Kreissparkasse Saalfeld-Rudolstadt products, services and reviews

About Kreissparkasse Saalfeld-Rudolstadt

Kreissparkasse Saalfeld-Rudolstadt is a public-law savings bank (Anstalt des öffentlichen Rechts) serving the Saalfeld-Rudolstadt district in Thuringia, operating branches and self-service locations in its area and participating in the nationwide Sparkassen ATM network. It provides retail and business banking including current accounts with fee-based models, savings and term deposits, consumer loans and mortgages, overdraft facilities, payment services (girocard and Visa/Mastercard credit cards), cash management, and financing solutions for SMEs and municipalities; securities brokerage and investment funds are offered via Sparkassen-Finanzgruppe partners such as DekaBank, and insurance via Sparkassen-Versicherung. Online and mobile banking are available with PSD2-compliant strong customer authentication (e.g., pushTAN or chipTAN), and common mobile wallets such as Apple Pay and Google Pay are supported. As part of the Sparkassen-Finanzgruppe, the institution participates in the group’s institutional protection scheme (Sicherungseinrichtung), which is recognized under German law as a deposit guarantee scheme; the scheme is designed to prevent insolvency, and statutory coverage up to 100,000 EUR per depositor applies in a payout event, with potential additional protection for certain temporary high balances subject to legal conditions. The bank is supervised by BaFin and the Deutsche Bundesbank and operates under German and EU regulatory requirements including AML/KYC, with account opening and identification available in branch or remotely via procedures such as VideoIdent or PostIdent. Pricing follows the published schedule of conditions (Preis- und Leistungsverzeichnis); fees may apply for account maintenance, cards, withdrawals at non-Sparkassen ATMs, and paper-based or in-branch transactions, and interest rates for deposits and credit products (including overdrafts) are variable and subject to change.