Nord-Ostsee Sparkasse products, services and reviews
Rating, reviews, address, contact info, branches, phone numbers, fixed deposits, savings and card accounts offered by Nord-Ostsee Sparkasse
3.80%
Annual fee
Free
Cashback
No
Annual fee
Free
Cashback
No
Interest rates up to 3.80%
Open and manage directly on PickTheBank Platform
Terms from 3 months to 5 years
Annual interest payments
Protected by Deposit Guarantee System up to 100.000 EUR

Nord-Ostsee Sparkasse
4.1
Germany
Credit ratings
Deposit Guarantee Scheme (DGS)
Deposit Guarantee Scheme (DGS) member. Deposits up to €100k per person are covered
S&P
-
Moody’s
-
Fitch
A+
About Nord-Ostsee Sparkasse
Nord-Ostsee Sparkasse is a regional savings bank (Sparkasse) based in Flensburg and operating under public law, serving primarily the districts of Nordfriesland and Schleswig-Flensburg as well as the city of Flensburg. As a member of the Sparkassen-Finanzgruppe, it follows the regional principle, focuses on retail and SME banking, and participates in the group’s institutional protection scheme; statutory deposit protection up to 100,000 euros per depositor also applies. Governance is tied to local public bodies, and supervision is conducted under German banking regulation by BaFin and the Bundesbank. The product range covers current accounts, savings and term deposits, consumer loans, mortgages, and services for businesses including payments, liquidity management, and lending; securities services are offered via the group, typically with DekaBank funds and access to brokerage. Account models usually involve monthly maintenance fees that vary by package, with additional charges for certain transactions, paper statements, or out-of-network cash withdrawals; pricing is published on the bank’s site and in branch. Card products include the Sparkassen-Card (girocard), often with a Debit Mastercard or Visa Debit co-badge, and credit cards from the group; Apple Pay and Google Pay are supported. Cash access is via the nationwide Sparkassen ATM network. Digital banking is available via web and the Sparkasse app, with two-factor authentication options such as pushTAN and chipTAN; SEPA transfers are supported, and availability of instant payments depends on the account and channel. Account opening requires standard identification under German KYC rules and is generally targeted at customers in the bank’s service area.
Nord-Ostsee Sparkasse Deposit guarantee scheme participation
Nord-Ostsee Sparkasse participates in the deposit guarantee scheme of Germany which applies to all deposit accounts made by natural persons, legal entities and covers up to up to 100,000 EUR (or equivalent in local currency) per bank per depositor.
Nord-Ostsee Sparkasse Countries of operations
Nord-Ostsee Sparkasse offers their savings products in Germany
Products offered by Nord-Ostsee Sparkasse and interest rates
Nord-Ostsee Sparkasse offers 7 deposits and 3 savings accounts in EUR.
Nord-Ostsee Sparkasse offers the following fixed deposits in EUR in Germany: 0 months deposit - 0.6%; 12 months deposit - 1.05%; 24 months deposit - 1.35%; 36 months deposit - 1.55%.
Best interest rates in Germany
Fixed deposits offered by Nord-Ostsee Sparkasse
Savings accounts offered by Nord-Ostsee Sparkasse
Loans offered by Nord-Ostsee Sparkasse
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Bank identifiers
BIC number
NOLADE21NOS
Name
Nord-Ostsee Sparkasse
Country
Germany