Updated September 28, 2026 · SumCue Editorial Team
CHECK24 vs Porto Seguro
CHECK24
Porto Seguro
Higher score in this comparison
What sets them apart
| Compare | CHECK24ReviewVisitVisit | Porto SeguroReviewSee alternativesSee alternatives |
|---|---|---|
| Premium from | €0.69 | R$19.90 |
| Insurance types | Auto, Home, Life, Health, Travel, Pet, Motorcycle, Dental, Income protection, GadgetCovers more | Auto, Home, Life, Health, Travel, Pet, Motorcycle, Gadget |
| Provider type | Comparison site | Insurer |
| Claims channels | CHECK24 Versicherungscenter online claim form, Insurer online claim form, Post | Mobile app, Whatsapp, Phone, Email |
| 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 | Policy holder over 18 for phone insurance (Seguro Celular) |
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
- Porto Seguro scores higher overall: 9.5 vs 9.3.
- CHECK24 is available in 2 more countries.
- Insurance types: only CHECK24 offers Dental, Income protection.
- Claims channels: only CHECK24 offers CHECK24 Versicherungscenter online claim form, Insurer online claim form, Post.
- Claims channels: only Porto Seguro offers Mobile app, Whatsapp, Phone.
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.
Porto Seguro
Porto Seguro suits Brazilian households who want one insurer plus a bank and a card in the same place, with premiums from BRL 19.90 and monthly payments available. Its credit card carries an annual fee of BRL 39 and its lending runs through its own bank, so costs sit alongside the cover.
Score breakdown
| Area | CHECK24 | Porto Seguro |
|---|---|---|
| Cost | 9.8HigherOrigination fee of 0 EUR, a monthly fee of €0 on the savings account and a minimum deposit of €0. | 9.3Premiums start at BRL 19.90, and the credit card adds an annual fee of BRL 39 with a currency conversion fee of 0%. |
| Offer | 9.6 | 9.7Higher |
| Trust | 8.6 | 9.5Higher |
Positions in our rankings
| Ranking | CHECK24 | Porto Seguro |
|---|---|---|
| Insurance | 17 of 627 | 74 of 627 |
| Life insurance | 5 of 238 | 29 of 238 |
| Health insurance | 6 of 200 | 24 of 200 |
| Car insurance | 5 of 279 | 31 of 279 |
| Home insurance | 5 of 258 | 30 of 258 |
| Travel insurance | 9 of 278 | 45 of 278 |
| Pet insurance | 4 of 157 | 15 of 157 |
Feature by feature
| Insurance types | CHECK24 | Porto Seguro |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | Yes |
| Life | Yes | Yes |
| Health | Yes | Yes |
| Travel | Yes | Yes |
| Pet | Yes | Yes |
| Motorcycle | Yes | Yes |
| Dental | Yes | No |
| Income protection | Yes | No |
| Gadget | Yes | Yes |
Which one suits you
Pick CHECK24 if cost and insurance types matter most.
Pick Porto Seguro if trust matter most.
