Kreissparkasse Birkenfeld (Birkenfelder Landesbank) products, services and reviews

About Kreissparkasse Birkenfeld (Birkenfelder Landesbank)

Kreissparkasse Birkenfeld, also known locally or historically as Birkenfelder Landesbank, is a public-law savings bank serving the Birkenfeld district in Rhineland-Palatinate and operating under the regional principle within the Sparkassen-Finanzgruppe. It is owned by the district and overseen by bodies typical for German savings banks, and is supervised by BaFin and the Deutsche Bundesbank. The bank offers standard retail and small-business services including current accounts, savings products, consumer loans, mortgages, overdrafts, business accounts, and financing for local enterprises and municipalities. Payment services cover SEPA transfers, international transfers, and cards; customers typically receive a girocard (Sparkassen-Card) and may add Mastercard or Visa credit cards issued through group partners, with access to the nationwide Sparkassen ATM network. Online and mobile banking are provided via the Sparkasse online platform and the Sparkasse app, with common security procedures such as pushTAN and chipTAN, and support for mobile wallets such as Apple Pay and Google Pay where eligible. Securities custody and investment funds are available, with brokerage and asset management offerings commonly routed through group entities (e.g., DekaBank); insurance products are distributed from partner insurers within the group. Merchant services for businesses, such as POS terminals and e-commerce payments, are offered via group providers. Pricing is set locally by tariff and account package, and a statutory basic payment account is available under German law. Deposits are protected by the Sparkassen-Finanzgruppe institutional protection scheme, which is recognized as a deposit guarantee scheme under the German Deposit Guarantee Act and covers eligible deposits up to 100,000 euros per depositor. The bank maintains a regional branch and self-service network; account opening is available in-branch and, in many cases, online using standard identification procedures.