Stadtsparkasse Oberhausen products, services and reviews

About Stadtsparkasse Oberhausen

Stadtsparkasse Oberhausen is a public-law savings bank serving retail customers, self-employed professionals, SMEs, and local institutions in Oberhausen, North Rhine-Westphalia, as part of the Sparkassen-Finanzgruppe. Its product range covers current accounts (with tiered account packages), savings and term deposits, girocard and Visa/Mastercard debit or credit cards, overdrafts and consumer installment loans, mortgage financing (including cooperation with LBS for home savings contracts), investment funds and securities custody via DekaBank, and insurance solutions offered through Sparkassen network partners. Business banking includes account and liquidity management, POS and e-commerce acquiring via group providers, working capital and investment financing, and advisory services for public-sector and nonprofit entities. Customers have access to the nationwide Sparkassen ATM network (more than 20,000 machines in Germany) and use online banking and the Sparkasse mobile app with common TAN procedures and strong customer authentication; support for major mobile wallets is generally available subject to card and product eligibility. Fees follow published price lists and depend on the chosen account model and usage, with typical charges for account maintenance, paper statements, external ATM withdrawals, and certain SEPA or international services; business tariffs are distinct. Deposits are safeguarded by the institutional protection scheme of the Sparkassen-Finanzgruppe, and the bank operates under German banking regulation with BaFin and Deutsche Bundesbank supervision and PSD2 requirements. Account opening is offered in-branch and, for many products, digitally with video identification; advisory appointments can be scheduled online or by phone. Complaints are handled through the bank’s internal process and the independent ombudsman of the Sparkassen-Finanzgruppe. Product availability, interest rates, and conditions change with market and regulatory developments and should be verified via official channels before contracting.