Kreissparkasse Börde products, services and reviews

About Kreissparkasse Börde

Kreissparkasse Börde is a German public-law savings bank serving the Börde district in Saxony-Anhalt and is part of the Sparkassen-Finanzgruppe. It provides retail and small-business banking, including current accounts (Girokonten), savings and term deposits, domestic and cross-border SEPA payments, consumer loans, overdrafts, and residential real estate financing. Business customers and municipalities have access to working capital lines, investment loans, and cash management. Customers typically receive a debit card (Sparkassen-Card/girocard) for domestic payments and ATM withdrawals, with optional Mastercard or Visa credit and debit cards issued within the group; common mobile wallets such as Apple Pay and Google Pay are supported. Online and mobile banking cover transfers, standing orders, e-documents, and two-factor authentication via pushTAN or chipTAN, with service available in branch, by phone, and digitally. Investment and pension products are offered through group partners, commonly including DekaBank for funds and LBS for building savings; insurance products are available from affiliated providers. Accounts are offered in pricing tiers with monthly maintenance fees and transaction-based charges; withdrawals at Sparkasse ATMs in Germany are generally free for customers, while use of third-party ATMs and international transactions may incur fees. Current conditions, interest rates, and charges are published in the Preis- und Leistungsverzeichnis. Deposits are protected by the institutional protection scheme of the Sparkassen-Finanzgruppe, which fulfills the EU statutory minimum coverage of up to EUR 100,000 per depositor. Standard identification and residency requirements under German regulation apply to onboarding, and selected products can be opened online subject to eligibility. Services are oriented to households, SMEs, and public institutions in the region; nationwide access is available through the Sparkassen network, while product scope and pricing may differ from offers by private banks and neobanks.