Sparkasse Hochrhein products, services and reviews

About Sparkasse Hochrhein

Sparkasse Hochrhein is a public-law savings bank (Sparkasse) based in Waldshut-Tiengen serving the Hochrhein region of Baden-Württemberg. It offers standard retail and business banking, including current accounts with tiered pricing, youth and student accounts, savings products, term deposits, and custody accounts for securities. Payment services cover SEPA transfers, standing orders, direct debits, a girocard (debit) as standard, and optional credit cards (Visa/Mastercard), with fees depending on the chosen account model; cash withdrawals at non-Sparkassen ATMs typically incur charges, while withdrawals at Sparkassen ATMs in Germany are generally included. Digital banking is available via online banking and the Sparkassen app (iOS/Android) with pushTAN or chipTAN authentication; electronic statements and basic self-service functions at ATMs and kiosks are standard. Lending includes overdrafts (Dispo), consumer installment loans, and mortgage financing, with home-building products commonly arranged through LBS, and promotional loans (e.g., KfW) available where eligibility criteria are met; interest rates and approval depend on creditworthiness. Investment and securities services include DekaBank funds, brokerage for shares/ETFs/bonds, and savings plans, subject to custody and transaction fees; insurance products are available via Sparkassen-Finanzgruppe partners such as SV SparkassenVersicherung. Business customers can access business accounts, acquiring and POS solutions, working-capital and investment financing, and leasing through group partners. Deposits are protected by the institutional protection scheme of the Sparkassen-Finanzgruppe, which is recognized as a deposit guarantee scheme under German law and covers up to 100,000 EUR per depositor; the institutional protection also aims to prevent member insolvency but does not create an individual legal claim beyond statutory coverage. The bank operates branches and self-service locations across its region and is supervised under German banking regulation (BaFin/Deutsche Bundesbank). Fees, interest rates, product availability, and service hours vary by account type and customer profile and are subject to change; services are primarily offered in German.