Kreis-Sparkasse Northeim products, services and reviews

About Kreis-Sparkasse Northeim

Kreis-Sparkasse Northeim is a regional public-law savings bank (Anstalt des öffentlichen Rechts) serving private, business, and municipal clients in the Northeim district of Lower Saxony and is part of the Sparkassen-Finanzgruppe. Its product range covers current and savings accounts, term deposits, debit and credit cards, consumer loans, overdrafts, residential mortgages, and financing for SMEs and self-employed clients, including access to promotional loans (e.g., via KfW) and public-sector services such as cash management and treasury support. Securities services include custody accounts, order execution, and investment advisory under MiFID II rules, with distribution of funds and investment products from Sparkassen group partners such as DekaBank; building society savings and financing are available through the group’s bausparkasse partner, and insurance is provided via regional insurers cooperating with the Sparkassen network. Payment services include SEPA transfers and direct debits, international transfers via SWIFT, girocard acceptance, contactless payments, and mobile wallets (Apple Pay and Google Pay) for eligible cards. Delivery channels comprise local branches, self-service terminals and ATMs within the nationwide Sparkassen network, online banking, the Sparkasse mobile app, and telephone support; corporate clients can use EBICS, and interfaces compliant with PSD2 are available for third-party providers. Authentication methods typically include chipTAN and pushTAN, with strong customer authentication applied to online and card transactions; card blocking is supported via the standard 116 116 hotline. Account and service pricing generally follows tiered models with monthly package fees and itemized charges as specified in the Preis- und Leistungsverzeichnis; interest rates and conditions depend on product type and creditworthiness. Deposits are protected by the institutional protection scheme of the Sparkassen-Finanzgruppe (Sicherungseinrichtung), which is recognized as a deposit guarantee scheme under German law up to the statutory limits; the institution is supervised by BaFin and the Deutsche Bundesbank. Consumer complaints can be addressed through the bank’s internal process and the independent Sparkassen ombudsman procedure; branch opening hours and appointment availability vary by location, and standard identification and documentation requirements apply under German anti–money laundering regulations.