Sparkasse Aachen products, services and reviews

About Sparkasse Aachen

Sparkasse Aachen is a public-law savings bank serving Aachen and the surrounding region in North Rhine-Westphalia and is part of the Sparkassen-Finanzgruppe. It offers current accounts for private customers with tiered pricing models, youth and student options, and business accounts; fees and included services depend on the chosen package and on whether transactions are digital or branch-based, with the official price list providing the binding conditions. Card products typically include a Sparkassen-Card (girocard/debit) and optional credit cards (Visa or Mastercard) with contactless and 3D Secure, plus Apple Pay and Google Pay support; withdrawals are generally free at Sparkasse ATMs nationwide within the group’s network, while third-party ATM use can trigger fees. Payments cover SEPA transfers, standing orders, direct debits, and international transfers via SWIFT; online banking and the Sparkasse mobile app support pushTAN and chipTAN for strong customer authentication, secure messaging, and card controls. For savings and investments, the bank provides classic savings products, term deposits, securities accounts, and fund solutions via group partners such as DekaBank, and access to an online broker; building savings contracts and mortgage solutions are available in cooperation with LBS. Lending spans overdrafts, installment loans, and real estate financing; insurance is distributed via group partners customary in the region. Corporate and public-sector clients have access to payment services, POS and ecommerce acquiring, liquidity and investment options, and financing for working capital and capital expenditures, with advisory available in branch and on site. The institution is regulated in Germany and participates in the Sparkassen-Finanzgruppe institutional protection scheme, which is recognized as a deposit guarantee system and is designed to safeguard customer deposits up to the statutory level; additional institutional support mechanisms apply within the group. Account opening follows standard German identification and address requirements and can be completed in branch or via video identification where available; service is primarily in German, with English support depending on channel and staff. Customer service is provided via branches, telephone, and secure online channels; specific conditions, interest rates, and fees are published in the Preis- und Leistungsverzeichnis and may change.