Sparkasse Schwaben-Bodensee products, services and reviews

About Sparkasse Schwaben-Bodensee

Sparkasse Schwaben-Bodensee is a public-law savings bank serving the Swabia and Lake Constance region, created in 2023 through the merger of Sparkasse Memmingen-Lindau-Mindelheim and Sparkasse Bodensee. It operates a broad branch and ATM network within the Sparkassen-Finanzgruppe and offers standard retail and SME banking: current accounts with tiered monthly fees, savings and term deposits, consumer and mortgage loans, debit (girocard) and optional credit cards, and securities custody with access to investment funds via group providers such as DekaBank. Digital banking includes web banking, the Sparkasse app, S-pushTAN and chipTAN security procedures, and support for common mobile wallets such as Apple Pay and Google Pay. Business customers have access to corporate accounts, payment acceptance (including POS terminals and e-commerce solutions), liquidity management, and financing options that can include programs from public development banks such as KfW. Insurance, building society savings (Bausparen), and pension products are available through Sparkassen group partners. Pricing varies by account model and service usage, with typical charges for paper statements, additional cards, or withdrawals outside the savings banks’ ATM network; overdraft interest applies where arranged. Deposits are protected by the institutional protection scheme of the Sparkassen-Finanzgruppe, which is recognized under German law and covers eligible deposits up to 100,000 EUR per depositor, with institutional support aimed at preventing insolvency. The bank is subject to German banking regulation and supervision. Product availability, conditions, and interest rates depend on customer profile and regional offerings, and customers should review the current price list and terms before opening accounts or concluding contracts.