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Compare Financial Products
in Germany 2026
Loans, mortgages, bank accounts, credit cards. All in one place, in English. Free to compare, SCHUFA-neutral.
All Financial Products at a Glance
Pick a category and compare offers from German banks and providers
Loan Comparison
Compare personal loan offers from German banks. See your rate with a free, SCHUFA-neutral inquiry.
Construction Financing
Mortgage and construction loan comparison. Get an overview of current financing options for property in Germany.
Current Account Comparison
Find a current account (Girokonto) that works for you. Some banks offer accounts with no monthly fees.
Credit Card Comparison
Compare credit cards available in Germany. Options range from no-fee cards to travel rewards cards.
How Comparing Financial Products Works in Germany
If you have ever tried to read a German bank's website in English, you know it is not always straightforward. Most comparison tools are in German only. That is where checkalle.de comes in. We show you offers from German banks and lenders in English, so you can compare without needing to translate every line.
Here is the important part: when you see interest rates advertised by any bank or comparison site in Germany, pay attention to two numbers. The Sollzins (nominal rate) is just the base rate. The Effektivzins (effective annual rate) is what you actually pay, including all fees and extras. German law requires lenders to show the Effektivzins, and that is the number you should use when comparing.
One more thing worth knowing. Under the German Price Advertising Regulation (PAngV), any lender advertising a loan rate must also show the 2/3 Zins (two-thirds interest rate). This is the rate that at least two out of three approved customers actually receive. The advertised minimum rate? That is only for people with near-perfect credit. The 2/3 rate tells you what most people will realistically pay.
Pick a Category
Loans, mortgages, bank accounts, or credit cards. Choose what you need.
Enter Your Details
Amount, duration, or account preferences. Takes about two minutes.
Compare Offers
See rates and conditions side by side. Apply directly if something fits.
Financial Products as a Foreigner in Germany
Getting a loan or opening a bank account in Germany as a foreigner is not impossible, but it does come with a few extra steps that catch people off guard. Banks care about three things: your residence permit, your income stability, and your Schufa score (German: Schufa-Score).
If you are new to Germany, you probably do not have a Schufa history yet. That does not automatically disqualify you, but it limits your options. Some banks are more open to newcomers than others. Comparing loan offers for foreigners is worth doing because rates vary a lot between lenders, and some specialize in international customers.
For bank accounts, the situation is easier. Several German banks let you open an account online with just your passport and proof of address. You do not always need a Schufa check for a basic current account. Credit cards in Germany are also an option, though approval depends on your income and credit history.
Good to Know: Your Rights as a Borrower
In Germany, you have a 14-day cooling-off period after signing any consumer loan contract. You can cancel without giving a reason. If you repay a loan early, the bank may charge a prepayment penalty (Vorfaelligkeitsentschaedigung), but it is legally capped at 1% of the remaining balance, or 0.5% if less than 12 months remain.
Why Compare Financial Products Here
Everything in English
Most German comparison sites are, well, in German. We show you the same offers from the same banks, but in a language you can actually read. No guessing what "Restschuldversicherung" means while signing a contract.
No Cost, No Score Impact
Comparing is free and uses a SCHUFA-neutral inquiry. Your credit score stays untouched. Only an actual loan application gets recorded in your Schufa. Compare as often as you want.
Transparent About How We Work
We earn a commission if you sign up through one of the links on our site. That is how we keep the comparison free. The offers and rates you see come directly from the banks and lenders; we do not change them.
Frequently Asked Questions
Common questions about comparing financial products in Germany
Interest rates shown in comparison tools are indicative and depend on your personal credit profile. Under the German Price Advertising Regulation (PAngV), lenders are required to show a representative example including the two-thirds interest rate (2/3 Zins), which reflects the rate at least two thirds of approved customers receive. The minimum advertised rate applies only to customers with excellent creditworthiness.