Updated September 29, 2026 · AffCue Editorial Team
Hannoversche vs Kontist by Shine
Facts checked September 26, 2026.
Facts checked September 26, 2026.
Hannoversche vs Kontist by Shine: the differences
| Compare |  Hannoversche |  Kontist by Shine |
|---|---|---|
| Commission terms | up to 225 EUR per sale | EUR60 Duo, EUR50 Premium, EUR40 Free per sale |
| Networks | Tellja | Impact |
| Payout per sale or signup | €225Higher | €60 |
| Verticals | Insurance | Banking |
| Recurring commission | No | Not confirmed |
| Payout methods | Bank transfer, Paypal, Gift card | Not confirmed |
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Key differences
- Payout per sale or signup is higher at Hannoversche: €225 vs €60.
- Support channels: only Kontist by Shine offers Chat, Help centre.
- Networks: only Hannoversche offers Tellja.
- Networks: only Kontist by Shine offers Impact.
- Founded is lower at Hannoversche: 1875 vs 2016.
- Features: only Hannoversche offers Referral.
- Features: only Kontist by Shine offers Direct.
- Verticals: only Hannoversche offers Insurance.
- Verticals: only Kontist by Shine offers Banking.
Our verdict on each
Hannoversche
Hannoversche runs a German referral scheme that pays a flat CPA of up to 225 EUR per sale, with a cost score of 8.8. It suits publishers whose traffic already sits in Germany and who want a plain payout structure rather than a broad offer set.
Kontist by Shine
Kontist by Shine suits German publishers with a banking audience who want a clear payout per sale, and the top tier pays €60 for the top plan. Payment is per acquisition only, and the program covers a single market, so earnings rest on focused traffic rather than reach.
Where each is licensed and available
| Country | Hannoversche | Kontist by Shine |
|---|---|---|
| Region | Single country | Single country |
Earnings on 10 sales of 100
Hannoversche
€2,250
10 × €225
Kontist by Shine
€600
10 × €60
Hannoversche comes out €1,650 ahead.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
How they place
| Ranking | Hannoversche | Kontist by Shine |
|---|---|---|
| Finance affiliate programs | 15 of 425 | 12 of 425 |
Where these facts come from
Hannoversche
- hannoversche.de: 12 facts, checked September 26, 2026
- en.wikipedia.org: 1 fact, checked September 26, 2026
Kontist by Shine
- linkclicky.com: 6 facts, checked September 26, 2026
- kontist.com: 4 facts, checked September 26, 2026
- craft.co: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | Hannoversche | Kontist by Shine |
|---|---|---|
| Pricing model | CPA | CPA |
| Features | Referral | Direct |
| Region | Single country | Single country |
| Legal entity | Hannoversche Lebensversicherung AG | Shine Germany GmbH |
| Headquarters | Germany | Germany |
| Founded | 1875Lower | 2016 |
| Support channels | Phone, Email | Email, Chat, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | Hannoversche | Kontist by Shine | Median |
|---|---|---|---|
| Payout per sale or signup | €225highest quarter | €60above the median | €50 |
Median across 65 listed affiliate programs.
Pros and cons
Hannoversche
Pros
- The rate is a flat cost per action of up to 225 EUR per sale, so what a converted referral earns can be budgeted before you write the content.
- Money leaves through bank transfer, paypal and gift card, so a publisher is not tied to a single settlement route.
- The scheme runs on Tellja, which keeps tracking inside a network you can report from alongside your other programmes.
Cons
- Recurring commission is not offered, so a policy that stays in force produces nothing after the sale and each referral starts from scratch.
- The scheme is a single market offer, so only German readers convert, and 79.4% of insurance programmes are limited the same way.
- Support runs on phone and email, with no live chat listed for questions that arrive mid campaign.
Kontist by Shine
Pros
- Clear per sale rates across every plan in EUR60 Duo, EUR50 Premium, EUR40 Free per sale, so payouts can be forecast before a campaign runs.
- A direct program on Impact, so approval and reporting sit in one place.
- Support covers email, chat and phone, wider than email alone.
Cons
- A single market scope (single country) means only German traffic converts.
- The join route is direct (direct) on Impact, so no referral path is listed.
Who each suits
Hannoversche
Who it suits
- Publishers with a German insurance readership who can recommend a specific provider and see the referral through to a policy.
- Anyone who values a predictable flat bounty over a share of revenue, which is the shape Mintos (Hybrid lead and CPA commission) and Admitad (5% per sale) are built around.
Who should look elsewhere
- Publishers chasing renewals, since recurring commission is not offered here while Mintos pays Hybrid lead and CPA commission across a wider range of finance signups.
- Anyone wanting a share of each sale rather than a flat fee, where Admitad runs 5% per sale.
- Sites whose readers sit outside Germany, since the offer covers a single market and a business banking audience fits Qonto (CPA per registration plus KYB bonus) better.
Kontist by Shine
Who it suits
- Publishers with a Germany focused banking audience who can send readers to a specific plan.
- Publishers already approved on Impact who want a flat amount per confirmed sale.
- New entrants, since EUR60 Duo, EUR50 Premium, EUR40 Free per sale sets a single amount per plan and asks for little else.
Who should look elsewhere
- Mintos, if a hybrid lead and CPA model on Hybrid lead and CPA commission is worth more than a fixed sale rate.
- Qonto, if CPA per registration plus KYB bonus suits you better because a verified business adds a bonus.
- Admitad, if a share per sale on 5% per sale fits traffic spread over many offers.
Country by country
| Country | Hannoversche | Kontist by Shine |
|---|---|---|
| Germany | Yes | No |
Questions about each
Hannoversche
How much does a referral pay?+
The stated rate is up to 225 EUR per sale, and the model is cost per action (cpa), so a payout depends on a completed sale rather than on traffic volume. Plan your earnings per converted referral, not per click or per lead, because nothing is due until the sale completes.
Is there recurring commission?+
There is not. Recurring commission is listed as unavailable, which means an insurer that keeps a policy in force pays nothing further after the sale. Earnings reset with each new referral at up to 225 EUR per sale, so publishers who prefer lifetime value over a single bounty should look at a programme that pays on renewals.
Kontist by Shine
How much does Kontist pay for a sale?+
Kontist pays a set amount per sale: EUR60 Duo, EUR50 Premium, EUR40 Free per sale. The top of that schedule is €60, which is the figure for the Duo plan. Because the rate depends on which plan the reader ends up on, recommending the paid tier moves earnings more than extra clicks do.
What kind of commission does Kontist pay on?+
The program is a cpa deal, so a confirmed conversion triggers payment rather than a share of later value. Recurring commission is not part of that model, which keeps the sums simple but caps earnings at the confirmed sale.