Question 1

What is Bordesholmer Sparkasse?

Accepted Answer

Bordesholmer Sparkasse is an independent regional savings bank (Sparkasse) based in Schleswig-Holstein, Germany, serving individuals, businesses, and communities across the region. What distinguishes this institution from most German savings banks is its unique legal structure as a joint-stock company (Aktiengesellschaft) rather than a public-law institution, making it privately owned while maintaining the Sparkasse service model.

The bank operates with a comprehensive branch network spanning from Bordesholm through Kiel to Neumünster and surrounding communities, providing full-service banking with a focus on personal relationships and regional economic development.

Question 2

When was Bordesholmer Sparkasse founded?

Accepted Answer

Bordesholmer Sparkasse was founded in 1845, giving it nearly 180 years of history serving the Schleswig-Holstein region. The bank has evolved from a local savings institution to a significant regional player while maintaining its independence and community focus.

Throughout its long history, the bank has remained committed to its founding principles of providing accessible banking services to all members of the community, from individuals to businesses of all sizes.

Question 3

Where is Bordesholmer Sparkasse headquartered?

Accepted Answer

Bordesholmer Sparkasse AG is headquartered in Bordesholm, Germany, a municipality in the Rendsburg-Eckernförde district of Schleswig-Holstein. The main office is located at Bahnhofstraße 43-47, 24582 Bordesholm.

Question 4

Where does Bordesholmer Sparkasse operate?

Accepted Answer

Bordesholmer Sparkasse operates throughout central Schleswig-Holstein, maintaining branches in multiple municipalities:

Bordesholm: Main headquarters and primary branch serving the municipality and surrounding areas.

Flintbek: Branch office serving this community in the Rendsburg-Eckernförde district.

Kiel: Multiple locations in the state capital, including the Sophienblatt branch in the city center and the Russee branch (Rendsburger Landstraße).

Molfsee: Branch serving this municipality near Kiel.

Neumünster: Branch presence in this independent city within Schleswig-Holstein.

St. Margarethen and Wacken: Branch offices serving these rural communities.

This extensive branch network allows the bank to maintain a strong local presence across diverse communities, from major cities to small rural towns.

Question 5

What services does Bordesholmer Sparkasse offer?

Accepted Answer

Bordesholmer Sparkasse provides comprehensive retail, business, and wealth management services:

Personal Banking: Current accounts with various models, savings accounts, fixed-term deposits, children's and youth accounts, and retirement savings products.

Payment Solutions: Debit and credit cards from Visa and Mastercard, available in both physical and digital formats, with support for mobile wallets (Apple Pay, Google Pay, Samsung Pay, Garmin Pay).

Lending Products: Personal loans, auto financing, consumer credit through easyCredit partnership, home mortgages, and construction financing through relationships with Bausparkasse Schwäbisch Hall.

Business Banking: Business accounts, commercial lending, working capital financing, investment loans, and specialized services for small and medium-sized enterprises and agricultural businesses.

Investment and Wealth: Securities trading and brokerage (Online-Brokerage), mutual funds, retirement planning, life insurance, and comprehensive wealth management advisory services.

Digital Services: Full-featured online banking platform, mobile banking app with over 1,000 free functions, video consultation services, and extensive self-service capabilities available 24/7.

Additional Services: Safe deposit boxes (including 24-hour access facilities), currency exchange, precious metals, and comprehensive insurance products through partnerships.

Question 6

What makes Bordesholmer Sparkasse unique?

Accepted Answer

Private Joint-Stock Structure: Unlike most German savings banks that are public-law institutions owned by municipalities or associations, Bordesholmer Sparkasse AG is organized as a private joint-stock company, making it independently owned. Customers can even become part-owners by purchasing shares.

True Independence: The bank proudly maintains its independence from larger banking groups and parent companies, with ownership held primarily by founders and staff members, allowing for agile decision-making and local autonomy.

Regional Champion: Despite its regional focus, the bank has achieved significant scale with a strong market presence throughout central Schleswig-Holstein, competing effectively with larger institutions.

Customer-Centric Model: The bank emphasizes friendly, respectful treatment, personal proximity to customers, and uncomplicated decision-making pathways as core competitive advantages.

Comprehensive Digital Offering: Bordesholmer Sparkasse provides over 1,000 free banking functions, combining modern digital convenience with traditional in-person service options.

Strong Community Recognition: With 469 customer reviews and a 96% recommendation rate, the bank enjoys exceptional reputation and customer loyalty in its service area.

Question 7

What type of financial institution is Bordesholmer Sparkasse?

Accepted Answer

Bordesholmer Sparkasse AG is a savings bank (Sparkasse) organized as a joint-stock company (Aktiengesellschaft) under German law. This structure is unusual among German savings banks, which are typically organized as public-law institutions (Anstalten des öffentlichen Rechts).

The bank is supervised by BaFin (Bundesanstalt für Finanzdienstleistungsaufsicht) and is a member of the German Savings Banks Association (Deutscher Sparkassen- und Giroverband). It participates in the deposit protection scheme of German savings banks (DSGVH - Sicherungseinrichtung der Sparkassen-Finanzgruppe), which protects customer deposits up to €100,000 and provides additional voluntary coverage beyond statutory requirements. The bank is also a member of the Association of Free Savings Banks (Verband der Freien Sparkassen), reflecting its independent ownership structure.

Bordesholmer Sparkasse

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About Bordesholmer Sparkasse in Germany

Bordes­holmer Sparkasse