CHECK24 Business Account Comparison Criticized Over Credit Card Methodology
The financial comparison portal CHECK24 faces scrutiny regarding its business account category after ranking corporate card and expense management products above traditional bank accounts.
Scoring Logic Favoring Consumer Features
CHECK24 evaluates financial products using a point system that allocates 18 points for lacking an annual fee, 15 points for worldwide fee-free payments, and 15 points for fee-free cash withdrawals worldwide. The rubric also grants 11 points if a product does not require a traditional checking account (Girokonto), while requiring one results in zero points for that specific criterion.
While this logic aligns with individual consumers seeking a standalone credit card without switching banks, it creates structural anomalies for a business account (Geschäftskonto) comparison. Users searching for a business account specifically intend to open a primary commercial banking relationship. Consequently, the scoring mechanism rewards products for lacking a feature—a dedicated bank account—that forms the core requirement of the search intent.
Top-Ranked Product Lacks Business Account Status
The methodological outcome becomes apparent at the top of the current rankings. CHECK24 places the Moss corporate credit card in the number one position for business accounts, despite product details explicitly stating that no traditional account is included.
Moss positions its platform as a corporate card and expense management solution designed to help businesses track and control employee spending. While companies utilize these tools for financial management, the product functions differently from a classic business bank account equipped with an IBAN for general commercial operations. This places a product that the platform itself classifies as a non-account at the top of a dedicated business account comparison list.
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