Sparkasse Westholstein products, services and reviews

About Sparkasse Westholstein

Sparkasse Westholstein is a public-law savings bank within the Sparkassen-Finanzgruppe serving the Westholstein area of Schleswig-Holstein, Germany, with a regional branch and ATM network and access to the nationwide Sparkassen cash network. It offers standard retail and small-business banking services, including current accounts with tiered monthly pricing, savings and term deposits, overdrafts, consumer loans, mortgages, and payments services anchored by a girocard (debit) and optional credit cards (Visa/Mastercard). Digital banking is provided through the Sparkasse online platform and mobile app, with strong customer authentication via pushTAN or chipTAN, electronic statements, and secure in-app messaging; card payments support contactless transactions and common mobile wallets where enabled. Investment and securities services are available via Sparkassen group partners (e.g., Deka) with custody accounts and fund products, and insurance products are distributed through affiliated insurers in the group. For companies, the bank provides cash management, corporate online banking (including EBICS), POS terminals and merchant acquiring, working capital and investment loans, and access to public development bank programs where applicable. Deposits are protected by the institutional protection scheme of the Sparkassen-Finanzgruppe. Account opening generally requires standard identification under German regulations, a local address, and tax details; primary service language is German, and availability of English-language documentation varies. Fees apply for many services, including account packages, out-of-network ATM cash withdrawals, card replacements, and foreign currency transactions; exact pricing depends on the chosen account model and usage. Service access is via branches, telephone, and online channels, with appointments typically available for advisory topics. Product scope, eligibility, and pricing can differ by customer segment and may change, so applicants should review current schedules and terms before committing.