Updated September 28, 2026 · SumCue Editorial Team
CHECK24 vs ICICI Bank
CHECK24
Higher score in this comparison
ICICI Bank
What sets them apart
| Compare | CHECK24ReviewVisitVisit | ICICI BankReviewVisitVisit |
|---|---|---|
| APR | 0.68% to 19.92%Lower | 9.99% to 16.5% |
| Loan amount | €500 to €150,000 | ₹50,000 to ₹5,000,000 |
| Term | 12 to 240 monthsHigher | 12 to 72 months |
| Arrangement fee | 0 EUR | Up to 2% of loan amount plus taxes (Personal Loan processing charge) |
| Credit check | Soft prequal | Hard |
| Funding time | as little as 3 minutes at some banks, same day | Instant disbursement |
| Rate type | Fixed | Variable |
| Lender type | Broker | Direct lender |
| Free early repayment | YesHas it | No |
| 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 |
| Eligibility | Not confirmed | Indian citizens aged 18-58 years; salaried minimum monthly income 30,000 rupees |
| Origination fee (%) | Not confirmed | 2% |
| Credit needed | Not confirmed | Good |
Same on both: Loan types (Personal, Debt consolidation), Use cases (Home improvement).
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 8.9.
- Founded is lower at ICICI Bank: 1994 vs 1999.
- CHECK24 is available in 2 more countries.
- APR is lower at CHECK24: 0.68% to 19.92% vs 9.99% to 16.5%.
- Free early repayment: only CHECK24.
- Term is higher at CHECK24: 12 to 240 months vs 12 to 72 months.
- Support channels: only CHECK24 offers Email.
- Pricing model: only CHECK24 offers Monthly.
- Pricing model: only ICICI Bank offers Fixed rate.
- Features: only CHECK24 offers Same day funding.
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.
ICICI Bank
ICICI Bank is a full-service Indian bank covering saving, spending and borrowing, so it suits customers who want one provider. The savings account pays 2.5% on a variable rate, with easy access to cash, bill payments and transfers by UPI, IMPS, NEFT and RTGS, and personal loans disburse instantly.
Score breakdown
| Area | CHECK24 | ICICI Bank |
|---|---|---|
| Cost | 9.8HigherOrigination fee of 0 EUR, a monthly fee of €0 on the savings account and a minimum deposit of €0. | 8.6Card costs weigh heavy: an annual fee of INR 3,500 on the Sapphiro card, and personal loan rates of 9.99% to 16.5%. |
| Offer | 9.6Higher | 9.4 |
| Trust | 8.6 | 9.0Higher |
Which one suits you
Pick CHECK24 if cost, apr, term, and free early repayment matter most.
Pick ICICI Bank if trust matter most.
Where they rank in our lists
| Ranking | CHECK24 | ICICI Bank |
|---|---|---|
| Loans | 88 of 2043 | 124 of 2043 |
| Personal loans | 74 of 1317 | 104 of 1317 |
| Mortgages | 8 of 853 | 13 of 853 |
What each covers
| Loan types | CHECK24 | ICICI Bank |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | Yes | Yes |
| Use cases | CHECK24 | ICICI Bank |
|---|---|---|
| Home improvement | Yes | Yes |
Where these facts come from
CHECK24
- kredit.check24.de: 10 facts, checked September 26, 2026
- check24.de: 8 facts, checked September 26, 2026
ICICI Bank
- icici.bank.in: 20 facts, checked September 26, 2026
Every fact side by side
| Fact | CHECK24 | ICICI Bank |
|---|---|---|
| Pricing model | Monthly | Fixed rate |
| Features | Same day funding | Rewards |
| Legal entity | CHECK24 Vergleichsportal GmbH | ICICI Bank Ltd. |
| Headquarters | Germany | India |
| Founded | 1999 | 1994Lower |
| Support channels | Chat, Email, Phone, Help centreCovers more | Phone, Help centre, Chat |
Savings
| Fact | CHECK24 | ICICI Bank |
|---|---|---|
| Headline rate | 3.82%Higher | 2.5% |
| Minimum deposit | €0 | ₹2,500 to ₹15,000 |
| Access terms | Daily-access savings (Tagesgeld), no notice period, cancel at any time | Easy access to funds: cash withdrawals, utility bill payments and online fund transfers through UPI, IMPS, NEFT and RTGS |
| Monthly fee | €0 | Not confirmed |
| Account kind | Easy access | Easy access |
Mortgages
| Fact | CHECK24 | ICICI Bank |
|---|---|---|
| Initial rate | 3.43%Lower | 7.55% |
| APRC | 3.5% | Not confirmed |
| Fixed period | 10 years | Not confirmed |
| Maximum loan to value | 66% | 80% to 90%Higher |
| Purpose | Purchase, Remortgage | Purchase, Remortgage |
Credit cards
| Fact | CHECK24 | ICICI Bank |
|---|---|---|
