Sparkasse Freyung-Grafenau

Sparkasse Freyung-Grafenau is a public-law savings bank serving the Freyung-Grafenau district in Bavaria with a regional business model focused on retail, small business, and municipal clients. It offers standard German current accounts, savings products, consumer and mortgage lending, and payment services, along with corporate banking basics such as working-capital finance, POS and ecommerce acquiring via group providers, and advisory for local SMEs. Securities and investment funds are typically distributed through the Sparkassen-Finanzgruppe (e.g., via DekaBank), building-society contracts through LBS, and insurance products via the regional Sparkassen insurance partner; availability depends on customer profile and advice requirements. Customers can use online and mobile banking with strong customer authentication, app- or chip-based TAN procedures, SEPA payments, international transfers, and debit and credit cards; product features and limits vary by account package. Cash services are supported at branches and ATMs within the nationwide Sparkassen network; withdrawals at third-party ATMs and certain over-the-counter services can incur fees. Pricing follows a published price and service schedule, with monthly account fees, card fees, and transaction charges that differ by package; preferential terms may require minimum activity or balances. The bank is supervised by BaFin and the Deutsche Bundesbank and participates in the Sparkassen-Finanzgruppe institutional protection scheme; statutory deposit protection up to 100,000 euros per depositor applies, with the IPS designed to prevent institutional failure. As a regional lender, credit decisions, onboarding, and some products may be limited to residents or local businesses, and the product shelf is aligned with Sparkassen group providers. Digital access, support hours, and branch availability are determined locally and may change as the network is adjusted.