Kreissparkasse Soltau

Kreissparkasse Soltau is a public-law savings bank based in Soltau, Lower Saxony, operating within the Sparkassen-Finanzgruppe and focusing on retail, small-business, and municipal clients in its local market area. The bank provides current accounts with package-based pricing, a Sparkassen-Card (girocard) for domestic payments and cash access, optional credit cards (Visa/Mastercard) with annual fees, overdraft facilities, savings and term deposits, consumer loans, mortgage and construction financing, and services for businesses including accounts, acquiring/POS terminals, and working-capital and investment loans, often with access to subsidized programs such as KfW. Securities services are available via custody accounts and DekaBank investment funds; building savings contracts are typically distributed through LBS, and insurance products through the Sparkassen group insurer. Account management is offered in-branch, via online banking, and through the Sparkassen app with PSD2-compliant two-factor authentication (pushTAN or chipTAN); contactless payments and mobile wallets (e.g., Apple Pay/Google Pay) are supported depending on card type and eligibility. Cash services are available at local self-service terminals and the wider national Sparkassen ATM network; withdrawals outside the network and foreign transactions usually incur fees. Pricing, including monthly account charges, card fees, securities custody and order fees, and charges for paper-based transactions, is set out in the bank’s Preis- und Leistungsverzeichnis; current accounts typically do not pay interest and deposit rates vary with market conditions. Opening generally requires valid identification, German address documentation, and standard KYC checks; minors need guardian consent and business customers must provide corporate documents. Customer service is primarily in German through branches, phone, and secure messaging. Deposits are protected by the institutional protection scheme of the Sparkassen-Finanzgruppe; the bank is subject to supervision by BaFin and the Deutsche Bundesbank. The institution prioritizes its regional client base, and applications from outside its area may be declined.