Kreissparkasse Gotha products, services and reviews

About Kreissparkasse Gotha

Kreissparkasse Gotha is a public-law savings bank based in Gotha, Thuringia, with the district of Gotha as its public sponsor and a business focus defined by the Sparkassen regional principle. As part of the Sparkassen-Finanzgruppe, it provides retail and business banking including current accounts, savings and term deposits, consumer and mortgage lending, overdrafts, and services for SMEs such as business accounts, financing, merchant/POS solutions and cash management; investment and securities services are available via DekaBank, building society products via LBS, and insurance through group partners such as SV SparkassenVersicherung. Payments coverage includes SEPA transfers, instant payments where supported, domestic and international transfers, girocard and optional credit cards, contactless functionality, and mobile wallets (Apple Pay and Google Pay); customers have access to its own self-service devices and the nationwide Sparkassen ATM network. Digital channels include online banking and the Sparkasse app with pushTAN/chipTAN, a secure mailbox for statements and documents, card controls (e.g., block/unblock, limits) and online appointment booking; onboarding can be completed in branch or via remote identification where offered. Pricing follows the Sparkasse model with account packages that charge monthly maintenance and fees for specific services, governed by the bank’s price and service list; conditions vary by account and card. Deposits are protected by the German statutory deposit guarantee up to 100,000 euros per depositor and by the institutional protection scheme of the Sparkassen-Finanzgruppe; the bank is subject to BaFin and Deutsche Bundesbank supervision and PSD2 security requirements. The branch footprint and advisory services are oriented to the Gotha area; the regional focus and fee-based accounts may not align with users prioritizing nationwide in-person coverage from a single institution or zero-fee models common at direct banks.