Sparkasse Muldental products, services and reviews

About Sparkasse Muldental

Sparkasse Muldental is a public-law savings bank serving the Muldental region in Saxony, operating a local branch and ATM network in towns such as Grimma and Wurzen and offering standard retail and business banking under the Sparkassen-Finanzgruppe umbrella. The product range covers current accounts with model-based monthly fees, savings and term deposits, overdrafts, consumer loans, mortgage and construction finance, and services for self-employed, SMEs, and municipalities including working capital, investment loans, guarantees, and public funding programs (e.g., KfW-supported lending). Payment services include SEPA transfers, standing orders, direct debits, debit cards, and access to the nationwide Sparkassen ATM network; withdrawals at third-party ATMs typically incur charges. Online and mobile banking are provided via the Sparkassen online portal and app with two-factor authentication options such as pushTAN or chipTAN; businesses can use EBICS. Mobile and contactless payments are supported through the Sparkassen app and, where available, common wallets. Securities and investment services are available through group partners (e.g., DekaBank), alongside building society savings via LBS and insurance from regional public insurers. Accounts generally require identification under German AML rules via branch, VideoIdent, or PostIdent, and pricing is set out in the bank’s Preis- und Leistungsverzeichnis. Deposits are protected by the German statutory deposit guarantee up to 100,000 euros per depositor per bank and by the institutional protection scheme of the Sparkassen-Finanzgruppe, which aims to prevent insolvency. Product availability, fees, and interest conditions vary by account model and are subject to change.