Kreissparkasse Biberach products, services and reviews

About Kreissparkasse Biberach

Kreissparkasse Biberach is a regional savings bank (Anstalt des öffentlichen Rechts) serving the Biberach district in Baden‑Württemberg and forms part of the Sparkassen‑Finanzgruppe under the Sparkassenverband Baden‑Württemberg, subject to supervision by BaFin and the Deutsche Bundesbank. Its business model centers on retail and SME banking with a statutory public mandate, offering current accounts, savings and term deposits, consumer loans, overdrafts, and residential real estate financing, including access to subsidized programs (e.g., KfW and L‑Bank). Insurance products are distributed via Sparkassen‑Finanzgruppe partners such as SV SparkassenVersicherung, while investments and securities services are provided through DekaBank and Sparkassen Brokerage, with MiFID II‑compliant advisory and custody options. Business clients have access to working capital and investment loans, cash management, POS and e‑commerce acquiring via PAYONE, leasing and factoring through group affiliates, and public‑sector solutions. Digital banking includes web and mobile channels with strong customer authentication (pushTAN and chipTAN), e‑statements, instant payments (where available), and support for Apple Pay and Google Pay; card products typically comprise girocard and Mastercard/Visa. Cash services are delivered via local branches and the nationwide Sparkassen ATM network; withdrawals at third‑party ATMs may incur fees depending on account terms. Pricing follows published fee schedules with account packages that vary by included services. Deposits are protected by the institutional protection scheme of the Sparkassen‑Finanzgruppe, which is recognized as a deposit guarantee scheme and covers eligible deposits up to 100,000 euros per depositor per bank.