Sparkasse Offenburg/Ortenau products, services and reviews

About Sparkasse Offenburg/Ortenau

Sparkasse Offenburg/Ortenau is a regional public-law savings bank serving Offenburg and the wider Ortenau district in Baden‑Württemberg, operating a network of branches and self-service terminals for cash withdrawals and deposits. It offers standard retail banking products including current accounts with tiered pricing models, savings options, youth and student accounts, overdrafts, consumer loans, and home financing, as well as securities custody and trading via the Sparkassen brokerage offering and investment funds from group partners such as DekaBank. Business clients can access accounts, payments, POS terminals and e-commerce acquiring, liquidity management, commercial lending, and advisory on public development programs (e.g., KfW/L‑Bank). Payment services cover SEPA credit transfers and direct debits, standing orders, instant transfers where enabled, domestic and international transfers via SWIFT, and card payments with girocard and optional Mastercard or Visa debit/credit products; mobile payments via Apple Pay and Google Pay are supported with compatible cards. Online banking is available via web and the Sparkassen app, with two-factor authentication (pushTAN or chipTAN), secure messaging, and appointment booking; video advisory is offered by many Sparkassen units, subject to local availability. Fees apply for account packages, cards, instant transfers, and third‑party ATM usage, with conditions depending on the chosen model and usage; the applicable price list governs details. Deposits are protected within the institutional protection scheme of the Sparkassen-Finanzgruppe. Customer service is provided through branches, telephone, and digital channels during published service hours. Real estate brokerage, insurance solutions via group partners, and pension planning complement the core offering. Clients should review current price lists, product terms, identification requirements, and credit checks before onboarding.