SPARKASSE FRANKENMARKT AKTIENGESELLSCHAFT

SPARKASSE FRANKENMARKT AKTIENGESELLSCHAFT is a regional Austrian savings bank serving Frankenmarkt and the surrounding area in Upper Austria, operating as part of the Austrian Savings Banks network. Its core offering covers retail and small-business banking, including current accounts, savings and term deposits, consumer and housing loans, business financing, payment services, and basic cash management. Securities custody and investment products are typically provided via the wider Sparkassen infrastructure, with standard capital-markets risks applying and no guarantee of principal. Digital access is delivered through the Sparkassen online and mobile platforms (including George within the network), supporting everyday payments, transfers, standing orders, e-bills, and secure messaging, with strong customer authentication under PSD2 and 3D Secure for card payments; SEPA credit transfers and direct debits are supported, and SEPA Instant availability can depend on the specific account and channel. Debit cards are issued on the current Debit Mastercard standard and credit cards are available via partner providers common to Austrian Sparkassen; contactless payments are enabled, and mobile wallets such as Apple Pay and Google Pay are generally supported across the network, subject to card type and eligibility. Pricing follows the Austrian package-account model with monthly maintenance fees, possible charges for paper-based transactions, out-of-network ATM usage, foreign exchange markups, and card issuance/annual fees; the bank publishes a fee schedule and rates and terms are subject to change. Accounts are opened subject to identity verification and residency requirements, and non-resident onboarding can be restricted; student and youth options are typically available within the group. Service is delivered through a small local branch footprint complemented by remote channels; German is the primary service language and English-language support can vary. The bank is supervised by the Austrian Financial Market Authority and the Oesterreichische Nationalbank; eligible deposits are protected by the Austrian statutory deposit guarantee scheme up to EUR 100,000 per depositor per bank, and investment services fall under the investor compensation framework, each with conditions and exclusions. As a member of the Austrian Savings Banks institutional protection scheme, it benefits from group-level support mechanisms that are not a substitute for the statutory guarantee. This setup suits residents and SMEs in the immediate region who want local branch access alongside standard digital banking; it is less oriented to customers seeking extensive international features, multi-currency accounts, or ultra-low-fee pricing.