Sparkasse Ingolstadt Eichstätt

Sparkasse Ingolstadt Eichstätt is a German savings bank (Anstalt des öffentlichen Rechts) serving the city of Ingolstadt and the district of Eichstätt in Bavaria, formed in 2017 through the merger of Sparkasse Ingolstadt and Sparkasse Eichstätt. It operates a regional branch and ATM network and provides retail and business banking services, including current accounts, savings and time deposits, girocard and credit cards offered via the Sparkassen-Finanzgruppe, consumer and housing loans, commercial financing, and services for municipalities and associations. Investment and securities products are available through group offerings, typically including DekaBank funds and brokerage access, as well as insurance from affiliated providers. Digital access is provided via online banking and the Sparkasse mobile app, with standard functions such as transfers, standing orders, document inbox and secure messaging, and two-factor authentication using pushTAN or chipTAN; card-based mobile payments are supported where enabled. Account packages generally carry monthly maintenance fees that vary by model and usage (online vs branch), with youth or student options that may be discounted; withdrawals at Sparkasse ATMs are typically free for account holders, while out-of-network and foreign transactions incur fees. The institution is supervised under German banking law by BaFin and the Deutsche Bundesbank and participates in the Sparkassen-Finanzgruppe’s institutional protection scheme (Sicherungseinrichtung), which is recognized as a statutory deposit guarantee system; deposit protection up to 100,000 EUR per depositor applies under EU rules. The bank focuses on the regional market, so product availability, pricing, interest conditions and eligibility depend on customer profile and are subject to change.