Sparkasse Duisburg products, services and reviews

About Sparkasse Duisburg

Sparkasse Duisburg is a public-law savings bank serving the city of Duisburg and surrounding areas as part of the Sparkassen-Finanzgruppe. It offers retail and business banking, including current accounts in multiple packages with monthly maintenance fees, youth and student options, savings products, building society savings via LBS, investment funds distributed through Deka, mortgages, personal loans, overdraft facilities, and business accounts with cash management, POS solutions, and financing. Customers can use the Sparkassen ATM network for withdrawals and cash deposits at designated machines; cards include girocard and Visa/Mastercard credit cards with contactless capability and support for common mobile wallets such as Apple Pay and Google Pay. Digital banking is available via web banking and the Sparkasse app with pushTAN or chipTAN for two-factor authentication; standard features include account overview, SEPA and international transfers (where enabled), instant transfers where offered, standing orders, giropay, multibanking for external accounts, and an electronic mailbox for documents. Service is provided through local branches in Duisburg, self-service areas, a phone hotline, and secure messaging in online banking; advisory appointments can be arranged in person or remotely. Pricing depends on the chosen account model and usage; fees may apply for third-party ATM withdrawals, foreign cash withdrawals and card payments, card issuance and annual packages, instant transfers, paper-based orders, and replacement services, while overdraft interest is variable and subject to change. Deposits are protected within the Institutional Protection Scheme of the German Savings Banks Finance Group, which is recognized as a deposit guarantee scheme; investment products are subject to market risk and product-specific costs. Eligibility, features, and terms vary by product; current conditions are published by the bank and available upon request.