Updated September 28, 2026 · SumCue Editorial Team
CHECK24 vs die Bayerische
CHECK24
die Bayerische
Higher score in this comparison
What sets them apart
| Compare | CHECK24ReviewVisitVisit | die BayerischeReviewSee alternativesSee alternatives |
|---|---|---|
| Premium from | €0.69Lower | €2.09 |
| Provider type | Comparison site | Insurer |
| Cover limit | EUR 5 million to EUR 50 million, recommended at least EUR 10 million | 100 million EUR (E-Scooter-Versicherung) |
| Claims channels | CHECK24 Versicherungscenter online claim form, Insurer online claim form, Post | Online, Post, Phone |
| Monthly payments | Not confirmed | Yes |
| Excess from | Not confirmed | €0 to €35 |
Same on both: Insurance types (Auto, Home, Life, Health, Travel, Pet, Motorcycle, Dental, Income protection, Gadget).
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
- die Bayerische scores higher overall: 9.6 vs 9.3.
- Founded is lower at die Bayerische: 1858 vs 1999.
- CHECK24 is available in 2 more countries.
- Premium from is lower at CHECK24: €0.69 vs €2.09.
- Claims channels: only CHECK24 offers CHECK24 Versicherungscenter online claim form, Insurer online claim form.
- Claims channels: only die Bayerische offers Online, Phone.
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.
die Bayerische
die Bayerische suits German households who want several kinds of cover from one insurer and would rather pay a small monthly premium than an annual one. Premiums start at €2.09 and the monthly model keeps cash flow predictable.
Score breakdown
| Area | CHECK24 | die Bayerische |
|---|---|---|
| Cost | 9.8HigherOrigination fee of 0 EUR, a monthly fee of €0 on the savings account and a minimum deposit of €0. | 9.4Premiums start at €2.09 on a monthly model, below the €8.31 site median. |
| Offer | 9.6 | 9.6 |
| Trust | 8.6 | 9.7Higher |
Side by side, item by item
| Insurance types | CHECK24 | die Bayerische |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | Yes |
| Life | Yes | Yes |
| Health | Yes | Yes |
| Travel | Yes | Yes |
| Pet | Yes | Yes |
| Motorcycle | Yes | Yes |
| Dental | Yes | Yes |
| Income protection | Yes | Yes |
| Gadget | Yes | Yes |
How they place
| Ranking | CHECK24 | die Bayerische |
|---|---|---|
| Insurance | 17 of 627 | 59 of 627 |
| Life insurance | 5 of 238 | 18 of 238 |
| Health insurance | 6 of 200 | 18 of 200 |
| Car insurance | 5 of 279 | 20 of 279 |
| Home insurance | 5 of 258 | 19 of 258 |
| Travel insurance | 9 of 278 | 38 of 278 |
| Pet insurance | 4 of 157 | 12 of 157 |
Where these facts come from
CHECK24
- check24.de: 10 facts, checked September 26, 2026
die Bayerische
- diebayerische.de: 12 facts, checked September 26, 2026
Every fact side by side
| Fact | CHECK24 | die Bayerische |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | CHECK24 Vergleichsportal GmbH | BY die Bayerische Vorsorge Lebensversicherung a.G. |
| Headquarters | Germany | Germany |
| Founded | 1999 | 1858Lower |
| Support channels | Chat, Email, Phone, Help centre | Phone, Email, Chat, Help centre |
Loans
| Fact | CHECK24 | die Bayerische |
|---|---|---|
| APR | 0.68% to 19.92% | Not confirmed |
| Loan amount | €500 to €150,000 | Not confirmed |
| Term | 12 to 240 months | Not confirmed |
| Arrangement fee | 0 EUR | Not confirmed |
| Credit check | Soft prequal | Not confirmed |
| Funding time | as little as 3 minutes at some banks, same day | Not confirmed |
| 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) | Not confirmed |
| Features | Same day funding | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Lender type | Broker | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Loan types | Personal, Debt consolidation | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Savings
| Fact | CHECK24 | die Bayerische |
|---|---|---|
| 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 | die Bayerische |
|---|---|---|
| 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 |
Where each stands against the rest
| Fact | CHECK24 | die Bayerische | Median |
|---|---|---|---|
| Premium from | €0.69lowest quarter | €2.09lowest quarter | €6.02 |
| Excess from | Not confirmed | €0 to €35below the median | €70 |
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
die Bayerische
Pros
- Premiums start at €2.09, below the €8.31 site median
- Cover spans auto, home, motorcycle, life, health, dental, travel, pet, income protection and gadget cover
- Monthly payments are available, and monthly is the only payment model listed
Cons
- Claims can only be filed through online, post and phone, so no branch or in person route is listed
- The excess on the phone cover policy runs €0 to €35
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
die Bayerische
Who it suits
- Households bundling several insurance types under one provider
- Drivers, riders and pet owners wanting monthly premiums rather than annual payments
- People who prefer contacting support by phone
Who should look elsewhere
- Anyone wanting to file a claim in person, since claims run on online, post and phone
- Shoppers wanting a broader set of protection products such as income protection portfolios
Current offers
die Bayerische
Current offer
Bonus
Happybrush voucher or toothbrush with Zahnzusatzversicherung: Voucher or Happybrush toothbrush
On conclusion of a Zahnzusatzversicherung, depending on the tariff chosen
Source, checked September 26, 2026
Country by country
| Country | CHECK24 | die Bayerische |
|---|---|---|
| Austria | Yes | No |
| Spain | Yes | No |
| Germany | Yes | Yes |
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.
die Bayerische
What does die Bayerische cover?+
Its listed insurance types include auto, home, motorcycle, life, health, dental, travel, pet, income protection and gadget cover. That spread lets a household hold several policies with one insurer, and the group operates as an insurer, so policies sit with the company rather than a broker.
How much is the cheapest premium?+
Premiums start at €2.09, which is well under the €8.31 median premium across the site. The figure comes from the phone liability cover, so other policies such as motor, home or life cover sit at different price points.
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CHECK24
die Bayerische