Kreissparkasse Bersenbrück products, services and reviews

About Kreissparkasse Bersenbrück

Kreissparkasse Bersenbrück is a German public-law savings bank operating in and around Bersenbrück in Lower Saxony as part of the Sparkassen-Finanzgruppe, offering retail, small-business, and public-sector banking services. Its product set typically includes current accounts, savings and term deposits, debit (girocard) and credit cards, consumer loans, mortgages, payment services, and business accounts with cash management and POS solutions; investment and insurance products are distributed via group partners. The bank maintains a local branch and self-service network with ATMs in its market area, with advisory appointments and standard service hours; some locations may offer safe deposit boxes. Online and mobile banking are available with two-factor authentication (e.g., pushTAN or chipTAN) via the Sparkasse app and web banking, supporting SEPA transfers, standing orders, and contactless and mobile payments such as Apple Pay and Google Pay; instant payments may be available depending on account model and fees. Pricing follows published schedules (Preis- und Leistungsverzeichnis), with account maintenance fees and card or transaction charges varying by package; cash withdrawals within the nationwide Sparkassen ATM network are generally free for the bank’s own customers, while third-party withdrawals and credit card issuance often incur fees; interest rates and overdraft conditions are subject to change and are disclosed in branch and online. The bank focuses on local lending within its defined business area and adheres to standard German consumer-protection and disclosure rules; it is supervised by BaFin and the Deutsche Bundesbank and belongs to the institutional protection scheme of the Sparkassen-Finanzgruppe. Customer service is provided via branches, phone, email, and secure messaging in online banking; complaints can be escalated to the Sparkassen ombudsman procedure. Availability of products, languages, and advisory services is centered on the regional footprint and may be limited outside Germany, and international banking features are narrower than at larger private banks or direct banks; prospective customers should review the current price list, terms, and identification requirements before opening an account.