Sparkasse Deggendorf products, services and reviews

About Sparkasse Deggendorf

Sparkasse Deggendorf is a public-law savings bank serving the Deggendorf district in Bavaria and is part of the Sparkassen-Finanzgruppe. Its product set covers retail and business banking, including current accounts, savings and term deposits, consumer and mortgage loans, SME financing, payment services, and securities custody with access to investment products offered within the group. Customers can use local branches, online banking, and the Sparkasse mobile app with chipTAN or pushTAN authentication; contactless and mobile payments are supported depending on card type. Card offerings typically include a girocard (Sparkassen-Card) and, depending on the account, a debit or credit card from international schemes; cash withdrawals are available at Sparkassen ATMs across Germany and fees may apply at third-party machines. Account maintenance and service fees vary by account model and usage, and certain transactions or paper-based services can incur additional costs. The bank operates under German regulation and participates in the Sparkassen-Finanzgruppe’s institutional protection scheme; statutory deposit protection of up to EUR 100,000 per depositor per bank applies. Account opening generally requires valid identification and a German address, and credit products are subject to affordability and credit checks. Customer service is available via branch appointments, phone, and digital channels, with remote advisory options offered in some cases. The institution focuses on its regional market rather than a nationwide direct model, which influences product availability, pricing, and service hours.