Sparkasse Mecklenburg-Strelitz products, services and reviews

About Sparkasse Mecklenburg-Strelitz

Sparkasse Mecklenburg-Strelitz is a German public-law savings bank in the Sparkassen-Finanzgruppe that provides retail and business banking in its regional market. It offers current accounts with tiered monthly fees, optional overdrafts, and separate charges for paper-based transactions, cash services, and extras such as additional cards or paper statements; cash withdrawals with the bank’s girocard are typically free at Sparkassen ATMs nationwide, while third‑party ATM use may incur fees. Payment services include SEPA transfers, standing orders, and real-time transfers, plus a girocard and, depending on the account, a Debit Mastercard, Visa Debit, or credit card; contactless payments, 3D Secure for online purchases, Apple Pay and Google Pay for eligible cards, and giropay are supported. Digital banking is available via web and the Sparkassen app, with two-factor methods such as pushTAN or chipTAN, multi-banking to view external accounts, card controls, ePostbox for statements, and notifications; online account opening is offered for selected products with video identification, subject to residency and compliance checks. The bank provides consumer loans, revolving and installment credit, and mortgage and construction financing, including access to promotional programs (e.g., KfW) and building-society products via LBS; for savings and investments it offers savings accounts, term deposits, securities custody, and investment funds and ETF savings plans distributed with DekaBank, with fees disclosed in the custody and product cost schedules. Business customers can open fee-based business accounts, use POS terminals and e-commerce acquiring, receive corporate cards, and access liquidity management and financing for SMEs and public-sector entities. Service is delivered through a regional branch and self-service network, remote channels (hotline, secure messaging), and appointment booking. Sparkasse Mecklenburg-Strelitz is supervised by BaFin and the Deutsche Bundesbank; deposits are protected by the institutional protection scheme of the Sparkassen-Finanzgruppe, which also fulfills statutory deposit-guarantee requirements up to 100,000 euros per depositor. Pricing, interest rates, and product availability are set locally and subject to change; conditions depend on individual circumstances and creditworthiness, with full details provided in the bank’s price list and product terms.