Sparkasse Fürth products, services and reviews

About Sparkasse Fürth

Sparkasse Fürth is a public-law savings bank serving the city and district of Fürth in Bavaria and is part of the Sparkassen-Finanzgruppe. It offers retail and business current accounts, savings and term deposits, payment cards (girocard and optional credit cards), consumer loans, mortgages and construction financing, securities custody and brokerage (typically via DekaBank), home-savings products (via LBS) and insurance solutions through group partners, as well as real estate brokerage. Access is via a local branch network with ATMs and self-service terminals, online banking, and mobile apps (including pushTAN for two-factor authentication); contactless payments and integration with Apple Pay and Google Pay are available for supported cards and devices. Standard payment services include SEPA transfers and direct debits, standing orders, international transfers (SWIFT) subject to fees, and in many cases real-time transfers for an extra charge; cash withdrawals are generally free for customers at ATMs within the nationwide Sparkassen network, with fees possible at third-party machines and for foreign currency transactions. Account packages carry monthly maintenance fees that vary by model, with different inclusions for digital vs. branch transactions; fees typically apply to paper-based orders, additional cards, credit card annual usage, instant payments, and out-of-network cash withdrawals, while discounted or free models for students or young customers may be available. Business banking covers business accounts with tiered pricing, merchant services and POS terminals, e-commerce acquiring, cash management, and financing for working capital and investment, with access to leasing and factoring through group companies. Accounts can usually be opened in branch or online using VideoIdent/PostIdent, subject to standard identification and residency checks; service is primarily in German. Security features include two-factor authentication (chipTAN/photoTAN/pushTAN), transaction signing, and device binding, with configurable transfer limits. As a member of the Sparkassen-Finanzgruppe’s institutional protection scheme (Haftungsverbund), Sparkasse Fürth is covered by the system recognized under EU rules; deposits are protected up to 100,000 EUR per depositor according to statutory requirements, and the scheme is designed to prevent insolvency. Pricing, interest rates, and availability of specific features are set locally and published in the bank’s price list and terms.