Sparkasse Bad Kissingen products, services and reviews

About Sparkasse Bad Kissingen

Sparkasse Bad Kissingen is a public-law savings bank serving the Bad Kissingen district in Bavaria, with a regional focus on retail customers, small and midsize enterprises, and municipal clients. It offers standard German retail banking products, including current accounts with tiered pricing, savings and term deposits, overdrafts, consumer loans, mortgages, and cards (Girocard debit and optional credit cards), alongside securities custody and brokerage routed through Sparkassen-Finanzgruppe partners such as DekaBank, and home savings products via LBS. Corporate and public-sector services cover payments, liquidity, lending, and financing. Access is provided through local branches, self-service terminals, online banking and the Sparkasse mobile app, with two-factor authentication under PSD2; SEPA payments, standing orders, and real-time transfers are available where supported. Customers can use the nationwide Sparkassen ATM network; withdrawals at third-party ATMs may incur fees. Digital wallets such as Apple Pay and Google Pay are generally available within the group depending on card type. Pricing, interest rates, and service conditions are published in the Preis- und Leistungsverzeichnis; overdraft and transaction fees apply according to the chosen account model. The bank is supervised under German banking regulation and belongs to the institutional protection scheme of the Sparkassen-Finanzgruppe, which aims to prevent member insolvency and also fulfills the statutory deposit guarantee of up to EUR 100,000 per depositor. Account opening typically requires standard KYC documentation and local eligibility; product availability and terms vary by profile.