Updated September 28, 2026 · SumCue Editorial Team
CHECK24 vs Compass
CHECK24
Compass
Higher score in this comparison
Where CHECK24 and Compass differ
| Compare | CHECK24ReviewVisitVisit | CompassReviewVisitVisit |
|---|---|---|
| Insurance types | Auto, Home, Life, Health, Travel, Pet, Motorcycle, Dental, Income protection, Gadget | Home, Home emergency, Health, Travel, Pet |
| Provider type | Comparison site | Broker |
| Claims channels | CHECK24 Versicherungscenter online claim form, Insurer online claim form, Post | Phone, Email, Online portal, Post |
| Premium from | €0.69 | Not confirmed |
| Monthly payments | Not confirmed | Yes |
| Cover limit | EUR 5 million to EUR 50 million, recommended at least EUR 10 million | Not confirmed |
| Age range | Not confirmed | 18+ (resident in Italy) |
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
- Compass scores higher overall: 9.4 vs 9.3.
- Founded is lower at Compass: 1960 vs 1999.
- CHECK24 is available in 2 more countries.
- Insurance types: only CHECK24 offers Auto, Life, Motorcycle.
- Insurance types: only Compass offers Home emergency.
- Claims channels: only CHECK24 offers CHECK24 Versicherungscenter online claim form, Insurer online claim form.
- Claims channels: only Compass offers Phone, Email, Online portal.
- Support channels: only CHECK24 offers Chat, Email.
- Pricing model: only CHECK24 offers Monthly.
- Pricing model: only Compass offers Fixed rate.
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.
Compass
Compass is a bank-direct lender for Italian residents, and it is a poor fit for you if you need to check rates without a hard credit check. hard stands, and 7.38% to 15.84% sits well under the 15.5% typical of the wider market, with free early repayment on every loan.
Score breakdown
| Area | CHECK24 | Compass |
|---|---|---|
| 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 | 9.2Fixed-rate loans of €1,000 to €30,000 over 24 to 96, with 0 EUR for online loans from 1,000 to 5,000 EUR for online loans. |
| Trust | 8.6 | 9.6Higher |
Where each is licensed and available
| Country | CHECK24 | Compass |
|---|---|---|
| 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 |
| Italy | Not confirmed | Banca d'Italia Albo dei Gruppi Bancari n. 1030 (Gruppo Bancario Monte dei Paschi di Siena) IVASS RUI D000203141 sez. D |
Additional countries for CHECK24: 3. Additional countries for Compass: 1.
Sources behind this comparison
CHECK24
- check24.de: 10 facts, checked September 26, 2026
Compass
- compass.it: 10 facts, checked September 26, 2026
How they place
| Ranking | CHECK24 | Compass |
|---|---|---|
| Loans | 88 of 2043 | 85 of 2043 |
| Personal loans | 74 of 1317 | 72 of 1317 |
| Insurance | 17 of 627 | 14 of 627 |
| Health insurance | 6 of 200 | 4 of 200 |
| Home insurance | 5 of 258 | 3 of 258 |
| Travel insurance | 9 of 278 | 7 of 278 |
| Pet insurance | 4 of 157 | 2 of 157 |
Every fact side by side
| Fact | CHECK24 | Compass |
|---|---|---|
| Pricing model | Monthly | Fixed rate |
| Legal entity | CHECK24 Vergleichsportal GmbH | Compass Banca S.p.A. |
| Headquarters | Germany | Italy |
| Founded | 1999 | 1960Lower |
| Support channels | Chat, Email, Phone, Help centreCovers more | Phone, Help centre |
Loans
| Fact | CHECK24 | Compass |
|---|---|---|
| APR | 0.68% to 19.92%Lower | 7.38% to 15.84% |
| Loan amount | €500 to €150,000Higher | €1,000 to €30,000 |
| Term | 12 to 240 monthsHigher | 24 to 96 months |
| Arrangement fee | 0 EUR | 0 EUR for online loans from 1,000 to 5,000 EUR |
| Credit check | Soft prequal | Hard |
| Funding time | as little as 3 minutes at some banks, same day | Outcome within the next working day; existing app customers up to 5,000 EUR in 60 seconds |
| 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) | Prestito Online EUR 7,000: TAEG 7.38% to 15.84%, fixed TAN 6.9% to 13.89%, 60 monthly instalments of EUR 138.69 to 139.92 |
| Features | Same day funding | Same day funding |