What we checked
CHECK24
- check24.de: 10 facts, checked September 26, 2026
Porto Seguro
- portoseguro.com.br: 10 facts, checked September 26, 2026
Every fact side by side
| Fact | CHECK24 | Porto Seguro |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | CHECK24 Vergleichsportal GmbH | Porto Seguro Cia. de Seguros Gerais |
| Headquarters | Germany | Brazil |
| Founded | 1999 | Not confirmed |
| Support channels | Chat, Email, Phone, Help centre | Phone, Chat, Help centre, Email |
Loans
| Fact | CHECK24 | Porto Seguro |
|---|---|---|
| APR | 0.68% to 19.92% | Not confirmed |
| Loan amount | €500 to €150,000 | Not confirmed |
| Term | 12 to 240 monthsHigher | up to 60 months |
| 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 | Rewards |
| Rate type | Fixed | Not confirmed |
| Lender type | Broker | Direct lender |
| Free early repayment | Yes | Not confirmed |
| Loan types | Personal, Debt consolidation | Personal, Car, Secured, Business |
| Use cases | Home improvement | Not confirmed |
Savings
| Fact | CHECK24 | Porto Seguro |
|---|---|---|
| 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 | Porto Seguro |
|---|---|---|
| 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 |
Credit cards
| Fact | CHECK24 | Porto Seguro |
|---|---|---|
| Annual fee | Not confirmed | R$39 |
| Currency conversion fee | Not confirmed | 0% |
| Rewards type | Not confirmed | Points |
| Rewards rate | Not confirmed | 1.0 point per dollar spent (Gold); up to 3.5 points per dollar (Black and Infinite) |
| Perks | Not confirmed | IOF Zero on international purchases, Airport VIP lounge access, 6 free entries per year on Black and Infinite cards, Free toll tag, Shell Box fuel discount of up to BRL 0.15 per litre, Up to 15% off Seguro Auto, Points redeemable for airline miles from 20,000 points, First year of annual fee free on the first card, Annual fee instalment waived with monthly card spending of up to BRL 3,499.99 on Gold |
| Card kind | Not confirmed | Credit |
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
Porto Seguro
Pros
- One insurer covers auto, home and life in one place
- Monthly payments are available, so premiums can be spread
- Claims run through mobile app, whatsapp and phone, including WhatsApp and a mobile app
Cons
- The card's annual fee of BRL 39 applies alongside a first year free offer only on the first card
- Policy holders on phone insurance must be over a minimum age
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
Porto Seguro
Who it suits
- Households in Brazil who want auto, home, life, health, travel, pet, motorcycle and gadget cover from one insurer
- People who want monthly payments rather than a single annual premium
- Card customers who spend abroad and want points rather than cashback
Who should look elsewhere
- Anyone wanting a single-purpose savings account, where Linxea is the more focused option
- People outside Brazil, since the insurer and its bank are Brazilian
- Borrowers who want long fixed terms, as lending tops out at up to 60
Current offers
Porto Seguro
Current offer
Discount code
Seguro Viagem cupom VIAGEM35: 35% OFF with coupon VIAGEM35 plus 5% OFF paying with Cartão Porto Bank (up to 40% OFF)
Use coupon VIAGEM35 and pay with the Porto Bank credit card; see page conditions
Source, checked September 26, 2026
Discount code
Seguro Auto com ate 15% OFF no cartao Porto Bank: up to 15% OFF on Seguro Auto, payable in up to 12x without interest
Contract online with the Porto Bank credit card
Source, checked September 26, 2026
Discount code
Seguro Celular com ate 10% OFF: 5% for Porto clients plus 5% paying with the Cartão Porto (up to 10% OFF)
5% applies to Porto customers, 5% to payment with the Porto card; see page conditions
Source, checked September 26, 2026
Discount code
Petlove Saude desconto mensal com Cartão Porto Bank: 10% off the monthly fee with the Cartão Porto Bank (2% extra on annual Pix or boleto)
Monthly payment billed to the Cartão Porto Bank; annual option 10% off
Source, checked September 26, 2026
Bonus
Promocao Porto te leva ao GP 26: chance of a pair of tickets to the Formula 1 MSC Cruises Grande Premio de Sao Paulo 2026
Download the App Porto and register; promotion page maisbeneficios.portoseguro.com.br
Source, checked September 26, 2026
Country by country
| Country | CHECK24 | Porto Seguro |
|---|---|---|
| Austria | Yes | No |
| Brazil | 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.
Porto Seguro
What does Porto Seguro cover?+
It is an insurer covering auto, home, life, health, travel, pet, motorcycle and gadget policies, listed under auto, home and life. Cover sits with the group rather than a broker, so policies come direct from the insurer.
How much are premiums?+
Premiums start at BRL 19.90 on the entry plans, and monthly payments are available, so cover can be paid for across the year rather than in a single charge. The policies sit under auto, home and life.
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CHECK24
Porto Seguro