main, D-FPD7-IQZPB-00 at IHK fuer Muenchen und Oberbayern and D-I6KJ-85T6H-31 at Handelskammer Hamburg. All three registrations are German, so the broker is licensed for the German market only and readers elsewhere in Europe would not be covered by them.

Deposit protection

Deposit protection follows the partner, not the portal. comparison site is a comparison site rather than a bank, so savings placed through CHECK24 are held by the bank it introduces, and any deposit protection sits with that bank. The registrations on file, D-UC2S-PFVJD-82, D-FPD7-IQZPB-00 and D-I6KJ-85T6H-31, are chamber licences for brokering rather than a deposit guarantee. Check the protection limit shown on the partner bank's own terms before you commit a large balance.

The company behind it

The operator is CHECK24 Vergleichsportal GmbH, headquartered in Germany and founded in 1999, which places it among the longer established German price comparison portals. Its broker registration is listed at D-UC2S-PFVJD-82, D-FPD7-IQZPB-00 and D-I6KJ-85T6H-31. Customer service runs on chat, email and phone, so help is available by phone, email, chat or the help centre rather than in person. A single company name sits behind the savings, loan, mortgage and insurance sides, which keeps one point of contact for most queries.

How CHECK24 compares

Where CHECK24 is available

Available
Austria, Germany, Spain
Licence in Germany
IHK Frankfurt am Main (D-UC2S-PFVJD-82), checked September 26, 2026
Licence in Germany
IHK fuer Muenchen und Oberbayern (D-FPD7-IQZPB-00), checked September 26, 2026
Licence in Germany
Handelskammer Hamburg (D-I6KJ-85T6H-31), checked September 26, 2026

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

Frequently asked questions

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.

Can I get my money out of the savings account quickly?+

Yes. The savings product is daily-access with no notice period and it can be cancelled at any time, and the account kind is listed as easy access. That means cash stays reachable day to day rather than being locked away for a term, which suits anyone holding a house deposit or a short term fund.

What licence does CHECK24 hold?+

Broker registration is listed with three German chambers of commerce: D-UC2S-PFVJD-82, D-FPD7-IQZPB-00 and D-I6KJ-85T6H-31. All three sit in Germany, so the registrations cover the German market rather than a wider European one, and a reader outside Germany would need to check the local rules.

How are loans and mortgages priced?+

Loan annual rates run 0.68% to 19.92% on a fixed basis, with borrowing arranged through a broker rather than by a lender in its own right. Mortgage offers start at an initial rate of 3.43% and the annual percentage rate is 3.5%, with a fixed period of 10 and a maximum loan to value of 66%.

Does applying for a loan affect my credit file?+

The listed credit check is soft prequal, so the comparison step uses a soft prequalification rather than a hard search. A hard check still sits with the partner bank once an actual offer is accepted, which is the point at which a file mark is likely to appear.

What kinds of insurance can I compare?+

The catalogue covers auto, home and life. That spans the main household lines from motor, home and travel through life, health, dental, income protection, motorcycle, pet and gadget cover, so most policies a family holds can be priced side by side rather than one at a time.

How do I contact CHECK24 or make a claim?+

Support runs on chat, email and phone, which covers phone, email, chat and a help centre. Claims follow a separate route on CHECK24 Versicherungscenter online claim form, insurer online claim form and post, so you can file through an online claim form or send the papers by post rather than dealing with a counter or a branch.

How much can I borrow, and how fast?+

Loan amounts run €500 to €150,000 over a term of 12 to 240, and the listed types are personal and debt consolidation with home improvement the named use. Funding is as little as 3 minutes at some banks, same day at some partner banks, which is worth checking against the pace of a partner that is slower to pay out.

Sources

  • kredit.check24.de checked September 26, 2026

    Backs: Loan amount, APR, Credit check, Features, Funding time, Loan types, Rate type, Representative example, Term, Use cases

    “Zinssaetze: min. 0,68% bis max. 19,92% eff. Jahreszins”

  • check24.de checked September 26, 2026

    Backs: Provider type, Founded

    “CHECK24 - Deutschlands größtes Vergleichsportal”

  • check24.de checked September 26, 2026

    Backs: Arrangement fee

  • check24.de/baufinanzierung checked September 26, 2026

    Backs: APRC, Fixed period, Initial rate, Maximum loan to value, Purpose

    “Günstigster Anbieter: 3,43 % Sollzinssatz p.a., 3,50 % eff. Jahreszins, 2,00 % Tilgung”

  • check24.de/privathaftpflicht checked September 26, 2026

    Backs: Claims channels, Cover limit, Pricing model, Premium from

    “Ab 0,69 Euro monatlich”

  • check24.de/tagesgeld checked September 26, 2026

    Backs: Access terms, Account kind, Headline rate, Minimum deposit, Monthly fee

    “Mindestanlage 0 EUR (Bank of Scotland - Tagesgeld, most popular offer in the comparison)”

  • check24.de/unternehmen/impressum checked September 26, 2026

    Backs: Headquarters, Insurance types, Legal entity, Lender type, Licences

  • check24.de/unternehmen/kontakt checked September 26, 2026

    Backs: Support channels

    “Chat starten, E-Mail schreiben, Rückruf anfordern”

  • check24.de/unternehmen/ueber-uns checked September 26, 2026

    Backs: Free early repayment

Compiled from 9 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Monthly payments.

CHECK24

CHECK24

Comparing German savings, loans, mortgages and insurance through a single licensed broker.

9.3/10Visit