| Rate type | Fixed | Fixed |
| Lender type | Broker | Direct lender |
| Free early repayment | Yes | Yes |
| Eligibility | Not confirmed | Italian or foreign citizen aged 18 to 82, resident in Italy |
| Loan types | Personal, Debt consolidation | Personal, Debt consolidation |
| Use cases | Home improvement | Home improvement |
Savings
| Fact | CHECK24 | Compass |
|---|---|---|
| Headline rate | 3.82% | Not confirmed |
| Minimum deposit | €0 | Not confirmed |
| Access terms | Daily-access savings (Tagesgeld), no notice period, cancel at any time | Not confirmed |
| Monthly fee | €0 | Not confirmed |
| Account kind | Easy access | Not confirmed |
Mortgages
| Fact | CHECK24 | Compass |
|---|---|---|
| Initial rate | 3.43% | Not confirmed |
| APRC | 3.5% | Not confirmed |
| Fixed period | 10 years | Not confirmed |
| Maximum loan to value | 66% | Not confirmed |
| Purpose | Purchase, Remortgage | Not confirmed |
Credit cards
| Fact | CHECK24 | Compass |
|---|---|---|
| Annual fee | Not confirmed | €0 |
| Rewards type | Not confirmed | Cashback |
| Rewards rate | Not confirmed | Cashback Base on spending above a minimum threshold |
| Perks | Not confirmed | No annual fee, Stamp duty paid by Compass, Paper and digital statement at EUR 0, Initial credit line of EUR 1,500, Issued and activated directly in branch, Visa circuit with contactless and 3D Secure, Apple Pay and Google Pay, Free SMS transaction alerts, Free 24/7 card blocking number |
| Card kind | Not confirmed | Credit |
Where each stands against the rest
| Fact | CHECK24 | Compass | Median |
|---|---|---|---|
| Premium from | €0.69lowest quarter | Not confirmed | €6.02 |
Median across 116 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
Compass
Pros
- 0 EUR for online loans from 1,000 to 5,000 EUR for online loans of €1,000 to €30,000
- same day funding is listed, and existing app customers get a fast decision
- Free early repayment is offered, as 79.4% of the market does
Cons
- hard means applying can leave a mark on the credit file
- phone and help centre are listed, so there is no live chat on the loan side
- 7.38% to 15.84% tops out at more than twice the 7.85% low end seen across the market
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
Compass
Who it suits
- Italian residents in their adulthoods looking for fixed rate pricing
- People consolidating existing debts, since personal and debt consolidation are listed
- Branch customers who also want a credit card with €0
Who should look elsewhere
- Anyone who wants a soft check, because hard
- Borrowers outside Italy, since Italian or foreign citizen aged 18 to 82, resident in Italy requires residence in Italy
- Those who want live chat, because phone and help centre cover phone and a help centre only
Current offers
Compass
Current offer
Bonus
Spese di istruttoria azzerate (Prestito Online): 0 EUR origination fee on online loans from 1,000 to 5,000 EUR
Perfezionamento via web della richiesta di Prestito Online; offer validity dates not displayed on the page
Source, checked September 26, 2026
Country by country
| Country | CHECK24 | Compass |
|---|---|---|
| Austria | Yes | No |
| Germany | Yes | No |
| Italy | No | Yes |
| 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.
Compass
What rate will I pay on a Compass personal loan?+
Loans are fixed rate at an APR of 7.38% to 15.84%, and the rate you get depends on your profile. The example on file shows 7.38% to 15.84% against a fixed nominal rate, with equal monthly instalments across the term. Early repayment is free, so paying the loan off sooner costs nothing extra.
Is there an arrangement fee on a Compass loan?+
Online loans carry 0 EUR for online loans from 1,000 to 5,000 EUR. Larger amounts may be handled as a branch arrangement, where the fee is quoted separately on the offer. The credit card is a different product and its €0 is separate again.
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