Updated September 28, 2026 · AssureCue Editorial Team
K&H Bank vs Oney Préstamos ES
Where K&H Bank and Oney Préstamos ES differ
| Compare |  K&H Bank |  Oney Préstamos ES |
|---|---|---|
| Premium from | HUF 409 | €1,000 |
| Insurance types | Auto, Home, Travel, Life | Health, Life, Gadget |
| Provider type | Insurer | Broker |
| Claims channels | Online, Email, Phone | Help centre |
| Monthly payments | Not confirmed | Yes |
| Cover limit | Not confirmed | Up to 45,000 EUR |
| Age range | Not confirmed | Of legal age only |
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Key differences
- K&H Bank scores higher overall: 9.5 vs 8.7.
- Insurance types: only K&H Bank offers Auto, Home, Travel.
- Insurance types: only Oney Préstamos ES offers Health, Gadget.
- Claims channels: only K&H Bank offers Online, Email, Phone.
- Claims channels: only Oney Préstamos ES offers Help centre.
- Support channels: only K&H Bank offers Email.
- Support channels: only Oney Préstamos ES offers Chat, Community.
Our verdict on each
K&H Bank
K&H Bank underwrites its own policies as an insurer, with auto, home, travel and life cover and a starting premium of HUF 409. It suits Hungarian households that want several policies from the same provider, and readers who prefer the insurer itself to a broker.
Oney Préstamos ES
Oney Préstamos ES is a Spanish broker offering health, life and gadget cover, with monthly payments and support by phone, chat, a help centre and a community, which suits readers who want protection in a single place. Its starting premium of €1,000 sits well above cheaper rivals such as Linxea at €25.
Score breakdown
| Area | K&H Bank | Oney Préstamos ES |
|---|---|---|
| Cost | 9.7Higher | 8.6 |
| Offer | 9.1Higher | 8.9 |
| Trust | 9.5Higher | 8.8 |
Where each is licensed and available
| Country | K&H Bank | Oney Préstamos ES |
|---|---|---|
| Spain | Not confirmed | Banco de España 8.814 |
Additional countries for K&H Bank: 1. Additional countries for Oney Préstamos ES: 1.
Where these facts come from
K&H Bank
- web.archive.org: 5 facts, checked September 26, 2026
- en.wikipedia.org: 2 facts, checked September 26, 2026
- hu.wikipedia.org: 1 fact, checked September 26, 2026
Oney Préstamos ES
- oney.es: 11 facts, checked September 26, 2026
Every fact side by side
| Fact | K&H Bank | Oney Préstamos ES |
|---|---|---|
| Pricing model | Not confirmed | Monthly |
| Legal entity | K&H Bank Zrt. | Oney Servicios Financieros E.F.C., S.A.U |
| Headquarters | Hungary | Spain |
| Founded | 1987 | Not confirmed |
| Support channels | Phone, Email, Help centre | Phone, Chat, Help centre, Community |
Pros and cons
K&H Bank
Pros
- Underwrites as an insurer rather than a broker, so auto, home and travel cover comes from the same provider.
- Claims can be opened on online, email and phone, so you are not tied to a single route.
- Support runs on phone, email and help centre, with a help centre as well as phone and email.
Cons
- Cover stops at auto, home and travel, so health, pet and motorcycle policies need another provider.
- Support runs on phone, email and help centre only, with no live chat listed.
- The starting premium of HUF 409 places it at 35 of 252 brands on price, well away from the low end.
Oney Préstamos ES
Pros
- Monthly payments are available, so the premium is spread across the year rather than settled in a single sum.
- Support runs on phone, chat and help centre, so phone and chat sit alongside a help centre and a community.
- The firm is named and supervised: Oney Servicios Financieros E.F.C., S.A.U holds a Banco de España authorisation, 8.814.
Cons
- The starting premium of €1,000 sits well above €25 at Linxea, so price on its own points elsewhere.
