Kreissparkasse Saarpfalz products, services and reviews

About Kreissparkasse Saarpfalz

Kreissparkasse Saarpfalz is a German public-law savings bank (Anstalt des öffentlichen Rechts) serving the Saarpfalz district and operating within the Sparkassen-Finanzgruppe. It maintains a regional branch and self-service network and provides access to the nationwide Sparkassen ATM network for cash withdrawals with the Sparkassen-Card (girocard). The product range covers current accounts, savings accounts, term deposits, debit and credit cards, consumer loans and overdrafts, mortgage financing, and services for businesses and self-employed clients including business accounts, working-capital and investment loans, POS terminals, and cash management. Digital banking is available via online banking and the Sparkassen app with two-factor authentication (e.g., pushTAN or chipTAN), electronic statements, and support for contactless and mobile payments; wallet availability (such as Apple Pay or Google Pay) depends on card type and eligibility. As part of the group, the bank distributes additional offerings through affiliated providers, including building-savings (LBS), investment funds and securities custody, and insurance. Accounts typically carry monthly maintenance fees and per-use charges depending on the tariff; card fees, out-of-network ATM withdrawals, and overdraft interest may apply, with current terms set out in the price and service notice. Lending is subject to credit checks and standard KYC/AML identification. Deposits are covered by the Sparkassen-Finanzgruppe institutional protection scheme. The bank is supervised by BaFin and the Deutsche Bundesbank, with service available via branches, phone, and secure online channels.