Kreissparkasse München Starnberg Ebersberg products, services and reviews

About Kreissparkasse München Starnberg Ebersberg

Kreissparkasse München Starnberg Ebersberg is a public-law savings bank serving the districts of München, Starnberg and Ebersberg in Bavaria. It offers current accounts with tiered pricing, savings and term deposits, consumer financing, residential mortgages, and securities services via group providers such as Deka and the Sparkassen broker platform, along with insurance products offered through partners in the Sparkassen-Finanzgruppe. Private and business customers have access to online and mobile banking through the Sparkassen app using pushTAN or chipTAN, card payments with a Sparkassen-Card (girocard) and optional Visa or Mastercard credit cards, Apple Pay and Google Pay, SEPA transfers including instant payments where available, and international transfers via SWIFT. The institution operates a regional branch and self-service network and provides customers cash access across the Sparkassen-Finanzgruppe’s ATM network (around 22,000 in Germany). Account packages typically include a debit card; credit cards and other add-ons are billed separately; a basic payment account under German law is available, with youth and student options commonly offered. Business banking includes corporate accounts, POS terminals and e-commerce acquiring, liquidity management, leasing and factoring through group partners, and access to promotional loans from institutions such as KfW and LfA. Deposits are protected by the German statutory deposit guarantee up to 100,000 euros per depositor, and an institutional protection scheme within the Sparkassen sector operates on a preventive basis. The bank is supervised by BaFin and the Deutsche Bundesbank and applies PSD2-compliant strong customer authentication, including 3-D Secure (S-ID-Check) for card payments. Onboarding is possible in branch and, for many products, via digital identification; services are primarily provided in German. Fees, interest rates and product availability vary by account model and are outlined in the bank’s price and service listing; conditions are subject to change.