Sparkasse Hanauerland products, services and reviews

About Sparkasse Hanauerland

Sparkasse Hanauerland is a regional savings bank under public law serving the Hanauerland area around Kehl in Baden‑Württemberg, operating within the Sparkassen-Finanzgruppe and focusing on retail and small to medium-sized business banking. It offers current accounts, savings products, term deposits, consumer and mortgage loans, and payment services, alongside business accounts, corporate financing, POS solutions and merchant services via group partners, and cash management with online channels that include two-factor authentication (pushTAN/chipTAN) and EBICS for companies. Customers have access to the Sparkassen ATM network for cash withdrawals with a girocard; withdrawals at third-party ATMs typically incur fees. Account packages generally carry monthly management fees that vary by model and included services, with separate charges possible for cards, overdrafts, and additional features; youth or student conditions may differ. Card options include a girocard for domestic payments and optional credit or debit cards (Visa/Mastercard) with annual fees and foreign usage charges; contactless payments and mobile wallet integration are available depending on card and device. Securities services are provided through the group, including custody accounts and Deka investment funds, and complementary products such as building society savings (LBS) and insurance (SV SparkassenVersicherung) are accessible. Branches and self-service terminals cover the local area, with appointment-based advisory and limited counter hours compared with digital channels; SEPA transfers and international payments via SWIFT are supported. The bank is supervised by BaFin and the Deutsche Bundesbank, is a member of the regional Sparkassen association, and participates in the Sparkassen-Finanzgruppe’s institutional protection scheme; deposits are covered by the statutory guarantee up to 100,000 EUR per depositor under EU rules, with institutional protection aimed at preventing insolvency. Prices, interest rates, and conditions are set out in the Preis- und Leistungsverzeichnis and pre-contractual disclosures, and customers should review current terms for account fees, overdraft rates, card costs, and ATM usage before choosing a product.