Sparkasse Oder-Spree products, services and reviews

About Sparkasse Oder-Spree

Sparkasse Oder-Spree is a public-law savings bank serving private, corporate, and public-sector clients in the Oder-Spree district of Brandenburg. As part of the Sparkassen-Finanzgruppe, it offers current accounts, savings and term deposits, debit and credit cards, consumer lending, mortgage financing, securities custody and trading, investment funds via group partners, building savings contracts, and insurance brokerage, alongside payment services, cash management, and POS/e-commerce solutions for businesses. Banking is available through local branches and advisory centers, online banking and the Sparkassen app, with access to cash via the nationwide Sparkasse ATM network; service hours, cash handling, and safe-deposit availability vary by location. Account packages generally carry monthly maintenance fees with pricing that depends on the model and eligibility (e.g., youth or student variants); additional fees can apply for paper statements, out-of-network or foreign cash withdrawals, and certain transfer types. Standard security features include strong customer authentication for digital channels and card controls in the app. Transfers use SEPA, with standing orders and scheduled payments supported; instant payments are available where enabled. Deposits are protected within the Sparkassen-Finanzgruppe institutional protection scheme, recognized as a statutory deposit guarantee up to 100,000 EUR per depositor, with additional institutional safeguards. The bank is subject to German banking supervision. Product availability, conditions, and interest rates are set locally and change over time; applications are subject to identity verification and credit checks where relevant.