Updated September 28, 2026 · SumCue Editorial Team
CHECK24 vs CIMB Bank
CHECK24
Higher score in this comparison
CIMB Bank
Where CHECK24 and CIMB Bank differ
| Compare | CHECK24ReviewVisitVisit | CIMB BankReviewVisitVisit |
|---|---|---|
| APR | 0.68% to 19.92%Lower | 15% |
| Loan amount | €500 to €150,000 | MYR 2,000 to MYR 100,000 |
| Term | 12 to 240 monthsHigher | 24 to 84 months |
| Arrangement fee | 0 EUR | RM0 (no processing fee) |
| Funding time | as little as 3 minutes at some banks, same day | Instant disbursement; approved and disbursed in 10 minutes |
| 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) | Cash Plus Personal Loan: fixed 4.38% p.a. equivalent to effective interest rate 8.08% p.a. on 5-year tenure |
| Rate type | Fixed | Variable |
| Lender type | Broker | Direct lender |
| Loan types | Personal, Debt consolidationCovers more | Personal |
| Credit check | Soft prequal | Not confirmed |
| Eligibility | Not confirmed | Malaysian citizen, aged 21 to 58 (max 60 at loan maturity), minimum monthly gross income RM2,000, employed over 6 consecutive months |
| Origination fee (%) | Not confirmed | 0.5% |
| Use cases | Home improvement | Not confirmed |
Same on both: Free early repayment (Yes).
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Key differences
- CHECK24 scores higher overall: 9.3 vs 8.8.
- APR is lower at CHECK24: 0.68% to 19.92% vs 15%.
- Term is higher at CHECK24: 12 to 240 months vs 24 to 84 months.
- Support channels: only CHECK24 offers Chat, Email, Phone.
- Pricing model: only CHECK24 offers Monthly.
- Pricing model: only CIMB Bank offers No annual fee.
- Features: only CHECK24 offers Same day funding.
- Features: only CIMB Bank offers Rewards.
- Loan types: only CHECK24 offers Debt consolidation.
Our verdict on each
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.
CIMB Bank
CIMB Bank suits Malaysian savers and borrowers who want plain costs and fast access to money. Its easy-access Basic Savings Account pays 0.25% on variable terms with no annual fee, and its Cash Plus personal loan carries an arrangement fee of RM0 (no processing fee).
Score breakdown
| Area | CHECK24 | CIMB Bank |
|---|---|---|
| Cost | 9.8HigherOrigination fee of 0 EUR, a monthly fee of €0 on the savings account and a minimum deposit of €0. | 9.2 |
| Offer | 9.6Higher | 8.2 |
| Trust | 8.6 | Not confirmed |
From lowest to highest
| Fact | CHECK24 | CIMB Bank |
|---|---|---|
| Term | 12 to 240 months | 24 to 84 months |
Where each is licensed and available
| Country | CHECK24 | CIMB Bank |
|---|---|---|
| Germany | IHK Frankfurt am Main D-UC2S-PFVJD-82 IHK fuer Muenchen und Oberbayern D-FPD7-IQZPB-00 Handelskammer Hamburg D-I6KJ-85T6H-31 | Not confirmed |
A third option
Prestamiau ES has apr at 0% to 36%, against 0.68% to 19.92% for CHECK24 and 15% for CIMB Bank.
Prestamiau ES reviewHow they place
| Ranking | CHECK24 | CIMB Bank |
|---|---|---|
| Loans | 88 of 2043 | 127 of 2043 |
| Personal loans | 74 of 1317 | 106 of 1317 |
| Mortgages | 8 of 853 | 14 of 853 |
Every fact side by side
| Fact | CHECK24 | CIMB Bank |
|---|---|---|
| Pricing model | Monthly | No annual fee |
| Features | Same day funding | Rewards |
| Legal entity | CHECK24 Vergleichsportal GmbH | CIMB Bank Berhad |
| Headquarters | Germany | Malaysia |
| Founded | 1999 | Not confirmed |
| Support channels | Chat, Email, Phone, Help centreCovers more | Help centre |
Savings
| Fact | CHECK24 | CIMB Bank |
|---|---|---|
| Headline rate | 3.82%Higher | 0.25% |
| Minimum deposit | €0 | MYR 20 |
| Access terms | Daily-access savings (Tagesgeld), no notice period, cancel at any time | Withdraw funds at any time from an ATM, online, or at a branch |
| Monthly fee | €0 | MYR 0 |
| Account kind | Easy access | Easy access |
Mortgages
| Fact | CHECK24 | CIMB Bank |
|---|---|---|
| Initial rate | 3.43%Lower | 4.8% to 5.2% |
| APRC | 3.5% | Not confirmed |
| Fixed period | 10 years | Not confirmed |
| Maximum loan to value | 66% | 100%Higher |
| Product fee | Not confirmed | MYR 0 |
| Purpose | Purchase, Remortgage | Purchase, First time buyer |
Credit cards
| Fact | CHECK24 | CIMB Bank |
|---|---|---|
| Annual fee | Not confirmed | MYR 0 |
| Rewards type | Not confirmed | Cashback |
| Rewards rate | Not confirmed | Unlimited Cash Rebate |
| Card kind | Not confirmed | Credit |
Where each stands against the rest
| Fact | CHECK24 | CIMB Bank | Median |
|---|---|---|---|
| APR | 0.68% to 19.92%lowest quarter | 15%above the median | 9.99 |
| Term | 12 to 240 monthshighest quarter | 24 to 84 monthsabove the median | 60 |
| Origination fee (%) | Not confirmed | 0.5%above the median | 0% |
Median across 1096 listed providers.
Pros and cons
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
CIMB Bank
Pros
- The debit card carries an annual fee of MYR 0, so there is no yearly charge to hold it
- Personal loans charge an arrangement fee of RM0 (no processing fee), plus 0.5% on the loan amount
- Funding time is listed as Instant disbursement; approved and disbursed in 10 minutes, so an approved loan does not sit waiting on a payout
Cons
- Support runs on help centre only, so most questions are handled through the help centre itself
- The savings rate is variable at 0.25%, so the return can rise or fall with the base rate
- Loan eligibility is limited to Malaysian citizens who are adults, with a minimum monthly gross income and a waiting period of employment
Who each suits
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
CIMB Bank
Who it suits
- Malaysian adults who want an easy-access savings balance held with no monthly fee
- Borrowers who want a personal loan with an arrangement fee of RM0 (no processing fee) and quick disbursement
- First-time home buyers using the CIMB My First Home purchase route with up to 100% loan to value
Who should look elsewhere
- Anyone outside Malaysia, since the personal loan eligibility rests on Malaysian citizenship
- Savers who want a locked rate, because the rate type on the savings account is variable
- Borrowers who cannot meet the minimum monthly gross income requirement for approval
Country by country
| Country | CHECK24 | CIMB Bank |
|---|---|---|
| Austria | Yes | No |
| Germany | Yes | No |
| Spain | Yes | No |
Questions about each
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.
CIMB Bank
What rate does the Basic Savings Account pay?+
It pays a headline rate of 0.25% at a variable rate type, so the return follows the base rate. The account opens with a minimum deposit of MYR 20, and the monthly fee is MYR 0.
How much does it cost to hold a CIMB Bank account?+
The monthly fee on the savings account is MYR 0, and the annual fee on the cards is MYR 0. Money in the savings account is easy-access, so you can take it out whenever you need it, at an ATM, online or at a branch counter.
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