Sparkasse Zwickau products, services and reviews

About Sparkasse Zwickau

Sparkasse Zwickau is a public-law savings bank serving the city and district of Zwickau in Saxony and operating within the Sparkassen-Finanzgruppe. Its product range covers day-to-day retail banking with current accounts under different fee models, savings and investment solutions distributed in cooperation with DekaBank, building society contracts via the LBS group, insurance from regional Sparkassen insurers, and lending such as overdrafts, consumer loans, mortgages, and financing for self-employed and SMEs, including access to promotional programs (e.g., KfW) as applicable. Payment services include Girocard (Sparkassen-Card) and credit cards (Mastercard/Visa) with contactless capability, support for common mobile wallets such as Apple Pay and Google Pay for eligible cards, online shopping security via 3-D Secure (S-ID-Check), and options for giropay. Customers can use online banking via web and the Sparkasse app, with two-factor authentication (pushTAN or chipTAN), e-documents, card controls, real-time transfers where available, and multibanking; business clients have EBICS and electronic account statements. The bank maintains a local branch and self-service presence and provides cash access across the nationwide Sparkassen ATM network; withdrawals at non-network ATMs and cash advances abroad typically incur fees, and foreign currency transactions may include exchange markups. SEPA payments are standard; international non-SEPA transfers are processed via SWIFT with charges according to the schedule of prices and services. Deposit protection is provided through the Institutional Protection Scheme of the Sparkassen-Finanzgruppe, recognized under German law and designed to prevent insolvency, with statutory coverage of up to EUR 100,000 per depositor per bank. Service is available by phone, digital channels, and in-branch by appointment; safe deposit boxes and specialized advisory services may be offered at selected locations. Pricing varies by account model and usage, so customers should review the bank’s Preis- und Leistungsverzeichnis and assess whether the local branch network and service scope align with their requirements.