Harzsparkasse products, services and reviews

About Harzsparkasse

Harzsparkasse is a regional savings bank organized under public law that serves the Harz district in Saxony-Anhalt, operating within the Sparkassen-Finanzgruppe under the regional principle with municipal ownership and a focus on local retail, business, and public-sector clients. It provides current accounts and payments (including SEPA and instant payments), cards (girocard and major credit card brands via group partners), savings and term deposits, consumer loans, overdrafts, mortgages, and financing solutions for SMEs and municipalities. Securities custody and investment products are available via group entities such as DekaBank, building-society saving and financing are offered through LBS, and insurance, leasing, and factoring can be arranged through affiliated providers within the Sparkassen network. Access is via a branch and self-service network in the market area, online banking and the Sparkassen app with strong customer authentication (e.g., pushTAN or chipTAN), and support for common mobile wallets; customers typically have fee-free withdrawals at Sparkassen ATMs nationwide with their girocard, while third-party ATM withdrawals and certain services can incur charges. Pricing is set out in published price and service notices and usually consists of account package fees, card fees, and transaction-based charges; lending conditions are risk- and term-dependent and subject to creditworthiness. Harzsparkasse is supervised by BaFin and the Deutsche Bundesbank and participates in the Sparkassen-Finanzgruppe institutional protection scheme recognized as a deposit guarantee system under German law; statutory deposit protection up to 100,000 EUR per depositor applies, with the institutional scheme designed to stabilize member institutions. The bank prioritizes customers in its defined region, and product availability, eligibility criteria, and terms can vary by customer segment; current conditions, rates, and fees are provided in official disclosures.