Activities of savings banks (

This service 'Activities of savings banks' is not coverd by the EU Service Directive.

For this service there are no further information available. The use of Points of Single Contact is not provided. For questions about a specific formality (approval or notification), please contact the responsible authority directly. The formalities relating to different subjects you will find under Formalities by subjects. If you select a formality, contact details of the responsible authority will be displayed. General information are available from the Servicestelle der Bayerischen Staatsregierung.

This service includes:

  • Municipal institutions which, apart from a few exceptions, have municipalities or associations of municipal corporations for guarantors. These institutions’ most important deposit-taking business is the acceptance of savings deposits, and their most important lending business is the granting of long-term loans (notably mortgage loans), in addition to all other conventional banking transactions including the short and medium-term loan business.
  • The central institutes (regional banks) of the savings banks active in their particular areas of activity and affiliated to them. The regional banks serve the savings banks as suppliers of liquidity and as settlement centers for cashless payment transactions. Furthermore, they forward public funds within the scope of special loan programs; in their capacity as regional banks, they are the "principal banks" of the federal states. They are active in real-estate and public sector financing and are vested with the right of issue; additionally, they perform all other conventional banking transactions.

This service does not include:

  • Activities of building and loan associations (see 64.19.6)
  • Granting of residential mortgage loans by special-purpose institutions which do not collect deposits (see 64.92.1)
  • Processing and accounting of credit card transactions (see 66.19.0)

Source: Statistisches Bundesamt

  • Deutsche Girozentrale
  • Girozentralen
  • Kreis- und Stadtsparkassen
  • Landesbanken (Girozentralen)
  • Sparkassen
  • Stadt- und Kreissparkassen