Kreissparkasse Freudenstadt products, services and reviews

About Kreissparkasse Freudenstadt

Kreissparkasse Freudenstadt is a public-law savings bank (Anstalt des öffentlichen Rechts) serving private, business, and municipal customers in the Freudenstadt district of Baden-Württemberg. It is part of the Sparkassen-Finanzgruppe and the Sparkassenverband Baden-Württemberg and is supervised by BaFin and the Deutsche Bundesbank. The bank offers current and savings accounts, debit and credit cards, domestic and cross-border SEPA payments, and supports real-time transfers where available. Lending covers consumer loans, mortgages, and financing solutions for SMEs and municipalities. Digital access includes online banking and the Sparkassen app with two-factor authentication (pushTAN and chipTAN), and common mobile wallets such as Apple Pay and Google Pay are supported. Customers can use regional branches, self-service terminals, and the nationwide Sparkassen ATM network. Investment and securities services are provided in cooperation with DekaBank and the Sparkassen broker platform; building society savings are available via LBS Südwest; insurance via SV SparkassenVersicherung; and leasing and consumer finance through group partners such as Deutsche Leasing and S-Kreditpartner. Deposits are protected within the Sparkassen-Finanzgruppe Institutional Protection Scheme (Haftungsverbund), which fulfills EU deposit guarantee requirements and covers eligible deposits up to 100,000 EUR per depositor while aiming to prevent insolvency. Pricing depends on the selected account model and usage; conditions, fees, and eligibility criteria are detailed in the bank’s published price and service list and contractual terms.