Hamburger Sparkasse AG products, services and reviews

About Hamburger Sparkasse AG

Hamburger Sparkasse AG (Haspa) is a regional savings bank headquartered in Hamburg, founded in 1827 and organized as a stock corporation within the Sparkassen-Finanzgruppe; it is supervised by BaFin and the Deutsche Bundesbank. The bank focuses on retail, private banking, and small to mid-sized corporate clients in the Hamburg metropolitan area, operating a dense local branch and self-service network and giving customers access to the nationwide Sparkassen ATM network. Its product set includes current accounts (including “HaspaJoker” bundled models), savings and term deposits, consumer loans, mortgages and construction financing, securities custody and brokerage with access to exchange trading and DekaBank funds, business accounts and payments, merchant acquiring and POS solutions, cash management, trade-related services, and real estate brokerage via group entities. Digital access is provided through online banking and the Sparkassen mobile app, with S-PushTAN and chipTAN authentication, biometric login, and support for Apple Pay and Google Pay; SEPA credit transfers (including instant payments on eligible accounts) and international transfers via SWIFT are available. Card options typically include a girocard and Mastercard or Visa debit/credit variants with contactless and mobile wallet compatibility. Pricing is published in a detailed schedule of fees; most account models carry monthly maintenance charges, and specific transaction, card, cash withdrawal, and branch service fees vary by plan, with student and youth options available; interest rates and fees are subject to change. Security features include two-factor authentication, PSD2-compliant access, and fraud monitoring; customer deposits are protected by the Sparkassen-Finanzgruppe institutional protection scheme, which is officially recognized as a deposit guarantee scheme and covers up to EUR 100,000 per depositor, with additional group support mechanisms designed to prevent insolvency events. Standard KYC/AML requirements apply; online onboarding is available for many resident applicants with supported identification, while service availability for non-residents is limited and policy-driven. Customer service is delivered via local branches, telephone, and digital channels; selected locations offer safe deposit boxes; opening hours and service levels vary by branch. Prospective customers should review the current price and service list, product terms, and regulatory disclosures on the bank’s website before opening or switching accounts.