Kreissparkasse Bautzen products, services and reviews

About Kreissparkasse Bautzen

Kreissparkasse Bautzen is a public-law savings bank (Anstalt des öffentlichen Rechts) headquartered in Bautzen and serving the Bautzen district in Saxony as part of the Sparkassen-Finanzgruppe. Its range covers retail and small-business banking, including current accounts, savings and term deposits, consumer loans, mortgages, payment services, girocard and credit cards, and corporate lending and cash management for SMEs, associations, and public institutions. Securities custody and investment funds are offered via group partners such as DekaBank and Sparkasse Broker; building society savings and home finance are available through LBS Ost; insurance products are distributed in cooperation with Sparkassen-Versicherung Sachsen. Access is provided through regional branches and self-service locations, the nationwide Sparkassen ATM network, and online and mobile banking via Sparkasse apps; contactless and mobile wallet payments are supported depending on card and device. Account models typically carry monthly package fees with transaction-related charges as detailed in the published price and service schedule; withdrawals at non-Sparkassen ATMs and transfers outside SEPA generally incur fees. The bank participates in the Sparkassen-Finanzgruppe institutional protection scheme recognized under EU rules, designed to stabilize member institutions and protect deposits up to statutory limits; it is supervised by BaFin and the Deutsche Bundesbank. Governance follows the standard Sparkasse structure with a management board and an administrative board that includes local public representatives. Services include SEPA payments, standing orders, foreign currency orders, safe deposit boxes at selected branches, and basic payment accounts in line with German regulation; account opening and lending comply with German KYC/AML rules, with remote identification offered where applicable. International services focus on standard cross-border payments and card usage rather than specialist trade finance, and SWIFT transfers are supported using IBAN/BIC. Pricing, interest rates, and product conditions are set locally and are subject to change, so prospective customers need to review the current Preis- und Leistungsverzeichnis and product disclosures.