Sparkasse Celle-Gifhorn-Wolfsburg

Sparkasse Celle-Gifhorn-Wolfsburg is a regional savings bank (Anstalt des öffentlichen Rechts) in Lower Saxony that serves private, business, and public-sector clients across the districts of Celle and Gifhorn and the city of Wolfsburg. Formed in 2020 through a merger, it combines a local branch and ATM network with online and mobile banking. The product range covers current accounts with tiered pricing, youth and student options, savings and term deposits, overdrafts, consumer loans, mortgages, and business financing. It offers girocard debit, optional Visa and Mastercard credit cards, Apple Pay and Google Pay, SEPA transfers, and merchant services in cooperation with group partners such as PAYONE; securities accounts and investment funds are available via the Sparkassen-Finanzgruppe, including Deka, and building-savings products via LBS Nord. Digital features include secure mailbox, e-statements, and two-factor authentication via pushTAN or chipTAN. The bank operates under the Savings Banks Act of Lower Saxony and is supervised by BaFin and the Deutsche Bundesbank; it participates in the institutional protection scheme of the German Savings Banks Finance Group, which is recognized as a deposit guarantee system. Pricing, fees, and interest conditions are set out in the schedule of prices and services and depend on the chosen account model and usage, with charges typically applied to out-of-network cash withdrawals and certain card transactions. Account opening generally requires a German address, valid identification, and a tax identification number; video identification is offered for many retail applicants, with in-branch appointments used where needed. Service is provided via branches, telephone, online banking, and the Sparkasse app, with German as the primary language. Further information, product details, and current terms are available at sparkasse-cgw.de.