Sparkasse Unstrut-Hainich products, services and reviews

About Sparkasse Unstrut-Hainich

Sparkasse Unstrut-Hainich is a public-law savings bank serving the Unstrut-Hainich district in Thuringia and is part of the German Savings Banks Finance Group. It operates under the regional principle, focusing on retail clients, small and midsize businesses, and municipalities in its area. The product set is typical for a Sparkasse: current accounts with tiered maintenance fees, debit (girocard) and credit cards, overdraft facilities, consumer loans, mortgages, savings and term deposits, securities custody and investment funds via group partners (e.g., DekaBank), building society contracts via LBS, and insurance solutions from Sparkassen-affiliated providers. Payments include SEPA transfers, standing orders, card payments with 3-D Secure (S-ID-Check), and support for common mobile wallets such as Apple Pay and Google Pay where enabled. Access is through local branches and a large nationwide Sparkassen ATM network, online banking, and the Sparkasse mobile app with TAN procedures (pushTAN or chipTAN). Business customers get accounts, liquidity management, POS terminals and e-commerce acceptance via S-Payment partners, and financing options subject to credit checks. Accounts can be opened in branch or online using standard identification methods; documents, fee schedules, and interest rates are published on the bank’s website and are subject to change. Deposits are protected by the Institutional Protection Scheme (Haftungsverbund) of the Savings Banks Finance Group, which also fulfils the EU statutory deposit guarantee of up to 100,000 euros per depositor. Cash withdrawals at Sparkassen ATMs are typically included with certain account packages; out-of-network, foreign currency, and card-related services generally incur additional charges.