Kreissparkasse Ravensburg products, services and reviews

About Kreissparkasse Ravensburg

Kreissparkasse Ravensburg is a public-law savings bank serving the Ravensburg district in Baden‑Württemberg and forms part of the Sparkassen-Finanzgruppe. It offers standard retail and business banking services, including current accounts with tiered pricing, debit cards (Girocard/Sparkassen-Card) and optional credit or debit products from card schemes, online and mobile banking via the Sparkassen app with chipTAN/pushTAN authentication, and access to a regional branch and ATM network with nationwide cash withdrawals at Sparkassen ATMs. Product lines cover payments, overdrafts, consumer loans, mortgages, subsidized financing in cooperation with promotional banks, savings accounts, term deposits, and securities and investment funds distributed through group partners such as DekaBank; insurance and pension products are typically available through Sparkassen-affiliated insurers. Corporate clients can expect business accounts, working-capital and investment financing, cash management, merchant acquiring and POS solutions, leasing via group companies, and real estate brokerage services. Digital features include e-statements, secure messaging, and support for contactless and mobile payments; availability of specific functions and card types depends on the chosen account model and customer eligibility. Fees apply for account packages, cards, cash withdrawals outside the Sparkassen network, and paper-based or in-branch transactions, with details set out in the bank’s price and service list; interest and pricing are subject to change. As a German credit institution, it is supervised by BaFin and the Deutsche Bundesbank and participates in the institutional protection scheme of the Sparkassen-Finanzgruppe, which is recognized under EU rules and includes deposit protection up to 100,000 euros per depositor; the institutional scheme also aims to prevent member insolvency. Service is provided through branches, phone, and digital channels, with opening hours and appointment availability varying by location. Prospective customers should review the current terms, fees, identification requirements, and product conditions on the bank’s website or in-branch before opening an account or concluding financing or investment agreements.