Sparkasse Bodensee products, services and reviews

About Sparkasse Bodensee

Sparkasse Bodensee is a municipally owned German savings bank (Anstalt des öffentlichen Rechts) operating in the Lake Constance region of Baden‑Württemberg and part of the Sparkassen-Finanzgruppe. It offers retail and business banking, including tiered current accounts with monthly maintenance fees, youth/student and basic accounts, a Girocard debit and optional Visa/Mastercard credit cards with annual fees, contactless and mobile wallet support, and access to the nationwide Sparkassen ATM network (charges generally apply at non-network and foreign ATMs, and for foreign currency transactions). Payments include SEPA transfers and direct debits, standing orders, SEPA Instant where available, P2P via giropay, and international SWIFT transfers; online and mobile banking are provided with two-factor authentication (e.g., pushTAN or chipTAN), electronic statements, and budgeting functions. Savings and investment options typically include instant-access and term deposits when offered, regular savings plans, building society products via LBS, and securities custody with funds and ETFs distributed via DekaBank and the Sparkassen broker channel; securities carry market risk and are not covered by deposit insurance. Lending spans overdrafts, unsecured consumer loans, vehicle financing, and mortgage financing including access to promotional programs (e.g., KfW), while business clients can access current accounts with tiered pricing, payment acceptance (POS terminals and e-commerce), cash management/EBICS, working capital and investment loans, guarantees, and leasing via group partners. Insurance brokerage is available through regional Sparkassen insurers, and advisory is delivered via branches, phone, and digital channels; the branch and self-service network covers its local catchment area, with cash deposit machines at selected sites and service hours that vary by location. Pricing is set out in the Preis- und Leistungsverzeichnis; electronic transactions are usually lower cost than over-the-counter services, and paper statements and manual transactions may incur additional fees; interest rates and fees change and should be confirmed against the current schedule. Account opening typically requires a German address, standard KYC, and identification via VideoIdent or PostIdent; business accounts require appropriate corporate documentation. Sparkasse Bodensee is supervised by BaFin and the Deutsche Bundesbank and participates in the institutional protection scheme of the German Savings Banks Finance Group, which also fulfills the statutory deposit guarantee of up to 100,000 EUR per depositor; investment and certain insurance products are excluded from deposit protection.