Sparkasse Bad Oeynhausen - Porta Westfalica, Zweckverbandssparkasse der Städte Bad Oeynhausen und Porta Westfalica products, services and reviews

About Sparkasse Bad Oeynhausen - Porta Westfalica, Zweckverbandssparkasse der Städte Bad Oeynhausen und Porta Westfalica

Sparkasse Bad Oeynhausen – Porta Westfalica (Zweckverbandssparkasse der Städte Bad Oeynhausen und Porta Westfalica) is a municipal savings bank in North Rhine-Westphalia and part of the Sparkassen-Finanzgruppe. Owned by the cities of Bad Oeynhausen and Porta Westfalica, it operates branches and self-service locations across the local area and provides nationwide cash access via ATMs of the Sparkassen-Finanzgruppe. The bank offers current accounts with fee-based models, savings and term deposits, debit cards (girocard) and credit cards, SEPA transfers and standing orders, and—depending on the account—SEPA Instant Credit Transfers; Apple Pay and Google Pay are supported. Retail lending includes overdrafts and consumer loans, as well as mortgage financing and building society products via LBS; securities custody and investment funds are available through group partners such as DekaBank and S Broker. For businesses and municipalities, services cover business accounts, payments and cash management, financing for working capital and investment, and merchant services and terminals via Sparkassen-Finanzgruppe providers; leasing solutions are typically offered through affiliated group companies. Digital banking is available via online banking and the Sparkasse mobile app with two-factor authentication (pushTAN or chipTAN), e-statements, and secure messaging; appointments can be arranged for in-person or remote advisory. As part of the Sparkassen-Finanzgruppe’s institutional protection scheme recognized under the EU Deposit Guarantee Scheme, eligible deposits are protected up to 100,000 EUR per depositor, with additional institutional support aimed at preventing insolvency. The bank publishes fees and conditions in its Preis- und Leistungsverzeichnis and provides a legally mandated basic payment account (Basiskonto) in line with German regulations. Supervision is conducted by BaFin and the Deutsche Bundesbank.