Sparkasse Regensburg products, services and reviews

About Sparkasse Regensburg

Sparkasse Regensburg is a public-law savings bank (Anstalt des öffentlichen Rechts) serving the city and district of Regensburg and operating within the Sparkassen-Finanzgruppe. It focuses on regional retail and SME banking, offering current accounts, savings and term deposits, consumer loans and overdrafts, mortgage and construction financing, as well as business accounts and lending. Payment services include domestic SEPA transfers and standing orders, international transfers via SWIFT, and card products such as the Sparkassen-Card (girocard) and Mastercard/Visa credit or debit cards; contactless payments and mobile wallets (including Apple Pay and Google Pay) are supported. Access is provided through a local branch and self-service network, the nationwide Sparkassen ATM network, online banking, and the Sparkasse app with common two-factor options (pushTAN/chipTAN); video and in-branch advisory are available. Investment and securities services are offered via group partners (e.g., custody accounts and investment funds through DekaBank), alongside building society contracts (LBS) and insurance brokerage (regional Sparkassen partner), with leasing and factoring options available through affiliated providers. Accounts are typically available under several pricing packages with monthly fees; charges may apply for out-of-network cash withdrawals, foreign card transactions, securities orders and custody, and cross-border payments, as detailed in the bank’s schedule of prices and services; interest rates and fees vary by product and are subject to change. Standard German identification and residency requirements apply to account opening, which can be conducted in branch or, for eligible applicants, online using video identification. The bank is supervised by BaFin and the Deutsche Bundesbank and is a member of the Sparkassen-Finanzgruppe Institutional Protection Scheme (Haftungsverbund), an EU-recognized protection system that safeguards customer deposits in line with applicable law and is designed to prevent member insolvencies; details on coverage, limits, and exclusions are provided in the depositor information sheet. Customer support is available via branches, phone, and secure online messaging; complaints can be escalated through the bank’s process and, if unresolved, to the Sparkassen ombudsman scheme. Information and documentation are primarily provided in German, with selected services available in English.