Kreissparkasse Halle (Westf.) products, services and reviews

About Kreissparkasse Halle (Westf.)

Kreissparkasse Halle (Westf.) is a regional savings bank in North Rhine-Westphalia and a member of the Sparkassen-Finanzgruppe, operating under a public mandate to serve private clients and local businesses in Halle (Westfalen) and nearby communities. The product set covers current accounts, savings and term deposits, consumer loans, mortgages, debit (girocard) and credit cards, cash services, and access to the nationwide Sparkassen ATM network; account models typically carry monthly maintenance fees and pricing varies by package, with additional charges common for cards, paper statements, and out-of-network ATM withdrawals. Digital banking is available via online banking and the Sparkassen app, including SEPA instant payments where supported, contactless payments, and integration with Apple Pay and Google Pay, alongside giropay and standing orders; strong customer authentication is standard under PSD2. Investment services include securities accounts and funds distributed through Sparkassen group providers, and insurance and retirement products are offered via affiliated partners; investment products involve market risk and fees disclosed in the respective documentation. Business customers have access to business accounts, working capital and investment financing, commercial real estate loans, POS and e-commerce payment solutions, and advisory on public development programs (e.g., KfW/NRW.BANK). Supervision is by BaFin and Deutsche Bundesbank; deposits are protected by the institutional protection scheme of the Sparkassen-Finanzgruppe and, within the German legal framework, by statutory deposit guarantee up to EUR 100,000 per depositor. Account opening requires standard identification (e.g., PostIdent or VideoIdent) and proof of residence; non-resident onboarding may be limited. Pricing and conditions are detailed in the bank’s Preis- und Leistungsverzeichnis and product information sheets.