Sparkasse Holstein products, services and reviews

About Sparkasse Holstein

Sparkasse Holstein is a public-sector savings bank serving the Ostholstein and Stormarn region in Schleswig-Holstein and is part of the Sparkassen-Finanzgruppe. Its product range covers retail and business banking, including current accounts, savings and term deposits, securities custody and trading with access to DekaBank funds, consumer loans and overdrafts, mortgages, and financing and cash management solutions for SMEs. Account models differ by included services and monthly fees, with concessions for young customers; pricing and interest conditions are set out in the Preis- und Leistungsverzeichnis. Access channels include branches, advisory offices, self-service foyers, online banking with chipTAN or pushTAN, and the Sparkasse mobile app; cards offered include girocard and credit/debit cards, with support for Apple Pay, Google Pay, and 3‑D Secure (S-ID-Check). Cash withdrawals are generally free for customers at ATMs across the Sparkassen network; cash deposit and coin services are available at selected locations. Investment, building society savings, and insurance products are distributed via group partners such as Deka and LBS as well as regional insurers within the Sparkassen network. 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. The institution operates under German banking supervision (BaFin and Deutsche Bundesbank) and is a member of the Deutscher Sparkassen- und Giroverband. Branch availability and service hours vary by location, with phone and video advisory options provided.