Ersparniskasse Speicher products, services and reviews

About Ersparniskasse Speicher

Ersparniskasse Speicher is a regional Swiss savings bank headquartered in Speicher (Appenzell Ausserrhoden) that focuses on retail and small-business clients in its local market; its core offerings include deposit and savings accounts, residential mortgage lending, basic payment services and advisory services for private and corporate customers, with online and mobile banking available alongside face-to-face branch operations. The institution operates under Swiss banking regulation and its customers' deposits fall under Switzerland’s depositor protection framework (esisuisse) where applicable; it publishes periodic financial statements and reports in line with regulatory requirements. Governance follows the typical structure of a local savings bank, oriented toward local stakeholder interests rather than wide national expansion. Compared with large national banks, product breadth, international services and digital innovation are more limited, while pricing, fees and lending terms reflect its regional focus and balance-sheet scale; suitability depends on whether a customer prioritizes local relationship banking and personal service over a broader product catalogue or extensive digital features.