Herner Sparkasse products, services and reviews

About Herner Sparkasse

Herner Sparkasse is a municipal savings bank (Anstalt des öffentlichen Rechts) based in Herne, North Rhine-Westphalia, and operates within the Sparkassen-Finanzgruppe under the regional principle. It maintains a local branch and self-service network and provides retail and small-business banking products, including current accounts, savings and time deposits, consumer loans, residential mortgages, and financing for local enterprises and self-employed clients. Securities custody and investment funds are distributed via group entities such as DekaBank; building society savings and home financing are available through LBS; insurance policies are brokered from the Sparkassen group insurer active in the region. Payment services cover giro accounts with girocard and international debit/credit cards, domestic and SEPA transfers, standing orders, and merchant acceptance solutions; cash access is available via Sparkasse-branded ATMs across Germany. Digital channels include online banking and the Sparkasse mobile apps with common two-factor methods such as chipTAN and pushTAN; corporate customers can use EBICS, liquidity management tools, and group-provided services such as leasing and factoring. The bank is supervised by BaFin and the Deutsche Bundesbank and participates in the institutional protection scheme of the Sparkassen-Finanzgruppe recognized under the German Deposit Guarantee Act. Pricing is set by account model and service usage, and interest rates and fees are subject to change; conditions may differ between branches and digital channels. Eligibility and identification follow German KYC rules, with account opening typically focused on customers in the local catchment area. Product availability, limits, and terms can vary; verification with the bank is required for current details.