Sparkasse Baden products, services and reviews

About Sparkasse Baden

Sparkasse Baden is a regional savings bank serving Baden and surrounding areas in Lower Austria within the Erste Bank und Sparkassen network, offering retail and SME banking with a standard product range that includes current accounts, savings and term deposits, youth and student accounts, business accounts, debit cards (typically Debit Mastercard), and credit cards issued via group partners. Payments and account management are supported through the George online and mobile banking platform, with strong customer authentication, card controls, 3D Secure, and support for Apple Pay and Google Pay; SEPA transfers are standard and SEPA Instant is generally available for a fee, while non-SEPA transfers and foreign currency services carry additional charges. Lending covers overdrafts, consumer loans, and mortgages with fixed or variable rates, and the bank provides investment services such as securities accounts and funds distribution via Erste Group affiliates, as well as insurance products through s Versicherung. Pricing follows Austria’s package-based model with monthly account fees tied to included services and transaction quotas; extra costs commonly apply for branch cash services, paper statements, international payments, and expedited or nonstandard transactions, and business accounts are priced by usage tiers. Access is via local branches and ATMs across the national Bankomat network, alongside phone and digital support; identification for onboarding follows Austrian KYC rules, with in-branch account opening and video identification options typically available to residents, while non-resident access can be limited. Deposits are covered up to €100,000 per person under the Austrian deposit guarantee scheme (Einlagensicherung AUSTRIA GmbH), and operations follow EU regulations including PSD2 for payments and MiFID II for investment services. The bank targets individuals and small to mid-sized enterprises in its catchment area, operates primarily in German, and publishes its fee and interest rate schedules, which vary by product and are subject to change; prospective customers should review current tariffs, digital service limits, and regional branch availability before opening an account.