Sparkasse Bayreuth products, services and reviews

About Sparkasse Bayreuth

Sparkasse Bayreuth is a German public-law savings bank serving the city and district of Bayreuth in Bavaria. Its portfolio covers retail and business banking, including current accounts, savings products, debit and credit cards, overdrafts and consumer loans, mortgage financing, securities brokerage and investment plans via group partners, insurance mediation, and merchant payment services. Access is provided through a regional branch network, ATMs within the nationwide Sparkassen network, online banking, and the Sparkasse mobile apps with PSD2-compliant strong customer authentication (e.g., chipTAN and pushTAN), secure messaging, and e-statements; support for mobile wallets such as Apple Pay or Google Pay depends on card type and eligibility. Pricing is structured by account package with monthly maintenance fees and defined service allowances; charges may apply for non-network ATM withdrawals, paper-based transactions, instant transfers, foreign transactions, and card services, with the official price and service schedule (Preis- und Leistungsverzeichnis) governing conditions. SEPA payments in euro and international transfers via SWIFT are available subject to fees and cut-off times. Deposits are protected within the institutional protection scheme of the Sparkassen-Finanzgruppe, recognized under EU rules and designed to prevent insolvency while meeting statutory coverage requirements for eligible deposits. The bank is supervised by BaFin and the Deutsche Bundesbank and operates under the regional public mandate typical of German savings banks. Business banking includes accounts, lending, cash management, POS solutions, and public-sector services. Account opening generally requires standard identification and residency checks, with in-branch and selected digital onboarding options. Customer service is provided via branches, phone, and digital channels; opening hours, limits, and processing times vary by location and product.