Updated September 29, 2026 · SumCue Editorial Team
Compass vs HelloSafe (Atlas)
Compass
Higher score in this comparison
HelloSafe (Atlas)
Compass vs HelloSafe (Atlas): the differences
| Compare | CompassReviewVisitVisit | HelloSafe (Atlas)ReviewVisitVisit |
|---|---|---|
| Insurance types | Home, Home emergency, Health, Travel, PetCovers more | Travel |
| Monthly payments | YesHas it | No |
| Claims channels | Phone, Email, Online portal, Post | Phone, Email, Chat |
| Age range | 18+ (resident in Italy) | All ages, every nationality |
| Premium from | Not confirmed | €9 |
| Cover limit | Not confirmed | Emergency medical expenses EUR 500,000 - 2,500,000 |
Same on both: Provider type (Broker).
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
- Compass scores higher overall: 9.4 vs 8.6.
- HelloSafe (Atlas) is available in 27 more countries.
- Monthly payments: only Compass.
- Insurance types: only Compass offers Home, Home emergency, Health.
- Claims channels: only Compass offers Online portal, Post.
- Claims channels: only HelloSafe (Atlas) offers Chat.
Our verdict on each
Compass
Compass is a bank-direct lender for Italian residents, and it is a poor fit for you if you need to check rates without a hard credit check. hard stands, and 7.38% to 15.84% sits well under the 15.5% typical of the wider market, with free early repayment on every loan.
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 | Compass | HelloSafe (Atlas) |
|---|---|---|
| Cost | 9.2Higher | 8.5Premiums start at €9 with annual payment in view. |
| Offer | 9.2HigherFixed-rate loans of €1,000 to €30,000 over 24 to 96, with 0 EUR for online loans from 1,000 to 5,000 EUR for online loans. | 8.8Travel focus with emergency cover at Emergency medical expenses EUR 500,000 - 2,500,000 for expats. |
| Trust | 9.6Higher | 8.5Broker entry under licence 21008038 with assisted support. |
Availability and regulation
| Country | Compass | HelloSafe (Atlas) |
|---|---|---|
| France | Not confirmed | ORIAS 21008038 |
| Italy | Banca d'Italia Albo dei Gruppi Bancari n. 1030 (Gruppo Bancario Monte dei Paschi di Siena) IVASS RUI D000203141 sez. D | Not confirmed |
Available in 1 country for both. Additional countries for HelloSafe (Atlas): 27.
How they place
| Ranking | Compass | HelloSafe (Atlas) |
|---|---|---|
| Insurance | 14 of 627 | 13 of 627 |
| Travel insurance | 7 of 278 | 6 of 278 |
Every fact side by side
| Fact | Compass | HelloSafe (Atlas) |
|---|---|---|
| Audience | Not confirmed | Expats |
| Pricing model | Fixed rate | Not confirmed |
| Legal entity | Compass Banca S.p.A. | Not confirmed |
| Headquarters | Italy | Not confirmed |
| Founded | 1960 | Not confirmed |
| Support channels | Phone, Help centre | Not confirmed |
Credit cards
| Fact | Compass | HelloSafe (Atlas) |
|---|---|---|
| Annual fee | €0 | Not confirmed |
| APR | 7.38% to 15.84% | Not confirmed |
| Rewards type | Cashback | Not confirmed |
| Features | Same day funding | Not confirmed |
| Rewards rate | Cashback Base on spending above a minimum threshold | Not confirmed |
| Perks | No annual fee, Stamp duty paid by Compass, Paper and digital statement at EUR 0, Initial credit line of EUR 1,500, Issued and activated directly in branch, Visa circuit with contactless and 3D Secure, Apple Pay and Google Pay, Free SMS transaction alerts, Free 24/7 card blocking number | Not confirmed |
| Card kind | Credit | Not confirmed |
Where each stands against the rest
| Fact | Compass | HelloSafe (Atlas) | Median |
|---|---|---|---|
| Premium from | Not confirmed | €9above the median | €6.02 |
Median across 116 listed providers.
Pros and cons
Compass
Pros
- 0 EUR for online loans from 1,000 to 5,000 EUR for online loans of €1,000 to €30,000
- same day funding is listed, and existing app customers get a fast decision
- Free early repayment is offered, as 79.4% of the market does
Cons
- hard means applying can leave a mark on the credit file
- phone and help centre are listed, so there is no live chat on the loan side
- 7.38% to 15.84% tops out at more than twice the 7.85% low end seen across the market
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
Compass
Who it suits
- Italian residents in their adulthoods looking for fixed rate pricing
- People consolidating existing debts, since personal and debt consolidation are listed
- Branch customers who also want a credit card with €0
Who should look elsewhere
- Anyone who wants a soft check, because hard
- Borrowers outside Italy, since Italian or foreign citizen aged 18 to 82, resident in Italy requires residence in Italy
- Those who want live chat, because phone and help centre cover phone and a help centre only
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
Current offers
Compass
Current offer
Bonus
Spese di istruttoria azzerate (Prestito Online): 0 EUR origination fee on online loans from 1,000 to 5,000 EUR
Perfezionamento via web della richiesta di Prestito Online; offer validity dates not displayed on the page
Source, checked September 26, 2026
Country by country
| Country | Compass | HelloSafe (Atlas) |
|---|---|---|
| Brazil | No | Yes |
| Bulgaria | No | Yes |
| Canada | No | Yes |
| Croatia | No | Yes |
| Czechia | No | Yes |
| Denmark | No | Yes |
| Estonia | No | Yes |
| Finland | No | Yes |
8 of 28 countries where either is available.
Questions about each
Compass
What rate will I pay on a Compass personal loan?+
Loans are fixed rate at an APR of 7.38% to 15.84%, and the rate you get depends on your profile. The example on file shows 7.38% to 15.84% against a fixed nominal rate, with equal monthly instalments across the term. Early repayment is free, so paying the loan off sooner costs nothing extra.
Is there an arrangement fee on a Compass loan?+
Online loans carry 0 EUR for online loans from 1,000 to 5,000 EUR. Larger amounts may be handled as a branch arrangement, where the fee is quoted separately on the offer. The credit card is a different product and its €0 is separate again.
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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