Sparkasse Südholstein products, services and reviews

About Sparkasse Südholstein

Sparkasse Südholstein is a public-law savings bank operating across southern Schleswig-Holstein as part of the Sparkassen-Finanzgruppe, offering retail and business banking through a regional branch network, self-service terminals, and online and mobile channels. Standard products include current accounts with tiered pricing, savings and term deposits, overdrafts and consumer loans, mortgage and construction finance, and business banking with payments, liquidity management, and financing, including access to promotional loans from institutions such as KfW and the state development bank (IB.SH). Securities services are provided via the group’s infrastructure (e.g., DekaBank and the Sparkasse broker platform), building-society contracts via LBS, insurance solutions via the Sparkassen partner in the region (Provinzial), and leasing via Deutsche Leasing; real estate brokerage and safe deposit boxes are available where offered. Cards typically include a girocard and optional Mastercard or Visa; customers can use the nationwide Sparkassen ATM network and may incur fees at third-party ATMs or abroad. Digital banking supports SEPA transfers, standing orders, and PSD2-compliant strong customer authentication with pushTAN and chipTAN; Apple Pay and Google Pay are supported for eligible cards, and instant SEPA payments may be available depending on the account and fee schedule. Pricing generally covers monthly account management, card issuance, and selected transactions, with separate schedules for business accounts; youth and student offerings may have different conditions. International services include SEPA and SWIFT transfers, foreign currency orders, and travel-related insurance when included with specific card packages. The institution is supervised by BaFin and the Deutsche Bundesbank and participates in the Sparkassen-Finanzgruppe’s institutional protection scheme recognized under the EU Deposit Guarantee Schemes Directive, which provides statutory coverage up to 100,000 euros per depositor while aiming to prevent institutional distress. Service is primarily in German, with appointment-based advisory available on-site, by phone, or via video; the bank has been expanding digital processes and consolidating physical service points in line with sector trends. Customers should review the current price list, product terms, and regional availability before opening accounts or using specific services.