Kreissparkasse Heidenheim products, services and reviews

About Kreissparkasse Heidenheim

Kreissparkasse Heidenheim is a public-law savings bank based in Heidenheim an der Brenz that primarily serves the Landkreis Heidenheim in Baden‑Württemberg and operates within the Sparkassen-Finanzgruppe. It provides retail and business banking, including current accounts with fee-based account models, girocard debit and optional credit cards, overdraft facilities, consumer loans, mortgages, and financing solutions for SMEs. Savings and investment options include classic savings accounts, term deposits, building society contracts via LBS, securities custody and trading with access to Deka investment products and the Sparkassen brokerage platform, and insurance distributed through group-affiliated insurers. Digital channels comprise online banking and the Sparkassen app with chipTAN or pushTAN authentication, SEPA transfers (including instant payments where enabled), and support for contactless and mobile payments; customers have access to the nationwide Sparkassen ATM network for cash withdrawals, while third-party ATM usage can incur fees. Business customers can use online banking with extended permissions, EBICS, POS terminals, and ancillary treasury and leasing services available through group companies. Pricing follows the Sparkasse model of monthly account maintenance and service-dependent transaction charges; interest rates and lending terms vary by product and creditworthiness, with fee and rate schedules published in official price lists. The bank is subject to supervision by BaFin and the Deutsche Bundesbank; deposits are protected by Germany’s statutory deposit guarantee up to 100,000 euros per depositor and by the institutional protection scheme of the Sparkassen-Finanzgruppe. Account opening requires standard identification and compliance with anti‑money‑laundering rules, and credit products typically involve SCHUFA credit checks. Branches and self-service terminals are distributed across the district with in-branch and remote service options; availability of products, features, and conditions can differ by customer segment and channel, and pricing and interest conditions often differ from those offered by direct banks and fintech providers.