Question 1

What is Bezirks-Sparkasse Dielsdorf?

Accepted Answer

Bezirks-Sparkasse Dielsdorf is a Swiss regional savings bank operating in the Dielsdorf district of Canton Zurich. Organized as a cooperative (Genossenschaft), the bank specializes in retail banking and mortgage lending for private individuals and small to medium-sized enterprises in its local region.

With approximately 62 employees and total assets of 1.72 billion Swiss Francs as of 2023, the bank ranks as the 79th largest bank in Switzerland. Despite its modest size, it maintains a strong regional presence with five branch locations serving communities throughout the Dielsdorf district.

Question 2

When was Bezirks-Sparkasse Dielsdorf founded?

Accepted Answer

The bank was founded on October 3, 1837, when the Gemeinnützige Gesellschaft (Public Welfare Society) of the Regensberg district approved the statutes for the "Ersparniskasse des Bezirkes Regensberg" (Savings Bank of the Regensberg District). The initiative arose from a meeting on June 19, 1836, where 96 men gathered in Regensberg to establish a regional welfare organization.

The savings bank concept proved immediately successful in this agricultural district. By January 17, 1838, the bank had attracted 490 depositors with 4,530 Gulden in deposits, growing to 8,341 Gulden by the end of the first fiscal year.

The bank underwent several name changes reflecting administrative reorganizations. In 1871, when the district capital moved from Regensberg to Dielsdorf, the bank became "Ersparniskasse des Bezirkes Dielsdorf." Following a statute revision in 1901, it was renamed "Sparkasse im Bezirke Dielsdorf." The current name, Bezirks-Sparkasse Dielsdorf Genossenschaft, emerged after the bank transformed into an independent cooperative structure in 1939, following the 1934 Federal Banking Law.

Question 3

Where is Bezirks-Sparkasse Dielsdorf headquartered?

Accepted Answer

The bank's headquarters is located at Bahnhofstrasse 29 in Dielsdorf, Canton Zurich, Switzerland. The bank acquired this property in 1927, initially sharing the ground floor with a notary office until 1935.

Dielsdorf serves as the administrative center of the Dielsdorf district, making it an appropriate location for a regional bank focused on serving the local community.

Question 4

Where does Bezirks-Sparkasse Dielsdorf operate?

Accepted Answer

Bezirks-Sparkasse Dielsdorf operates exclusively within the Dielsdorf district of Canton Zurich through five locations. In addition to the main office in Dielsdorf, the bank maintains branch offices in Buchs (opened 1961), Rümlang (opened 1966), Niederglatt (opened 1972), and Niederweningen (opened 2012).

The bank's operational footprint reflects its commitment to local communities throughout the district. Multiple ATM locations complement the branch network to ensure accessibility for customers across the region.

Question 5

What services does Bezirks-Sparkasse Dielsdorf offer?

Accepted Answer

Bezirks-Sparkasse Dielsdorf provides comprehensive universal banking services tailored to private individuals and small to medium-sized businesses. Core offerings include payment accounts, savings accounts, investment services, mortgage financing, construction loans, pension products (Pillar 2 and Pillar 3a), and credit cards.

The bank offers full-featured e-banking with 128-bit encryption and three-factor authentication using the Airlock 2FA system. Services include account management, payment processing (including QR invoices and SEPA/SWIFT international payments), securities trading, and electronic bill payment through eBill.

A free mobile banking app (BSD Mobile App) is available for iOS and Android devices, offering features such as payment slip scanning, wealth overview, portfolio management, card management with geographic blocking controls, and access to emergency contact numbers. The bank also supports TWINT mobile payments and provides safe deposit boxes.

Investment services encompass stocks, bonds, investment funds, structured products, commodities, and precious metals trading. The bank emphasizes personalized investment advisory services delivered through face-to-face consultations.

Question 6

What makes Bezirks-Sparkasse Dielsdorf unique?

Accepted Answer

The bank's defining characteristic is its deep regional focus and local decision-making authority. Unlike larger institutions, all credit decisions are made locally by loan officers, management, or the Board of Directors who understand regional conditions and customer circumstances.

Bezirks-Sparkasse Dielsdorf actively supports community development through financial and personnel contributions to local associations, cultural events, sports clubs, and social institutions. The bank positions itself as "more than a sponsor," viewing community engagement as integral to maintaining regional vitality and attractiveness.

The cooperative structure creates direct accountability to local members rather than distant shareholders. This organizational form, combined with a solid capital base, has enabled the bank to maintain independence for nearly two centuries.

The bank's remarkably stable leadership also distinguishes it—between 1901 and 2001, only three individuals served as bank directors: Jean Bopp (1901-1952), Heinrich Maag (1952-1986), and Ulrich Gassmann (1986-2001).

Question 7

What type of financial institution is Bezirks-Sparkasse Dielsdorf?

Accepted Answer

Bezirks-Sparkasse Dielsdorf is classified as a Regionalbank (regional bank) and Sparkasse (savings bank) under Swiss banking regulations. It operates as a Genossenschaft (cooperative), a common legal structure for regional banks in Switzerland.

The bank is authorized and supervised by the Swiss Financial Market Supervisory Authority (FINMA) under reference number CHE-105.751.284. Deposits up to 100,000 Swiss Francs are protected by the esisuisse Deposit Insurance scheme, the statutory deposit guarantee system in Switzerland.

As a regional savings bank, it differs from Switzerland's cantonal banks (which typically have cantonal government backing) and focuses specifically on retail banking and mortgage lending within a geographically defined area. The cooperative model means customers can become members with voting rights in the general assembly, distinguishing it from joint-stock banks.

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Bezirk­s-Spar­kasse Dielsdorf