Förde Sparkasse products, services and reviews

About Förde Sparkasse

Förde Sparkasse is a regional public-law savings bank headquartered in Kiel, operating under Schleswig-Holstein savings bank law and serving Kiel and surrounding areas. It is part of the Sparkassen-Finanzgruppe and participates in its institutional protection scheme; prudential supervision is conducted by BaFin and the Deutsche Bundesbank. The bank offers current accounts with tiered monthly package fees, including options for basic, youth, and student use; cash withdrawals are available at Sparkassen-branded ATMs across Germany, while third-party ATM and paper-based transaction fees may apply. Payment products include a Girocard and optional Visa or Mastercard credit cards, with contactless functionality and support for common mobile wallets; online and mobile banking is provided via the Sparkassen apps with PSD2-compliant two-factor authentication (e.g., chipTAN and pushTAN). Lending covers overdrafts, consumer loans, and residential mortgages; building savings contracts are available through LBS. Investment services include securities accounts and access to funds from DekaBank, alongside real estate brokerage under the S-Immobilien brand and insurance distribution via Sparkassen-affiliated partners. For businesses and the public sector, the bank provides operating accounts, payments, POS solutions, liquidity management, and financing tailored to regional SMEs and municipalities. Services are delivered through a local branch and self-service network complemented by phone and video advisory channels. International payments are available via SEPA and SWIFT, with fees outside SEPA. Account opening generally requires standard identification procedures and is focused on residents within the service area. Pricing, interest rates, and product availability vary by package and are subject to change; applicants should review the current fee schedules and product terms.