Waldviertler Sparkasse Bank AG

Waldviertler Sparkasse Bank AG is an Austrian savings bank headquartered in Horn, Lower Austria, operating as part of the “Erste Bank und Sparkasse” network and the Austrian Sparkassen institutional protection scheme (Haftungsverbund). It provides retail and small business banking across the Waldviertel region, covering current accounts, payment services, debit and credit cards, savings and term deposits, consumer loans, mortgages, and financing for SMEs; investment and securities brokerage are offered via group platforms, and insurance products are distributed as an intermediary. Digital access is available through the George online and mobile banking platform alongside a local branch network and ATMs. Deposits held with the bank are protected up to EUR 100,000 per depositor under the Austrian statutory deposit guarantee (Einlagensicherung Austria), subject to legal conditions and exclusions; the bank is licensed and supervised by the Austrian Financial Market Authority (FMA) with oversight by the Oesterreichische Nationalbank within the EU supervisory framework. Payments are processed within SEPA using Austrian IBANs (AT), and standard fees apply for account packages, cards, and transfers, with foreign currency and out-of-network charges depending on the tariff. Credit products are subject to affordability checks and Austrian regulations, including current rules on mortgage lending. Pricing, interest rates, and service availability are published in the bank’s schedule of conditions and may change; customers should review the latest disclosures and contractual terms before opening or using an account.