Updated September 29, 2026 · SumCue Editorial Team
CHECK24 vs EstateGuru
CHECK24
Higher score in this comparison
EstateGuru
What sets them apart
| Compare | CHECK24ReviewVisitVisit | EstateGuruReviewVisitVisit |
|---|---|---|
| Headline rate | 3.82% | 7%Higher |
| Minimum deposit | €0Lower | €100 |
| Access terms | Daily-access savings (Tagesgeld), no notice period, cancel at any time | KYC-completed Estateguru account required; interest paid monthly; no early exit, portfolio loans cannot be sold on the secondary market until borrower repayment |
| Account kind | Easy access | Fixed |
| Term | 12 to 240 months | Not confirmed |
| Deposit protection | Not confirmed | EU DGS up to EUR 100,000 |
| Monthly fee | €0 | Not confirmed |
Same on both: Rate type (Fixed).
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
- CHECK24 scores higher overall: 9.3 vs 8.8.
- Founded is lower at CHECK24: 1999 vs 2013 to 2014.
- EstateGuru is licensed in 2 more countries.
- Minimum deposit is lower at CHECK24: €0 vs €100.
- Headline rate is higher at EstateGuru: 7% vs 3.82%.
- Pricing model: only CHECK24 offers Monthly.
- Pricing model: only EstateGuru 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.
EstateGuru
EstateGuru pays 7% on its fixed loan based notes, with interest credited monthly and deposits covered by EU DGS up to EUR 100,000. It suits lenders who can leave cash in place and want the rate set from the day they join.
Score breakdown
| Area | CHECK24 | EstateGuru |
|---|---|---|
| Cost | 9.8HigherOrigination fee of 0 EUR, a monthly fee of €0 on the savings account and a minimum deposit of €0. | 8.3 |
| Offer | 9.6 | 9.8Higher |
| Trust | 8.6 | 8.6 |
What it costs in practice
10,000 saved for 12 months
CHECK24
382
3.82% of 10,000
EstateGuru
700
7% of 10,000
EstateGuru comes out 318 higher in this example.
Excludes monthly fee (not stated by EstateGuru). Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Licences and countries
| Country | CHECK24 | EstateGuru |
|---|---|---|
| Estonia | Not confirmed | |
| Finland | Not confirmed | |
| 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 |
| Lithuania | Not confirmed |
Where they rank in our lists
| Ranking | CHECK24 | EstateGuru |
|---|---|---|
| Loans | 88 of 2043 | 882 of 2043 |
| Mortgages | 8 of 853 | 15 of 853 |
What we checked
CHECK24
- check24.de: 10 facts, checked September 26, 2026
- kredit.check24.de: 2 facts, checked September 26, 2026
EstateGuru
- estateguru.co: 10 facts, checked September 26, 2026
- fi.ee: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | CHECK24 | EstateGuru |
|---|---|---|
| Pricing model | Monthly | Fixed rate |
| Legal entity | CHECK24 Vergleichsportal GmbH | Estateguru OU |
| Headquarters | Germany | Estonia |
| Founded | 1999Lower | 2013 to 2014 |
| Support channels | Chat, Email, Phone, Help centre | Email, Chat, Phone, Help centre |
Loans
| Fact | CHECK24 | EstateGuru |
|---|---|---|
| APR | 0.68% to 19.92% | Not confirmed |
| Loan amount | €500 to €150,000 | 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 |
| Lender type | Broker | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Loan types | Personal, Debt consolidation | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Mortgages
| Fact | CHECK24 | EstateGuru |
|---|---|---|
| Initial rate | 3.43%Lower | 7.2% |
| APRC | 3.5% | Not confirmed |
| Fixed period | 10 yearsHigher | 3 years |
| Maximum loan to value | 66% | 75%Higher |
| Purpose | Purchase, Remortgage | Not confirmed |
Where each stands against the rest
| Fact | CHECK24 | EstateGuru | Median |
|---|---|---|---|
| Headline rate | 3.82%above the median | 7%highest quarter | 3.3% |
| Term | 12 to 240 monthshighest quarter | Not confirmed | 60 |
| Minimum deposit | €0below the median | €100highest quarter | €1 |
| Monthly fee | €0at the median | Not confirmed | €0 |
Median across 710 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
EstateGuru
Pros
- A fixed rate of 7% held for the whole term
- Interest is credited to the account every month
- Deposits sit under EU DGS up to EUR 100,000
Cons
- Cash in the notes stays in place for the full term, with the rate held at 7% throughout
- The portfolio loans behind the notes stay off the secondary market until the borrower has repaid
- An Estateguru account with completed identity checks is required before you can hold notes
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
EstateGuru
Who it suits
- Lenders who want a fixed rate and can leave the cash in place
- Property investors who prefer monthly income from loans that run to term
- Savers with €100 or more who weigh cover above access
Who should look elsewhere
- Anyone who may need the money back before the term ends
- bunq, whose 3.01% pays less but keeps the balance open
- Wise, whose 3.29% suits everyday cash rather than a fixed note
Country by country
| Country | CHECK24 | EstateGuru |
|---|---|---|
| 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.
EstateGuru
What rate does EstateGuru pay on its notes?+
The headline rate is 7% on fixed terms, set when you join and then held for the whole term. Interest is credited to your account every month rather than at the end of the term.
Is my money protected at EstateGuru?+
Deposits are covered by EU DGS up to EUR 100,000. The provider is listed with Finantsinspektsioon, the Estonian Financial Supervision and Resolution Authority, under registration 4.1-1/48, and it appears among the crowdfunding service providers that regulator supervises.
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