Kreissparkasse Kelheim products, services and reviews

About Kreissparkasse Kelheim

Kreissparkasse Kelheim is a public-law savings bank (Anstalt des öffentlichen Rechts) with the district of Kelheim as its public sponsor, operating a branch and self-service network across the region and providing access to the nationwide Sparkassen ATM infrastructure. Its product range covers retail and business current accounts with tiered pricing models, debit cards (girocard) and optional Mastercard or Visa credit/debit cards via the Sparkassen-Finanzgruppe, domestic and cross-border payments (SEPA and international), as well as consumer loans, mortgages, and financing solutions for SMEs and municipalities, including promotional programs such as KfW where applicable. Savings and investment options include call and term deposits, building society contracts through LBS, and securities custody with brokerage and fund products from partners such as DekaBank, along with ETF and fund savings plans. Digital services comprise online banking with PSD2-compliant strong customer authentication, chipTAN and pushTAN procedures, the Sparkassen app for mobile banking, and support for mobile wallets such as Apple Pay and Google Pay depending on the card issued. Additional services typically include POS solutions, leasing and factoring via group partners, insurance products through affiliated insurers, safe deposit boxes at selected locations, and cash and coin services for businesses. Fees and interest conditions are published in the price and service schedule; charges vary by account model and usage. Deposits are protected by the statutory German scheme up to EUR 100,000 per depositor and by the institutional protection system of the Sparkassen-Finanzgruppe. The institution is supervised by BaFin and the Deutsche Bundesbank and follows standard complaint and mediation procedures, including access to the Sparkassen ombudsman.