Städtische Sparkasse Offenbach a.M. products, services and reviews

About Städtische Sparkasse Offenbach a.M.

Städtische Sparkasse Offenbach a.M. is a municipal savings bank serving Offenbach am Main and its surrounding area, operating under public law and the regional mandate defined by the Hessisches Sparkassengesetz, and is part of the Sparkassen-Finanzgruppe. It offers standard retail and business banking services including current accounts, savings and term deposits, overdrafts, consumer loans, residential mortgages, and access to building society products via the group’s partners; securities services are provided through the Sparkassen platform, including DekaBank investment funds and brokerage options, and insurance is distributed via affiliated Sparkassen insurers. For corporate and SME clients, the bank provides current accounts, payment services, working capital and investment financing, commercial real estate lending, and access to public development bank programs such as KfW, alongside cash management, POS terminals, and e-commerce acceptance via group providers. Accounts typically carry monthly maintenance fees with optional packages; card issuance, cash withdrawals outside the Sparkassen alliance, and certain transactions incur charges as per the published price list, and lending prices are determined individually. Cash and payment services include girocard and credit/debit cards from the Sparkassen-Finanzgruppe, SEPA and international transfers, contactless payments, and support for Apple Pay and Google Pay; customers have access to the nationwide Sparkassen ATM network. Digital banking is available via online banking and the Sparkassen-App with PSD2-compliant strong customer authentication (e.g., pushTAN or chipTAN), and branches and self-service terminals are maintained in the local market. The institution is supervised by BaFin and the Deutsche Bundesbank and participates in the institutional protection scheme of the Sparkassen-Finanzgruppe (Haftungsverbund), which is officially recognized under the German Deposit Guarantee Act; deposits are protected in line with statutory requirements, and the scheme is designed to prevent insolvency within the group. Service scope and product eligibility are shaped by the bank’s regional focus, and offerings, fees, and interest conditions are subject to change and detailed in the bank’s schedule of prices and services; safe deposit boxes and ancillary services are available at selected locations.