Kreissparkasse Ludwigsburg products, services and reviews

About Kreissparkasse Ludwigsburg

Kreissparkasse Ludwigsburg is a public-law savings bank (Sparkasse) headquartered in Ludwigsburg and part of the Sparkassen-Finanzgruppe, serving private, business, and public-sector clients in the surrounding district. It offers current accounts with tiered pricing models, debit cards (girocard) and optional credit or debit cards (Visa/Mastercard), savings and term deposits, securities custody and fund investments (including products distributed via group partners such as Deka), building society savings, insurance brokerage, and safe deposit boxes at selected locations. Lending covers consumer and overdraft facilities, vehicle and installment loans, residential mortgages and construction finance (including eligible KfW programs), as well as financing and cash management solutions for SMEs and municipalities; merchant services and leasing are available through group affiliates. Access is provided through a regional branch and self-service network and the nationwide Sparkassen ATM alliance, online banking and the Sparkasse mobile app with chipTAN or pushTAN authentication, phone and video advisory, and electronic statements; mobile payments via Apple Pay and Google Pay are supported for eligible cards. Domestic payments include SEPA transfers and direct debits; non-SEPA cross-border payments are available for a fee, with currency and correspondent charges applying. Deposits are covered by the German statutory deposit guarantee up to EUR 100,000 per depositor and by the Sparkassen institutional protection scheme; the latter is designed to safeguard member institutions. As an institution under public law with a municipal sponsor, it is overseen by a management board and supervisory bodies and is subject to German banking regulation. Pricing is governed by the official Preis- und Leistungsverzeichnis; account maintenance, cards, cash withdrawals outside the Sparkassen network, paper-based transactions, securities orders, international transfers, and borrowing costs are charged according to the schedule and may change; product availability and onboarding (including video identification) depend on eligibility and identification requirements.