Sparkasse Rastatt-Gernsbach products, services and reviews

About Sparkasse Rastatt-Gernsbach

Sparkasse Rastatt-Gernsbach is a regional savings bank operating under public law within the German Savings Banks Finance Group, focused on retail, small-business, and municipal banking in the Rastatt/Gernsbach area. It offers standard German current accounts with package-based pricing, domestic SEPA transfers, and the option of instant payments where available; fees depend on the chosen model and are listed in the Preis- und Leistungsverzeichnis and fee information documents. Card products typically include a girocard (often co-badged for international use, e.g., Debit Mastercard or Visa Debit depending on issuance) and optional credit cards. Digital access is provided through the Sparkasse online banking stack and mobile app with two-factor security methods such as pushTAN or chipTAN; common mobile wallets are generally supported across the group. Cash services are available via the Sparkassen ATM network, with branch-based services and self-service terminals in the region; safe deposit boxes may be offered at selected sites. Lending covers consumer loans, mortgages, and financing for SMEs and local authorities; investment and securities services are available through Deka and group brokerage channels, and insurance is distributed via Sparkassen-affiliated providers. The bank applies the regional principle, so account opening and advisory are oriented to local residents and businesses; identification is completed via branch, VideoIdent, or PostIdent. Deposits are protected by the institutional protection scheme of the Sparkassen-Finanzgruppe, which fulfills EU deposit guarantee requirements (generally up to 100,000 EUR per depositor). The institution is supervised by BaFin and the Deutsche Bundesbank. Service is primarily in German; interest rates, fees, and product terms are subject to change and published by the bank.