Sparkasse Hegau-Bodensee products, services and reviews

About Sparkasse Hegau-Bodensee

Sparkasse Hegau-Bodensee is a German public-law savings bank serving the Hegau and Lake Constance region in Baden-Württemberg, operating within the Sparkassen-Finanzgruppe and subject to the regional savings bank act. It focuses on retail, small-business, and public-sector banking, offering current accounts, savings and term deposits, payment services, and cash supply via local branches and ATMs in its service area. Standard lending products include overdrafts, consumer loans, and mortgage financing; for businesses, it provides operating accounts, cash management, financing solutions, and access to group partners for leasing and merchant services. Securities savings plans and investment funds are distributed via Sparkassen group providers such as DekaBank, with brokerage available through the group’s online platform; building society savings and home finance and insurance products are offered with affiliated Sparkassen partners. Digital banking is provided through online banking and the Sparkasse mobile app with two-factor authentication options such as pushTAN or chipTAN; card payments, contactless functions, and support for common mobile wallets (e.g., Apple Pay and Google Pay, subject to device and card eligibility) are available. SEPA transfers, standing orders, and direct debits are supported; international transfers and foreign currency services are offered on a fee basis. Pricing follows the bank’s schedule of prices and services, typically including monthly account fees and charges for certain transactions or services; withdrawals at non-Sparkassen ATMs may incur fees. Deposits are protected by the institutional protection scheme of the Sparkassen-Finanzgruppe, which includes statutory coverage up to the applicable legal limits. Account opening requires standard identification under German AML and KYC rules and may be completed in branch or digitally, depending on product and eligibility. Conditions, interest rates, and credit decisions depend on individual factors and are set out in the bank’s current terms.