SPAREKASSEN THY

Sparekassen Thy is a regional Danish savings bank headquartered in Thisted that serves private and business customers mainly in Thy, Mors and the wider northwestern Jutland area, with services available nationally through online and mobile channels. Its offering covers current and savings accounts in DKK, domestic and international payments (including SEPA in EUR), card solutions such as Dankort/Visa, MobilePay support, consumer loans, car financing, overdrafts, and brokerage of mortgage loans through the specialized mortgage institutions commonly used in Denmark. For businesses it provides transactional accounts, payment services, credit facilities and corporate netbank; custody accounts enable trading and safekeeping of securities, and investment and pension products are distributed via external partners. Digital access uses MitID and strong customer authentication under PSD2, and standard card-blocking and self-service options are available outside branch hours. Sparekassen Thy is supervised by the Danish Financial Supervisory Authority (Finanstilsynet); deposits are covered by the Danish Guarantee Fund for Depositors and Investors up to EUR 100,000 per depositor per bank, with additional temporary high-balance protection available in defined cases under Danish rules, while investment products are not covered by the deposit guarantee. Fees and interest depend on the chosen products and customer profile and are set out in public price lists; international transfers, currency exchange and certain card uses can incur extra charges. Account opening and lending are subject to Danish anti–money laundering and credit assessments and typically require Danish identification (MitID/CPR), with limited options for non-residents. The branch footprint is concentrated locally, so in-person service is regional, and some specialized wealth or corporate services are provided through partners, reflecting a focus on core retail and SME banking.