Updated September 28, 2026 · SumCue Editorial Team
CHECK24 vs Nationwide
CHECK24
Higher score in this comparison
Nationwide
What sets them apart
| Compare | CHECK24ReviewVisitVisit | NationwideReviewVisitVisit |
|---|---|---|
| Premium from | €0.69 | $35 |
| Insurance types | Auto, Home, Life, Health, Travel, Pet, Motorcycle, Dental, Income protection, Gadget | Auto, Home, Renters, Life, Motorcycle, Pet |
| Provider type | Comparison site | Insurer |
| Cover limit | EUR 5 million to EUR 50 million, recommended at least EUR 10 million | USD 50,000 per bike (custom motorcycle insurance) |
| Claims channels | CHECK24 Versicherungscenter online claim form, Insurer online claim form, Post | Phone |
| Monthly payments | Not confirmed | Yes |
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 9.1.
- Founded is lower at Nationwide: 1925 vs 1999.
- CHECK24 is available in 2 more countries.
- Insurance types: only CHECK24 offers Health, Travel, Dental.
- Insurance types: only Nationwide offers Renters.
- Claims channels: only CHECK24 offers CHECK24 Versicherungscenter online claim form, Insurer online claim form, Post.
- Claims channels: only Nationwide offers Phone.
- Support channels: only CHECK24 offers Chat, Email.
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.
Nationwide
Nationwide is a US insurer selling auto, home, renters, life, motorcycle and pet cover, with premiums from $35 payable monthly. It suits households that want every policy type under a single long-standing provider, and it prices above the site median, so shoppers on a tight budget get a thinner field here.
Score breakdown
| Area | CHECK24 | Nationwide |
|---|---|---|
| Cost | 9.8HigherOrigination fee of 0 EUR, a monthly fee of €0 on the savings account and a minimum deposit of €0. | 8.8Premiums start at $35 on monthly payments, above the site median €8.31, and the brand ranks 192 of 251 on premium from. |
| Offer | 9.6Higher | 8.6 |
| Trust | 8.6 | 9.6Higher |
Feature by feature
| Insurance types | CHECK24 | Nationwide |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | Yes |
| Renters | No | Yes |
| Life | Yes | Yes |
| Health | Yes | No |
| Travel | Yes | No |
| Pet | Yes | Yes |
| Motorcycle | Yes | Yes |
| Dental | Yes | No |
| Income protection | Yes | No |
| Gadget | Yes | No |
Positions in our rankings
| Ranking | CHECK24 | Nationwide |
|---|---|---|
| Insurance | 17 of 627 | 33 of 627 |
| Life insurance | 5 of 238 | 12 of 238 |
| Car insurance | 5 of 279 | 14 of 279 |
| Home insurance | 5 of 258 | 13 of 258 |
| Pet insurance | 4 of 157 | 7 of 157 |
Availability and regulation
| Country | CHECK24 | Nationwide |
|---|---|---|
| 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 |
Additional countries for CHECK24: 3. Additional countries for Nationwide: 1.
Sources behind this comparison
CHECK24
- check24.de: 10 facts, checked September 26, 2026
Nationwide
- nationwide.com: 11 facts, checked September 26, 2026
Every fact side by side
| Fact | CHECK24 | Nationwide |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | CHECK24 Vergleichsportal GmbH | Nationwide Mutual Insurance Company |
| Headquarters | Germany | United States |
| Founded | 1999 | 1925Lower |
| Support channels | Chat, Email, Phone, Help centreCovers more | Phone, Help centre |
Loans
| Fact | CHECK24 | Nationwide |
|---|---|---|
| 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 | Nationwide |
|---|---|---|
| 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 | Nationwide |
|---|---|---|
| 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 |
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
Nationwide
Pros
- Cover spans auto, home, renters, life, motorcycle and pet (auto, home and renters), so a household can keep its policies with a single provider.
- Premiums can be paid monthly (monthly) instead of in one payment, which helps month to month cash flow.
- Support runs on phone and help centre, giving a phone line and an online help centre as listed routes to the insurer.
Cons
- Premiums from $35 sit above the site median €8.31, and the brand holds position 192 on premium from out of 251 brands ranked.
- Claims run on phone alone and support is limited to phone and help centre, so written and chat routes are not offered.
- The headline premium is quoted in US dollars ($35) by a US insurer, which adds a currency step for UK and European buyers.
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
Nationwide
Who it suits
- US households taking out several kinds of personal policy who want a single provider on the paperwork.
- Motorcycle owners after custom bike cover, where limits reach USD 50,000 per bike (custom motorcycle insurance).
- Pet owners who would rather add pet cover to an existing auto policy than shop it on its own.
Who should look elsewhere
- Linxea, at €25, sits closer to readers comparing euro savings products rather than US personal lines.
- bunq, with a premium from €0, suits readers who want euro everyday banking rather than policy cover.
Country by country
| Country | CHECK24 | Nationwide |
|---|---|---|
| Austria | Yes | No |
| Germany | Yes | No |
| Spain | Yes | No |
| United States | No | 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.
Nationwide
What can I insure with Nationwide?+
Nationwide lists auto, home, renters, life, motorcycle and pet (auto, home and renters), so most of a household's personal cover can sit with a single provider rather than a separate insurer for each line. Motorcycle cover is sold as its own line as well as a custom policy for individual bikes.
How much does Nationwide cost?+
Nationwide quotes premiums from $35 on its personal insurance lines. That figure sits above the site median of €8.31, and Nationwide sits at 192 on premium from among 251 brands ranked, so it is not the cheapest field here.
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