Sparkasse Aschaffenburg- Alzenau products, services and reviews

About Sparkasse Aschaffenburg- Alzenau

Sparkasse Aschaffenburg-Alzenau is a German public savings bank (Anstalt des öffentlichen Rechts) serving the city and district of Aschaffenburg and the Alzenau area. It provides retail and small-business banking, including current accounts (Girokonten), savings and term deposits, overdrafts, consumer loans, mortgages, and payment cards (girocard and credit cards). Account packages generally involve monthly maintenance fees; youth and student variants are typically available; pricing, interest, and overdraft rates are detailed in the bank’s price and service list. Customers have access to cash services and a regional branch/ATM network; withdrawals at Sparkassen-Finanzgruppe ATMs are usually free for account holders, while third-party ATM use can incur fees. Digital banking via online banking and the Sparkasse app supports SEPA transfers, standing orders, contactless payments, and two-factor authentication (chipTAN/pushTAN); compatibility with mobile wallets depends on the card product. Business banking covers accounts, liquidity services, merchant acceptance and terminals, and lending for working capital, equipment, and real estate, subject to credit assessment. Investment and securities services are available through group partners such as DekaBank and S Broker; home savings contracts are offered via the Landesbausparkassen network; insurance products are distributed through insurers within the Sparkassen-Finanzgruppe. The bank is part of the Bavarian regional Sparkassen association and the Sparkassen-Finanzgruppe, operates under German banking regulation and prudential supervision, and participates in the group’s institutional protection scheme, which is recognized under EU law and is designed to protect member institutions and customer deposits. Account opening typically requires valid identification and proof of address; options for non-residents may be limited. Service is provided in-branch, by phone, and via secure online messaging, with appointment booking available. Offerings focus on households, the self-employed, and SMEs in the local area; conditions and fees change over time, so prospective customers should review the current schedule of terms and disclosures.