Sparkasse Elmshorn products, services and reviews

About Sparkasse Elmshorn

Sparkasse Elmshorn is a public-law savings bank based in Elmshorn, Schleswig-Holstein, and part of the Sparkassen-Finanzgruppe. It offers retail and business banking services including current accounts, savings products, term deposits, consumer and mortgage lending, payment cards, and cash services, along with SME financing and commercial lending; investment and insurance products are provided directly or via group partners. Access is provided through local branches, online banking, and a mobile app, with cash withdrawals available across the nationwide Sparkassen ATM network and standard SEPA payments (transfers, standing orders, direct debits). Pricing is model-based, with account maintenance, card, and transaction fees that vary by package; separate fees and conditions apply to securities services and loans. Account opening requires standard identification under German anti-money-laundering rules and may be limited for non-residents. Deposits are protected by the institutional protection scheme of the Savings Banks Finance Group, recognized under German law, with statutory coverage up to 100,000 euros per depositor; the scheme is designed primarily to prevent bank failures. The bank is supervised by BaFin and the Deutsche Bundesbank and operates under regional savings bank regulation; offerings and fees can change, so customers should consult the current schedule of prices and services.