Sparkasse Oberland products, services and reviews

About Sparkasse Oberland

Sparkasse Oberland is a German public savings bank serving the Oberland region of Bavaria as part of the Sparkassen-Finanzgruppe. It maintains a local branch and self-service network and offers standard retail and business banking: current accounts (various models with monthly maintenance fees and package-specific services), savings and term deposits, cards (girocard and Mastercard/Visa debit and credit), domestic and cross‑border payments (SEPA and, where available, instant transfers), and cash services. Lending covers consumer loans, overdrafts, mortgages and construction financing, and SME financing including promotional programs (e.g., KfW mediated loans). Investment and securities services are provided through group platforms such as Deka investment funds and brokerage access; insurance is distributed via Sparkassen-affiliated insurers. Digital banking is available via web and the Sparkassen app with PSD2-compliant two‑factor authentication (e.g., pushTAN or chipTAN), card controls, standing orders, e‑postbox, and brokerage access, with Apple Pay and Google Pay supported for eligible cards; identification is handled in branch or via video ident. Pricing is published in fee schedules and typically includes account package fees, per‑transaction charges on certain models, card fees, overdraft and lending interest, securities and custody fees, and charges for third‑party ATM withdrawals and foreign usage; business accounts follow separate tariffs. The bank participates in the Sparkassen ATM alliance (over 20,000 ATMs nationwide) and provides cash deposit machines at selected locations; acceptance and availability may vary by branch. As an institution under public law operating under the regional principle, its activities focus on private customers, freelancers, SMEs, and municipal entities in its market area. Deposits are protected through the institutional protection scheme (Haftungsverbund) of the Sparkassen-Finanzgruppe, recognized under EU rules and aligned with statutory deposit protection (generally up to 100,000 EUR per depositor); the scheme focuses on preventing insolvency of member institutions. Service is provided via branches, hotline, secure messaging, and, where offered, video consultation; service hours and product conditions can vary by location and customer profile.