Sparkasse Laubach-Hungen products, services and reviews

About Sparkasse Laubach-Hungen

Sparkasse Laubach-Hungen is a public-law savings bank based in Hesse serving the towns of Laubach and Hungen and the surrounding area as part of the Sparkassen-Finanzgruppe. It provides retail and business banking including current accounts (with tiered account models), savings products, time deposits, securities custody and brokerage (typically via DekaBank), and insurance products through group-affiliated providers. Payment services cover SEPA transfers, direct debits, standing orders, and card payments; debit and credit cards are available, including contactless options, and common mobile wallets are supported for eligible cards. Lending includes overdrafts, consumer loans, car financing, and home financing, with access to KfW-backed programs where applicable; credit products are subject to standard affordability and Schufa checks. Digital banking is delivered through the Sparkasse online banking platform and mobile apps, with two-factor authentication via pushTAN or chipTAN, e-statements, and PSD2-compliant access for third-party providers. Distribution is centered on a small local branch network and service hours set by each location, supplemented by phone and online channels; customers have access to the nationwide Sparkassen ATM network, while withdrawals at third-party ATMs and certain over-the-counter services can incur fees as listed in the bank’s Preis- und Leistungsverzeichnis. Account opening is available online or in branch for eligible customers, typically requiring a German address and identification via VideoIdent or PostIdent; non-resident options are limited. Deposits are covered by the institutional protection scheme of the Sparkassen-Finanzgruppe (Haftungsverbund), and the bank is subject to oversight by BaFin and the Deutsche Bundesbank. Typical constraints include a limited geographic footprint, account maintenance and card fees compared with online-only banks, and German as the primary service language. Conditions, fees, and product availability change regularly; consult the current price list and terms before applying.