Kreissparkasse Miesbach-Tegernsee products, services and reviews

About Kreissparkasse Miesbach-Tegernsee

Kreissparkasse Miesbach-Tegernsee is a public-law savings bank serving the district of Miesbach in Upper Bavaria and forms part of the Sparkassen-Finanzgruppe. Its product range covers retail and small-business banking, including current accounts, savings and term deposits, consumer and mortgage lending, payment services, cards (Girocard and credit cards), and securities brokerage and custody, typically via group partners such as DekaBank for investment funds; insurance and pension products are distributed through the Sparkassen network. Corporate and public-sector clients can access working capital and investment financing, cash management, and merchant and e-commerce payments. Access is provided through a regional branch and self-service network alongside online and mobile banking; authentication follows PSD2 strong customer authentication with procedures such as pushTAN and chipTAN, and cards support contactless payments and common mobile wallets (e.g., Apple Pay and Google Pay). SEPA transfers, standing orders, direct debits, and card payments are standard; cash withdrawals are available at its own ATMs and across the nationwide Sparkassen ATM network. Pricing is set locally and published in the bank’s price and service list, with account packages and fees varying by usage; interest rates and conditions are updated in line with market developments and regulatory changes. Deposits are protected by the institutional protection scheme of the Sparkassen-Finanzgruppe (Sicherungseinrichtung), which is recognized as a deposit guarantee scheme and provides coverage at least up to the statutory level per depositor; the scheme is designed to stabilize member institutions. The bank operates under German banking regulation and supervision by BaFin and the Deutsche Bundesbank, offers advisory appointments in branch, by phone, or via video, and provides a complaints and dispute resolution channel through the Sparkassen ombudsman procedure.