Updated September 29, 2026 · SumCue Editorial Team
CHECK24 vs HelloSafe (Atlas)
CHECK24
Higher score in this comparison
HelloSafe (Atlas)
What sets them apart
| Compare | CHECK24ReviewVisitVisit | HelloSafe (Atlas)ReviewVisitVisit |
|---|---|---|
| Premium from | €0.69Lower | €9 |
| Insurance types | Auto, Home, Life, Health, Travel, Pet, Motorcycle, Dental, Income protection, GadgetCovers more | Travel |
| Provider type | Comparison site | Broker |
| Cover limit | EUR 5 million to EUR 50 million, recommended at least EUR 10 million | Emergency medical expenses EUR 500,000 - 2,500,000 |
| Claims channels | CHECK24 Versicherungscenter online claim form, Insurer online claim form, Post | Phone, Email, Chat |
| Monthly payments | Not confirmed | No |
| Age range | Not confirmed | All ages, every nationality |
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 8.6.
- HelloSafe (Atlas) is available in 25 more countries.
- Premium from is lower at CHECK24: €0.69 vs €9.
- Insurance types: only CHECK24 offers Auto, Home, Life.
- Claims channels: only CHECK24 offers CHECK24 Versicherungscenter online claim form, Insurer online claim form, Post.
- Claims channels: only HelloSafe (Atlas) offers Phone, Email, Chat.
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.
HelloSafe (Atlas)
HelloSafe suits expats seeking travel cover through a broker model with helpful support across phone, email and chat for trip planning. Premiums start at €9 with emergency medical cover at Emergency medical expenses EUR 500,000 - 2,500,000, while monthly payments stay unavailable for annual plans and cover remains travel focused.
Score breakdown
| Area | CHECK24 | HelloSafe (Atlas) |
|---|---|---|
| Cost | 9.8HigherOrigination fee of 0 EUR, a monthly fee of €0 on the savings account and a minimum deposit of €0. | 8.5Premiums start at €9 with annual payment in view. |
| Offer | 9.6Higher | 8.8Travel focus with emergency cover at Emergency medical expenses EUR 500,000 - 2,500,000 for expats. |
| Trust | 8.6Higher | 8.5Broker entry under licence 21008038 with assisted support. |
Positions in our rankings
| Ranking | CHECK24 | HelloSafe (Atlas) |
|---|---|---|
| Insurance | 17 of 627 | 13 of 627 |
| Travel insurance | 9 of 278 | 6 of 278 |
Licences and countries
| Country | CHECK24 | HelloSafe (Atlas) |
|---|---|---|
| France | Not confirmed | ORIAS 21008038 |
| 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 |
Available in 2 countries for both. Additional countries for CHECK24: 1. Additional countries for HelloSafe (Atlas): 26.
If neither fits
bunq Spain has premium from at €0, against €0.69 for CHECK24 and €9 for HelloSafe (Atlas).
bunq Spain reviewSources behind this comparison
CHECK24
- check24.de: 10 facts, checked September 26, 2026
HelloSafe (Atlas)
- hellosafe.com: 8 facts, checked September 29, 2026
Every fact side by side
| Fact | CHECK24 | HelloSafe (Atlas) |
|---|---|---|
| Audience | Not confirmed | Expats |
| Pricing model | Monthly | Not confirmed |
| Legal entity | CHECK24 Vergleichsportal GmbH | Not confirmed |
| Headquarters | Germany | Not confirmed |
| Founded | 1999 | Not confirmed |
| Support channels | Chat, Email, Phone, Help centre | Not confirmed |
Loans
| Fact | CHECK24 | HelloSafe (Atlas) |
|---|---|---|
| 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 | HelloSafe (Atlas) |
|---|---|---|
| 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 | HelloSafe (Atlas) |
|---|---|---|
| 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 | HelloSafe (Atlas) | Median |
|---|---|---|---|
| Premium from | €0.69lowest quarter | €9above the median | €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
HelloSafe (Atlas)
Pros
- Emergency medical expenses at Emergency medical expenses EUR 500,000 - 2,500,000 give clear headroom for travel medical needs
- Premiums start at €9, which sits near the middle of travel premiums across the site
- Support across email, chat and phone gives choice for questions and claims while travelling
Cons
- Life cover is not among its travel, so households wanting life protection alongside travel need a second provider
- Home and motor cover are not among its travel, which keeps the range narrow for households wanting bundled policies
- HelloSafe acts as broker, so policy terms and claims depend on the partner insurer behind each plan
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
HelloSafe (Atlas)
Who it suits
- Expats seeking travel cover that is open to All ages, every nationality and arranged online
- Travellers who value emergency medical cover at Emergency medical expenses EUR 500,000 - 2,500,000 with support across email, chat and phone
Who should look elsewhere
- Households wanting life cover should look at Polizza Vita con Bonus, which focuses on life rather than travel
- Travellers seeking very low entry premiums could compare TravelSecure, which lists premiums starting at €5 against €9
Country by country
| Country | CHECK24 | HelloSafe (Atlas) |
|---|---|---|
| Austria | Yes | No |
| Brazil | No | Yes |
| Bulgaria | No | Yes |
| Canada | No | Yes |
| Croatia | No | Yes |
| Czechia | No | Yes |
| Denmark | No | Yes |
| Estonia | No | Yes |
8 of 29 countries where either is available.
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.
HelloSafe (Atlas)
What does HelloSafe travel insurance cost?+
Premiums start at €9 for HelloSafe travel cover. The exact amount you pay depends on destination, duration, age and selected medical limits. You should compare the entry premium against emergency cover and trip features before choosing.
Can I pay for HelloSafe cover monthly?+
Monthly payments are listed as unavailable for annual travel cover. That means you pay for the selected period in a lump sum at purchase. If spreading cost across the year matters, compare providers that allow monthly payments.
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