Kreissparkasse Melle products, services and reviews

About Kreissparkasse Melle

Kreissparkasse Melle is a public-law savings bank headquartered in Melle (Lower Saxony) and a member of the Sparkassen-Finanzgruppe, focusing on retail and small to mid-sized business customers in its regional market. The bank offers current accounts, savings and term deposits, consumer loans and overdrafts, residential mortgages and real estate financing, as well as business accounts, working capital and investment loans, and cash management. Securities brokerage, custody, and fund products are provided through Sparkassen group partners such as DekaBank; building society savings and home finance are available via LBS; insurance and leasing solutions are offered through affiliated providers within the group. Customers have access to branch and self-service locations, online and mobile banking via the Sparkasse app, two-factor authentication (e.g., pushTAN or chipTAN), SEPA transfers including instant payments (where available), and card payments with the Sparkassen-Card (girocard) and optional credit cards (Visa/Mastercard), including contactless and wallet support such as Apple Pay and Google Pay. Cash withdrawals are typically free at ATMs operated by the nationwide Sparkassen network; fees can apply at third-party ATMs and for certain services depending on the selected account model. Pricing follows the published schedule of prices and services (Preis- und Leistungsverzeichnis), with account maintenance fees, card fees, transaction charges, and overdraft interest disclosed therein. The bank intermediates public development loans (e.g., KfW and state programs) and provides payment acceptance solutions for merchants through group partners, alongside ancillary services such as safe deposit boxes and real estate brokerage in selected locations. Kreissparkasse Melle operates under German banking regulation and supervision (BaFin/Deutsche Bundesbank) and participates in the Sparkassen-Finanzgruppe institutional protection scheme, which is recognized under the statutory deposit guarantee framework; the scheme aims to prevent member institution failures and covers deposits up to the applicable legal limits. Account opening and lending are subject to standard identification, credit, and compliance checks, and day-to-day service is primarily offered in German.