Kreissparkasse Euskirchen products, services and reviews

About Kreissparkasse Euskirchen

Kreissparkasse Euskirchen is a regional savings bank (Anstalt des öffentlichen Rechts) serving the district of Euskirchen in North Rhine-Westphalia, operating within the Sparkassen-Finanzgruppe with the district (Kreis Euskirchen) as public sponsor. It offers retail and business banking services including current accounts, savings and term deposits, consumer and mortgage loans, SME financing, payment services, cards (girocard and credit cards issued via Sparkasse partners), and brokerage of investment and insurance products from group companies such as DekaBank, LBS, and Provinzial. Distribution is via local branches and self-service terminals across the district (including locations such as Euskirchen, Bad Münstereifel, Mechernich, Zülpich, Kall, and Schleiden), complemented by online banking and the Sparkasse app with chipTAN or pushTAN; mobile wallet support for Apple Pay and Google Pay is available for eligible cards. Pricing typically uses account packages with monthly maintenance fees and itemized charges for services (e.g., cards, overdrafts, out-of-network cash withdrawals, and certain transfers), with interest rates and credit conditions dependent on product terms and creditworthiness, usually including SCHUFA checks. Payments are processed via SEPA, with SWIFT for cross-border transfers outside SEPA; SEPA instant payments may be available depending on account and channel. The bank is supervised by BaFin and the Deutsche Bundesbank and participates in the institutional protection scheme (Institutssicherung) of the German Savings Banks Finance Group, which is recognized under EU law; the statutory deposit guarantee up to 100,000 EUR per depositor per bank applies to eligible deposits under German rules. Account opening and ongoing service are subject to German AML/KYC requirements (valid identification and, where applicable, residence documentation), and data processing follows GDPR and German banking secrecy provisions. Product availability, branch hours, fees, and rates are updated periodically; the binding conditions are set out in the current Preis- und Leistungsverzeichnis, terms and conditions, and product-specific disclosures issued by the bank.