“Can Germany's largest price comparison portal convert its comparison-shopping customers into direct banking relationships?”
CHECK24 built Germany's leading price comparison portal starting in 1999, expanding across insurance, energy, finance, telecom, and travel. In 2019 it spun up C24 Bank GmbH as a BaFin-regulated digital bank, launched in 2020 with Mambu as core banking platform. The bank is a vertical extension of the CHECK24 ecosystem — leveraging the comparison portal's customer base to distribute checking accounts, debit cards, loans, and savings products.
CHECK24 Bank discloses C24 Bank GmbH (in-house) as its banking provider, according to the Embedded Finance Index 2026.
CHECK24 Bank does not disclose a bank charter of its own; its banking services are provided through C24 Bank GmbH (in-house).
CHECK24 Bank moves money over SEPA Instant and SEPA.
CHECK24 Bank's cards are issued through C24 Bank GmbH (in-house) on the Mastercard network.
CHECK24 Bank's lending and capital products are provided by C24 Bank GmbH (in-house).
CHECK24 Bank runs its ledger on Mambu.
The Embedded Finance Index 2026 maps 6 layers in CHECK24 Bank's stack: Money movement (SEPA Instant and SEPA); Banking / BaaS (C24 Bank GmbH (in-house)); Card issuing (C24 Bank GmbH (in-house)); Card network (Mastercard); Ledger (Mambu); Lending (C24 Bank GmbH (in-house), C24 Bank consumer loans and Ratenkredite (via PROCHECK24 brokerage)).
CHECK24 Bank is founded in 2019 and headquartered in Frankfurt, Germany.
Get a read on where your own stack stands against CHECK24 Bank and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.