Compare Tariffs in Germany in Your Language
meinetarife24.de is a free comparison portal for electricity, gas, insurance, loans, credit cards and internet in Germany. We help you find the right tariff in English, German and Turkish – independent and transparent.
Our comparison tools come from Tarifcheck and CHECK24, each with the partner's current provider lineup per product. Depending on the product, you can save anywhere from 10 EUR a month to several hundred EUR a year.
Key Points at a Glance
| What you can compare | How much you can save | Time needed |
|---|---|---|
| Loans and mortgages | Hundreds of EUR in interest possible | 2 min. |
| Car insurance | Several hundred EUR per year possible | 2 min. |
| Credit cards | 0 EUR annual fee possible | 2 min. |
| Health insurance (PKV) | Premiums vary a lot by age, health, and coverage level | 3 min. |
| Electricity and gas | Often several hundred EUR per year possible | 2 min. |
| Internet and mobile | 10-30 EUR per month possible | 2 min. |
Last updated: 16 July 2026 · meinetarife24 Editorial Team. Actual savings depend on your situation and location.
Loans and Credit in Germany
Finding a good loan in Germany isn't complicated once you know where to look. Interest rates vary a lot between banks, and even a small difference in the APR can add up to hundreds of EUR over the life of a loan.
If you're new to Germany, you probably don't have a Schufa score yet. Schufa is Germany's credit reporting system, and most banks check it before approving a loan. But some lenders work with applicants who have no credit history here. Our comparison shows you which banks are open to newcomers.
Whether you need a personal loan, a car loan, or a mortgage, start by comparing rates. It's free and takes 2 minutes.
Car Insurance
You can't register a car in Germany without liability insurance; that's required by law (§1 PflVG). Prices differ a lot between providers, though: according to the Verbraucherzentrale (Germany's consumer advice centres), cheap and expensive tariffs are often several hundred EUR apart per year (as of October 2025).
To get quotes, you enter your car details, your address, and a few things about your driving history. In about 2 minutes, you'll see offers for liability, partial coverage (Teilkasko), and full coverage (Vollkasko). If you decide to switch, the new insurer usually handles the paperwork for you.
New to Germany? You'll likely start with no claims class SF 0 or SF 1/2, which means higher premiums at first. Comparing is the fastest way to find a reasonable price.
Credit Cards
A credit card isn't strictly necessary in Germany (debit cards work almost everywhere), but it helps for online shopping, travel bookings, and building a payment history. Several banks offer cards with no annual fee, Apple Pay support, and even cashback.
Insurance for Your Life in Germany
Germany has both mandatory and optional insurance. The most common types:
- Health insurance: Required by law. You're either in the public system (GKV) or the private system (PKV). Which one applies depends on your income and visa type.
- Liability insurance (Haftpflicht): Covers damage you cause to others. Good policies start at around 20 to 50 EUR a year according to Finanztip, and German consumer advocates consider it essential.
- Legal protection (Rechtsschutz): Covers legal costs if you have a dispute with your landlord, employer, or an authority. Especially useful when you're still learning how things work.
- Household contents (Hausrat): Protects your belongings against theft, fire, and water damage.
Electricity, Gas, and Internet
When you move into an apartment in Germany, you're automatically on the local default energy tariff (Grundversorgung). It works, but it's usually more expensive than it needs to be. Switching often saves a three-digit amount per year: in one Verbraucherzentrale example (November 2024), a family saves around 300 to 400 EUR a year on electricity alone, and gas savings can be higher depending on usage.
The same goes for internet (DSL) and mobile plans. Prices vary by region, speed, and contract length. Comparing takes a couple of minutes.
Why meinetarife24?
Three languages
Our comparisons and guides are available in English, German, and Turkish. You don't have to rely on German-only forms.
Always free
Every comparison is free. We earn a commission when you sign a contract through our tool. The prices you see are not affected.
Real providers, real prices
Our comparison tools are powered by Tarifcheck and CHECK24. You'll see offers from Allianz, DEVK, AXA, and more. Which providers appear depends on the comparison partner and your details.
Built for newcomers
We explain how the German insurance and finance system works, step by step. No prior knowledge required.
GDPR compliant
Your data is encrypted and processed according to German data protection standards.
Also in German and Turkish
Many expats and international students don't speak fluent German yet. That's why meinetarife24.de is available in three languages. Turkish is the most common non-German household language in Germany, spoken mainly at home by around 2.2 million people (Destatis Mikrozensus 2023). We're among the very few comparison portals offering full Turkish content for them.
How the Comparison Works
Pick a category
What do you need? A loan, insurance, electricity, gas, or internet?
Enter your details
A few basics like your postcode, usage, or vehicle info. Takes 1-2 minutes.
See your results
You'll get offers from different providers, sorted by price and coverage.
Switch or sign up
If something looks good, sign up directly. The new provider usually handles the switch.
Frequently Asked Questions
Partnership and Transparency
Advertising disclosure (Werbehinweis): meinetarife24.de works with Tarifcheck and CHECK24. Both partners are established German comparison providers and supply the comparison tools for electricity, gas, insurance, and loans.
Our methodology and sources: comparison data comes from our partners Tarifcheck and CHECK24. Savings examples on this page reference publications by the Verbraucherzentrale, Finanztip, and Destatis (as of July 2026).
When you sign a contract through our comparison tools, we receive a commission. Providers set their own prices and conditions; the results you see are not affected by the commission.