- The range is health, life and gadget, narrower than auto, home and renters at Good Sam Insurance Agency.
- Claims run through help centre only, so a claim is handled in the help centre rather than on a claims line.
Who each suits
K&H Bank
Who it suits
- Households in HU that want auto, home, travel and life policies from the same insurer.
- People who would rather deal with the insurer directly, since K&H Bank is an insurer and not a broker.
- Existing banking customers of K&H Bank Zrt. who prefer their money and their policies to sit with the same institution.
Who should look elsewhere
- Anyone after health, pet or motorcycle cover: Good Sam Insurance Agency lists auto, home and renters.
- Price-led shoppers at the low end: bunq quotes a premium from €0.
- Readers who want a far higher entry point in local terms: Euroasia Insurance lists UZS 60,000.
Oney Préstamos ES
Who it suits
- People in Spain who meet the age rule, Of legal age only, and want a health or life policy billed monthly.
- Readers who value a real support desk, given phone, chat and help centre covers phone and chat as well as the help centre.
- Holders of an exposure that fits inside Up to 45,000 EUR and who can live with the health, life and gadget range.
Who should look elsewhere
- Shoppers on a tight budget: Linxea starts at €25 and bonus.ch lists CHF 0 at the other end.
- Readers wanting a wide set of policies gathered in one place: Good Sam Insurance Agency lists auto, home and renters against Oney's health, life and gadget.
- Anyone insuring something large: cover stops at Up to 45,000 EUR.
Current offers
K&H Bank
Current offer
Discount code
Mandatory third-party motor insurance (kötelező biztosítás) online discount: up to 30%
Shown on the insurance page calculator; quote 'kötelező biztosítás akár 30% kedvezménnyel!'
Source, checked September 26, 2026
Discount code
K&H home insurance (lakásbiztosítás) online discount: up to 60%
Online purchase, home or house plus contents cover; quote 'K&H lakásbiztosítás akár 60% kedvezménnyel online!'
Source, checked September 26, 2026
Discount code
Casco discount for annual premium payment: 10%
Casco motor insurance when paid annually; quote '10% kedvezmény éves díjfizetés esetén'
Source, checked September 26, 2026
Discount code
K&H travel insurance premium discounts: 30% child, 10% family, 10% group
30% for under-18s travelling with an adult; additional 10% for 1-5 children with 1-3 adults; 10% per person for groups of 10+ for up to 30 days; group discount cannot be combined with family or child discount
Source, checked September 26, 2026
Oney Préstamos ES
Current offer
Bonus
Ahorrar es fácil - reimbursement on Alcampo card purchases: Up to 100 EUR per year
Plan "Ahorrar es fácil", only for purchases paid with the Oney Alcampo card in Alcampo centres
Source, checked September 26, 2026
Country by country
| Country | K&H Bank | Oney Préstamos ES |
|---|---|---|
| Hungary | Yes | No |
| Spain | No | Yes |
Questions about each
K&H Bank
What does the cover start at?+
The entry point is HUF 409. On this comparison that price ranks at position 35 of the 252 brands ranked on premium from, so treat K&H Bank as a mid-range starting price rather than a budget price. Your own quote depends on the policy you pick.
What kinds of insurance does it sell?+
K&H Bank sells auto, home and travel cover, which is the bulk of what most households need from a personal insurer. Health, pet and motorcycle policies sit outside that range, so those would need a different provider.
Oney Préstamos ES
How much does cover start at?+
Cover starts at a premium of €1,000, and monthly payments are available, so the charge is spread rather than settled upfront. Linxea lists €25 as its starting point and bonus.ch lists CHF 0, so Oney sits well above the cheaper end of the market on the entry figure.
Is Oney Préstamos ES regulated?+
The operation sits with Oney Servicios Financieros E.F.C., S.A.U, a broker registered in Spain, and it is authorised by Banco de España under 8.814. The authorisation means the firm answers to a named supervisor in Spain, although it arranges policies rather than writing the risk itself, since it is a broker.