Sparkasse Altötting-Mühldorf products, services and reviews

About Sparkasse Altötting-Mühldorf

Sparkasse Altötting-Mühldorf is a public-law savings bank serving the districts of Altötting and Mühldorf am Inn in Bavaria and is part of the Sparkassen-Finanzgruppe. It offers retail and business banking including current accounts, savings products, consumer and mortgage lending, payments, and corporate financing, with investment and securities services provided through group partners such as DekaBank and building society products via LBS. Customers have access to branch-based advisory, online banking, and the Sparkasse mobile app, with common two-factor TAN procedures (e.g., chipTAN, pushTAN). Payment options include the Sparkassen-Card (girocard) and credit cards (Mastercard/Visa) issued via the group, support for card-based mobile payments through the Sparkasse app and major digital wallets where available, and cash withdrawals across the national Sparkassen ATM network; fees may apply for out-of-network withdrawals and foreign transactions. Business clients can use services such as cash management, POS terminals, and EBICS-based online banking. Pricing is set by account package and usage, with monthly account fees and transaction-related charges disclosed in the price list; credit products are subject to credit checks and variable conditions. SEPA payments, including real-time transfers where enabled, are supported. Deposits are protected by the institutional protection scheme of the Sparkassen-Finanzgruppe, which is recognized as a deposit guarantee scheme under EU rules (generally up to 100,000 euros per depositor per institution); the bank is subject to supervision under German law by the relevant authorities. Services are primarily oriented to customers in the region and are predominantly provided in German.