| Annual fee | Not confirmed | ₹3,500 |
| Currency conversion fee | Not confirmed | 3.5% |
| Rewards type | Not confirmed | Points |
| Rewards rate | Not confirmed | 4 points per INR 100 international spend, 2 points per INR 100 domestic spend, 1 point per INR 100 utility and insurance spend |
| Perks | Not confirmed | Welcome vouchers worth over INR 13,000 from Tata CLiQ, EaseMyTrip, Da Milano, Croma and EazyDiner, 2 complimentary international and 4 domestic airport lounge visits, Up to 4 complimentary golf rounds per month, 24/7 concierge service (i Assist), Air accident insurance cover up to INR 3 crore, 1% fuel surcharge waiver on fuel transactions up to INR 4,000, BookMyShow movie offers, up to INR 500 off the second ticket |
| Card kind | Not confirmed | Credit |
Where each stands against the rest
| Fact | CHECK24 | ICICI Bank | Median |
|---|---|---|---|
| APR | 0.68% to 19.92%lowest quarter | 9.99% to 16.5%at the median | 9.99 |
| Term | 12 to 240 monthshighest quarter | 12 to 72 monthsabove the median | 60 |
| Origination fee (%) | Not confirmed | 2%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
ICICI Bank
Pros
- Personal loans disburse with Instant disbursement, on amounts of INR 50,000 to INR 5,000,000 over terms of 12 to 72.
- The savings account is easy access, taking a minimum deposit of INR 2,500 to INR 15,000.
- The card pays points on spending, with lounge visits, golf rounds, concierge help and welcome vouchers added.
Cons
- Foreign spend on the card carries a currency conversion fee of 3.5%.
- Personal loan applications run a hard credit check, and good credit is the bar.
- Free early repayment is not offered, so settling a personal loan early carries a charge.
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
ICICI Bank
Who it suits
- Salaried Indian citizens of adult age who want savings, a card and loans from one bank.
- Savers comfortable with a variable savings rate and borrowers happy with a fixed rate loan.
- Cardholders who want a credit card with lounge, golf and concierge perks on top of points.
Who should look elsewhere
- wise, if a card with no annual fee matters most, since its annual fee is £0.
- bunq, if you would rather hold a euro account with an annual fee of €0 on the card.
- Varo Believe Secured Credit Card, if a secured card with an annual fee of $0 is the better fit.
Current offers
ICICI Bank
Current offer
Bonus
Sapphiro Credit Card welcome vouchers: Vouchers worth over INR 13,000
Upon payment of the joining fee of INR 6,500 + GST; vouchers worth INR 3,000 from Tata CLiQ, INR 4,000 from EaseMyTrip, INR 5,000 from Da Milano, INR 1,500 from Croma and an EazyDiner Prime Membership worth INR 1,095; issued within 45 business days
Source, checked September 26, 2026
Discount code
BookMyShow buy one get one movie offer on Sapphiro Credit Card: Up to INR 500 off the second ticket
From Apr 1, 2026 requires spending INR 25,000 or more on the Sapphiro Credit Card in the preceding spends quarter; one movie offer per month per card variant for dual-network cards
Source, checked September 26, 2026
Bonus
Sapphiro Credit Card milestone reward points: 4,000 reward points on INR 4 lakh annual spend, plus 2,000 points per additional INR 1 lakh, up to 20,000 points
Awarded in an anniversary year on qualifying annual spend
Source, checked September 26, 2026
Country by country
| Country | CHECK24 | ICICI Bank |
|---|---|---|
| Austria | Yes | No |
| Germany | Yes | No |
| India | 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.
ICICI Bank
What does the card cost to hold each year?+
The annual fee on the card is INR 3,500, which sits above cards that charge nothing. Foreign currency transactions add a conversion fee of 3.5% on top. It is a credit card, so balances are meant to be cleared in full rather than carried.
What rewards does the card pay?+
Rewards come as points, earning more on international spend than on domestic, utility and insurance purchases. The credit card also carries welcome vouchers with travel, dining and retail partners, lounge visits, golf rounds, a round the clock concierge service, air accident cover and a fuel surcharge waiver.
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