Stadt- und Kreissparkasse Leipzig products, services and reviews

About Stadt- und Kreissparkasse Leipzig

Stadt- und Kreissparkasse Leipzig is a German savings bank serving the city of Leipzig and the surrounding district as a public-law institution within the Sparkassen-Finanzgruppe, operating under regional mandate and supervised by BaFin and the Deutsche Bundesbank. Its offering covers retail and business banking, including current accounts (with typical account maintenance fees per the published price and service list), girocard and debit/credit cards, SEPA and international payments, cash services, and access to the nationwide Sparkassen ATM network, with possible charges at non-network machines and for foreign transactions. Lending products include overdrafts, consumer loans, mortgage and construction financing, and working capital and investment loans for SMEs; investment services span securities brokerage and custody, mutual funds (including through cooperation with DekaBank), and basic wealth advisory under MiFID II, while insurance products are available via Sparkassen-affiliated insurers. Service channels comprise local branches and self-service terminals, online banking and the Sparkasse mobile app with PSD2 strong customer authentication (e.g., chipTAN or pushTAN), card security via 3‑D Secure, and support for common mobile wallets such as Apple Pay and Google Pay; emergency card blocking is available via the nationwide 116 116 hotline. Deposits are protected by the institutional protection scheme of the Sparkassen-Finanzgruppe, which is officially recognized as a deposit guarantee scheme and is designed to ensure at least EUR 100,000 coverage per depositor alongside institutional support aimed at preventing insolvency. The bank participates in the consumer dispute resolution scheme of the German Savings Banks Association (ombudsman), publishes disclosures and annual financial statements under applicable regulations, and generally focuses account opening and lending on customers within its service area, subject to identification and credit checks; detailed conditions, fees, and rates are set out in its Preis- und Leistungsverzeichnis and product terms.