Kreissparkasse Grafschaft Bentheim zu Nordhorn products, services and reviews

About Kreissparkasse Grafschaft Bentheim zu Nordhorn

Kreissparkasse Grafschaft Bentheim zu Nordhorn is a public-law savings bank headquartered in Nordhorn, serving the county of Grafschaft Bentheim in Lower Saxony. As part of the Sparkassen-Finanzgruppe, it focuses on retail and small to mid-sized business banking, offering current accounts, savings products, consumer and mortgage loans, business financing, payment services, and securities custody with access to investment funds and brokerage solutions from group partners such as DekaBank; building society contracts are typically arranged via LBS NordWest, and leasing or factoring solutions are available through Sparkassen network providers. Customers can use a regional branch and self-service network and withdraw cash at Sparkassen ATMs across Germany, with withdrawals at third-party ATMs generally incurring fees; account packages usually carry monthly maintenance charges and pricing varies by service channel, with details set out in the bank’s Preis- und Leistungsverzeichnis. Digital channels include online banking and the Sparkasse mobile app with pushTAN and chipTAN authentication, SEPA transfers, and support for card and mobile payments (Girocard and, depending on product, Debit Mastercard/Visa Debit or credit cards, plus common wallets such as Apple Pay and Google Pay where available); business clients can use EBICS for payments. The institution is supervised by BaFin and the Deutsche Bundesbank, and participates in the institutional protection scheme of the Sparkassen-Finanzgruppe, which is recognized under the German Deposit Guarantee Act and targets statutory coverage of up to 100,000 euros per depositor while also aiming to prevent insolvency. Governance follows the standard Sparkasse model with a management board and an administrative board under municipal sponsorship by the Landkreis Grafschaft Bentheim. Opening hours, product availability, and eligibility depend on location and customer profile.