Kreissparkasse Esslingen-Nürtingen products, services and reviews

About Kreissparkasse Esslingen-Nürtingen

Kreissparkasse Esslingen-Nürtingen is a public-law savings bank serving the Esslingen district in Baden‑Württemberg, with a branch and self-service network across Esslingen am Neckar, Nürtingen and surrounding municipalities. It is part of the Sparkassen-Finanzgruppe and operates under the Sparkassengesetz Baden‑Württemberg, supervised by BaFin and the Deutsche Bundesbank; the responsible public body (Träger) is the Landkreis Esslingen. The bank offers standard retail services including current accounts, savings and term deposits, debit and credit cards, domestic and international payments (SEPA/SWIFT), overdrafts, consumer loans and mortgages, as well as business banking for SMEs such as business accounts, liquidity and investment loans, KfW-backed programs, POS acquiring and cash management. Securities services include custody accounts, order execution and investment products, with access to group partners such as DekaBank for funds; insurance and building-society products are available via SparkassenVersicherung and LBS. Digital channels include online banking and the Sparkassen app with two-factor authentication (pushTAN or chipTAN), mobile wallets (including Apple Pay and Google Pay, where supported) and online onboarding for many products. Cash access is provided through the nationwide Sparkassen ATM network; withdrawals at third-party ATMs may incur fees. Pricing follows tiered account models and published price schedules; business accounts typically use usage-based fee structures. Deposits and the institution are protected within the institutional protection scheme of the Sparkassen-Finanzgruppe (Institutssicherung). The bank publishes annual reports and disclosures in line with German regulatory requirements and participates in the Sparkassen consumer ombudsman scheme for dispute resolution. Services are oriented toward private customers, self-employed and SMEs in the region, with advisory appointments available in branches and remotely; specific terms, interest rates and eligibility depend on product type and customer profile.