Sparkasse im Kreis Herford -Zweckverbandssparkasse des Kreises Herford und der Städte Bünde, Herford, Löhne und Vlotho-

Sparkasse im Kreis Herford – Zweckverbandssparkasse des Kreises Herford und der Städte Bünde, Herford, Löhne und Vlotho – is a public-law savings bank in North Rhine-Westphalia owned by a municipal association of the named local authorities and governed under the Sparkassengesetz NRW with oversight by an administrative board and management by an executive board. The institution provides retail and small-business banking across its district, operating branches and self-service points and participating in the nationwide Sparkassen ATM network. Private customers can open current accounts with tiered account management fees and optional concessions for young people; packages typically include a girocard, SEPA transfers and standing orders, with optional debit or credit cards (e.g., Debit Mastercard or Visa Debit) subject to fees; Apple Pay and Google Pay are supported. The product range covers savings (instant-access, term deposits, savings plans), consumer loans and overdrafts, mortgages, and building society contracts via Bausparkasse Schwäbisch Hall; securities custody and investment funds are offered with Deka as a core partner, and insurance is mediated through Sparkassen-Finanzgruppe partners (Provinzial in NRW). Business clients have access to business accounts, cash management, POS and e-commerce acceptance via S-Payment partners, and financing for working capital and investment; advisory services are provided in line with MiFID II where relevant. Payments include SEPA credit transfers and direct debits, instant payments where enabled, and international transfers via SWIFT with standard charges; card payments use strong customer authentication and 3‑D Secure for online transactions. Digital banking is available via online banking and the Sparkassen-App with pushTAN or chipTAN procedures, e‑statements, multibanking, and PSD2 interfaces. Deposits are protected by the German statutory deposit guarantee up to 100,000 EUR per depositor; the bank also belongs to the institutional protection scheme of the Sparkassen-Finanzgruppe, which aims to prevent insolvency and protects customer liabilities within that framework. Account opening and lending are subject to identification and credit assessment; fees, interest rates, eligibility criteria, and service hours are determined by the current schedule of prices and services and may change.