Sparkasse Emsland products, services and reviews

Rating, reviews, address, contact info, branches, phone numbers, fixed deposits, savings and card accounts offered by Sparkasse Emsland

Special offer
Protected up to €100K
Free maintenance
Up to

3.80%

Annual fee

Free

Cashback

No

Interest rates up to 3.80%

Open and manage directly on PickTheBank Platform

Terms from 3 months to 5 years

Annual interest payments

Protected by Deposit Guarantee System up to 100.000 EUR

bank1954DE

Sparkasse Emsland

4.1

Germany

Credit ratings

Deposit Guarantee Scheme (DGS)

Deposit Guarantee Scheme (DGS) member. Deposits up to €100k per person are covered

S&P

-

Moody’s

-

Fitch

A+

About Sparkasse Emsland

Sparkasse Emsland is a regional German savings bank for the Emsland district in Lower Saxony, organized under public law and part of the Sparkassen-Finanzgruppe. It operates a local branch and self-service network with access to the nationwide Sparkassen ATM alliance and provides retail and business banking including current accounts with tiered pricing, girocard and debit/credit cards, SEPA transfers and direct debits, online and mobile banking with two-factor authentication (pushTAN/chipTAN), and support for common mobile wallets where available. The product set covers overdraft facilities, consumer loans, mortgages, financing for self-employed and SMEs, savings and term deposits, and securities services such as custody accounts and fund/ETF savings plans via group providers; building society savings and insurance products are distributed through affiliated partners within the group. Corporate and public-sector offerings include payment solutions, cash management, and acquisition of card payments for point-of-sale and e-commerce. Pricing typically involves monthly account maintenance fees depending on the package, charges for cards and paper-based services, and fees for out-of-network ATM withdrawals or international payments; interest rates for deposits and overdrafts vary by product and market conditions, and details are set out in the bank’s current price and service list. Cross-border payments are available via SEPA and SWIFT with standard foreign exchange and transfer fees. Customer service is delivered through branches, hotline, secure online mailbox, and digital advisory options, with identification and contract conclusion possible in person or via video processes. Deposits are protected by the institutional protection scheme (Haftungsverbund) of the Sparkassen-Finanzgruppe, which is recognized under EU rules and provides coverage in line with the statutory limit of up to 100,000 EUR per depositor while aiming to prevent insolvency within the group. The institution is subject to German and EU regulation (BaFin/Bundesbank supervision, PSD2, MiFID II), publishes required disclosures, and updates terms and conditions periodically; prospective customers should verify the exact account model pricing, card variants and annual fees, mobile wallet compatibility, any charges for instant transfers, brokerage and custody fees, overdraft interest, and local branch availability before opening an account.

Sparkasse Emsland Deposit guarantee scheme participation

Sparkasse Emsland participates in the deposit guarantee scheme of Germany which applies to all deposit accounts made by natural persons, legal entities and covers up to up to 100,000 EUR (or equivalent in local currency) per bank per depositor.

Sparkasse Emsland Countries of operations

Sparkasse Emsland offers their savings products in Germany

Products offered by Sparkasse Emsland and interest rates

Sparkasse Emsland offers 5 deposits and 1 savings accounts in EUR.

Sparkasse Emsland offers the following fixed deposits in EUR in Germany: 0 months deposit - 0.2%; 12 months deposit - 0.8%; 24 months deposit - 1.2%; 36 months deposit - 1.6%.

Best interest rates in Germany

12 mths Fixed deposits

3.3%

USD

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24 mths Fixed deposits

2%

EUR

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36 mths Fixed deposits

2%

EUR

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Fixed deposits offered by Sparkasse Emsland

Sales region:

Savings accounts offered by Sparkasse Emsland

Sales region:

Interest rate

Annual fee

Cashback

0.20%EUR

-No

Loans offered by Sparkasse Emsland

There are no products yet

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Contacts

Address

Rathausstraße 8, 04668 Grimma, Germany

Phone number

+49 3437 929 0

Website

sparkasse-emsland.de

Bank identifiers

BIC number

NOLADE21EMS

Name

Sparkasse Emsland

Country

Germany