Stadtsparkasse Augsburg products, services and reviews

About Stadtsparkasse Augsburg

Stadtsparkasse Augsburg is a German savings bank headquartered in Augsburg and organized under public law, operating with a regional mandate to serve private, business, and public-sector clients in the Augsburg area. Its product range covers current accounts, youth and student accounts, savings products and term deposits, consumer loans, overdrafts, and mortgages, alongside business accounts, working-capital and investment financing, and merchant services such as POS terminals and e-commerce acceptance. Investment and securities services are available via the Sparkassen-Finanzgruppe (for example, custody accounts and funds from DekaBank), with building society contracts offered through LBS and access to insurance partners from the group. Digital banking is provided through web banking and the Sparkasse apps with two-factor authentication via pushTAN or chipTAN; compatible cards can be used with mobile wallets such as Apple Pay and Google Pay where supported. Payment instruments include a Girocard for domestic payments and withdrawals and optional Visa or Mastercard credit cards for international use. Cash access is available across the nationwide Sparkassen ATM network; withdrawals outside the network may involve fees. Pricing typically follows package models with monthly account management fees and charges for selected services, with conditions varying by account type and eligibility. Accounts generally require residence and identification in Germany, with onboarding available in branch or via VideoIdent/PostIdent. Stadtsparkasse Augsburg is supervised by BaFin and the Deutsche Bundesbank; deposits are covered by the institutional protection scheme of the Sparkassen-Finanzgruppe, which fulfills statutory deposit guarantee requirements (generally up to EUR 100,000 per depositor).