Sparkasse Günzburg-Krumbach products, services and reviews

About Sparkasse Günzburg-Krumbach

Sparkasse Günzburg-Krumbach is a public-law savings bank serving private customers, small and mid-sized businesses, and public-sector institutions in the district of Günzburg, including Günzburg, Krumbach and surrounding municipalities. As part of the Sparkassen-Finanzgruppe, it offers standard retail and corporate banking services: current accounts with tiered pricing models, savings and investment products, consumer and housing finance, business loans and cash management, and payment services including girocard, credit cards and SEPA transfers. Securities brokerage and funds are provided via group partner DekaBank, building society savings and financing via LBS, and insurance solutions typically via Sparkassen-affiliated insurers in Bavaria. The bank operates a regional branch and self-service network with cash machines and service terminals; opening hours and available services vary by location, and advisory appointments are offered on site or remotely. Digital banking includes online banking and the Sparkasse mobile app with established TAN procedures (e.g., chipTAN and pushTAN) for authentication. Account maintenance fees, transaction charges outside the Sparkassen ATM network, credit card fees, and overdraft interest apply depending on the selected product; fee waivers or discounts may exist for youth or student accounts. Deposits are protected by the statutory deposit guarantee up to 100,000 euros per depositor and by the institutional protection scheme of the Sparkassen-Finanzgruppe. Product terms, eligibility and documentation requirements can differ by account type, and certain processes may require identity verification in person or via video.