Kreis- und Stadtsparkasse Wasserburg am Inn products, services and reviews

About Kreis- und Stadtsparkasse Wasserburg am Inn

Kreis- und Stadtsparkasse Wasserburg am Inn is a German public-law savings bank (Anstalt des öffentlichen Rechts) based in Wasserburg am Inn, Bavaria, serving private and business customers in its regional market. It offers current accounts, savings and term deposits, overdrafts, consumer finance, residential mortgages, securities custody and brokerage (including fund products from DekaBank), building-society savings via LBS Bayern, and insurance distributed through Sparkassen-Finanzgruppe partners such as Versicherungskammer Bayern. Payments coverage includes SEPA transfers and direct debits, standing orders, international transfers via SWIFT, a girocard for cash withdrawals and POS transactions, and optional Visa or Mastercard credit/debit cards; contactless payments and mobile wallets such as Apple Pay and Google Pay are supported for eligible cards. Business services include giro accounts, liquidity management, merchant acquiring and POS solutions, lending for investment and working capital, commercial real-estate financing, and access to promotional programs (e.g., KfW). Customers can use branches and self-service terminals in Wasserburg am Inn and nearby communities, online banking and the Sparkasse app with strong customer authentication (pushTAN or chipTAN), and telephone service; identification for account opening follows German AML/KYC rules and is completed in-branch or via PostIdent/video identification where available. Cash withdrawals are available at Sparkassen ATMs nationwide with the bank’s own girocard; withdrawals at third-party ATMs, card use outside the euro area, and many account and card services are priced according to the bank’s schedule of prices and services, which also sets monthly account package fees and overdraft interest. The institution operates under the Sparkassen regional principle with a focus on its home area and is owned by local public bodies; it does not maintain an international branch network and offers a product range typical of regional savings banks. Supervision is by BaFin and the Deutsche Bundesbank. Deposits are protected by the institutional protection scheme of the German Savings Banks Finance Group, which is recognized as a statutory deposit guarantee scheme up to 100,000 euros per depositor per bank; the institutional protection aims to prevent member insolvency and thereby also protects customers beyond the statutory level. Services, documentation and support are primarily in German, and product features, eligibility, fees and interest rates are subject to change; consult the current Preis- und Leistungsverzeichnis and contractual terms before entering into agreements.