Updated September 29, 2026 · SumCue Editorial Team
CHECK24 vs Linxea
CHECK24
Higher score in this comparison
Linxea
Where CHECK24 and Linxea differ
| Compare | CHECK24ReviewVisitVisit | LinxeaReviewVisitVisit |
|---|---|---|
| Premium from | €0.69Lower | €25 |
| Insurance types | Auto, Home, Life, Health, Travel, Pet, Motorcycle, Dental, Income protection, GadgetCovers more | Life |
| Provider type | Comparison site | Broker |
| Claims channels | CHECK24 Versicherungscenter online claim form, Insurer online claim form, Post | Phone, Email, Post |
| 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+ |
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 8.7.
- CHECK24 is available in 2 more countries.
- Premium from is lower at CHECK24: €0.69 vs €25.
- Insurance types: only CHECK24 offers Auto, Home, Health.
- Claims channels: only CHECK24 offers CHECK24 Versicherungscenter online claim form, Insurer online claim form.
- Claims channels: only Linxea offers Phone, Email.
- Pricing model: only CHECK24 offers Monthly.
- Pricing model: only Linxea offers Low fees.
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.
Linxea
Linxea suits expats in France seeking life cover linked to funds and bonds with easy access and variable returns. Opening asks €100 with 0% entry fee on Linxea Avenir 2, headline at 3% and cover at EU ICS up to EUR 20,000 with online management.
Score breakdown
| Area | CHECK24 | Linxea |
|---|---|---|
| Cost | 9.8HigherOrigination fee of 0 EUR, a monthly fee of €0 on the savings account and a minimum deposit of €0. | 8.4Monthly cost stays at €0 with 0% entry fee on Linxea Avenir 2 keeping entry light |
| Offer | 9.6Higher | 8.9Life cover linked to funds and bonds with variable pricing at 3% |
| Trust | 8.6 | 8.8HigherOversight by ORIAS with cover at EU ICS up to EUR 20,000 stated |
If neither fits
bunq Spain has premium from at €0, against €0.69 for CHECK24 and €25 for Linxea.
bunq Spain reviewHow they place
| Ranking | CHECK24 | Linxea |
|---|---|---|
| Insurance | 17 of 627 | 7 of 627 |
| Life insurance | 5 of 238 | 3 of 238 |
Every fact side by side
| Fact | CHECK24 | Linxea |
|---|---|---|
| Audience | Not confirmed | Expats |
| Pricing model | Monthly | Low fees |
| 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 | Linxea |
|---|---|---|
| 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 | Variable |
| 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 | Linxea |
|---|---|---|
| Headline rate | 3.82%Higher | 3% |
| Minimum deposit | €0Lower | €100 |
| Deposit protection | Not confirmed | EU DGS up to EUR 100,000 |
| Access terms | Daily-access savings (Tagesgeld), no notice period, cancel at any time | Redemption from 100 EUR; euro fund capital 99.4% guaranteed; subscription and management 100% online |
| Monthly fee | €0 | €0 |
| Account kind | Easy access | Easy access |
| Regulators | Not confirmed | ORIAS |
Mortgages
| Fact | CHECK24 | Linxea |
|---|---|---|
| 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 | Linxea | Median |
|---|---|---|---|
| Premium from | €0.69lowest quarter | €25highest quarter | €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
Linxea
Pros
- Entry premiums from €25 with monthly payments supported for gradual saving
- Ongoing account cost at €0 with 0% entry fee on Linxea Avenir 2 on Linxea Avenir cover
- Easy access structure via easy access linked to variable pricing at 3%
Cons
- Starting deposit of €100 sits above free entry at XTB at €0
- Stocks are not among its markets (funds and bonds), while DKB covers stocks, ETFs and bonds
- Cover centres on life life policies, which limits choice if you want health or travel add ons
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
Linxea
Who it suits
- Expats in France seeking life savings over XTB if insurance structure matters more than trading
- Cost aware savers choosing Linxea over DKB if low entry fees matter more than equity breadth
Who should look elsewhere
- Traders wanting stocks and ETFs should consider DKB for broader market breadth beyond funds and bonds
- Savers wanting free entry should consider XTB given Linxea asks €100 to open
Current offers
Linxea
Current offer
Bonus
100 EUR offerts ouverture Linxea Spirit 2 enfant mineur: 100 EUR
ouverture d'un contrat Linxea Spirit 2 pour enfant mineur
Source, checked September 26, 2026
Country by country
| Country | CHECK24 | Linxea |
|---|---|---|
| Austria | Yes | No |
| France | No | Yes |
| 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.
Linxea
What does it cost to start and top up Linxea cover?+
You can open Linxea Avenir cover from €100 and add premiums from €25, with monthly payments supported. Management stays online, which helps you build savings gradually. Support across phone, help centre and community can guide you on scheduled payments and redemption options.
How does the headline rate work?+
Linxea lists a headline rate of 3% on a variable basis for relevant savings. Rates can move over time, so returns may vary across periods. You should view the rate alongside fund choice and euro fund terms before deciding if the structure fits your plans for flexible savings.
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