Sparda-Bank Hamburg review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Sparda-Bank Hamburg suits established German bank customers seeking a free Mastercard debit card or a protected fixed-term deposit. Its debit card has a monthly fee of €0, while term deposits offer fixed rates and deposit protection of EU DGS up to EUR 100,000.
Key facts
- Best for
- Existing Sparda-Bank Hamburg customers wanting low-cost everyday banking and fixed-term saving.
- Monthly fee
- €0↗
- Card type
- Debit↗
- Card network
- Mastercard↗
- Legal entity
- Sparda-Bank Hamburg eG↗
- Headquarters
- Germany↗
- Founded
- 1903↗
- Support channels
- Email, Phone↗
- Features
- Credit line
- Audience
- Seniors
- Official website
- sparda-bank-hamburg.de
Loans
- APR
- 5.95%↗
- Loan amount
- €2,500 to €75,000↗
- Term
- 12 to 60 months↗
- Arrangement fee
- 0 EUR (no processing fee)↗
- Credit check
- Hard↗
- Funding time
- Fast credit decision in branch, by phone and in the online application↗
- Representative example
- Sparda Fairkredit: EUR 10,000 over 36 months at 5.79% nominal (5.95% effective), 36 instalments of EUR 312, total EUR 10,934.80↗
- Rate type
- Fixed↗
- Lender type
- Direct lender↗
- Free early repayment
- Yes↗
- Eligibility
- Minimum age 18; current account at Sparda-Bank Hamburg eG; regular salary or pension income from non-self-employed work; permanent employment contract; positive creditworthiness↗
- Origination fee (%)
- 0%↗
- Loan types
- Personal, Credit-line, Car↗
- Use cases
- Home-improvement↗
- Pricing model
- No monthly fee, Fixed rate
Savings
- Headline rate
- €1.35 to €3↗
- Minimum deposit
- €1,000↗
- Deposit protection
- EU DGS up to EUR 100,000↗
- Access terms
- Fixed-term deposit; guaranteed fixed rate for a chosen term up to 5 years; interest credited at maturity for terms up to one year and at the end of each investment year for terms of one year and longer; deposits protected up to 100,000.00 EUR by statutory deposit guarantee; opened online or in branch.↗
- Account kind
- Fixed↗
Mortgages
Personal insurance
- Insurance types
- Auto, Home, Travel↗
- Provider type
- Broker↗
- Claims channels
- Branch, Email, Phone, Online-portal↗
Facts checked September 26, 2026, 10 sources
Apps and profiles
- Elsewhere
- Wikidata
Pros and cons
Pros
- The debit card has a monthly fee of €0.
- The Mastercard debit card provides direct access to the linked current account.
- Fixed-term deposits have a fixed rate of €1.35 to €3 and deposit protection of EU DGS up to EUR 100,000.
- The term deposit can be opened online or in a branch.
Cons
- Personal loan eligibility requires a current account with Sparda-Bank Hamburg and positive creditworthiness.
- Personal loans use a hard credit check.
- The maximum loan-to-value for mortgages is 60%.
Who it suits
- Existing Sparda-Bank Hamburg customers who want a Mastercard debit card with no monthly fee.
- Savers who want a fixed return and can leave their money in a term deposit for the selected period.
- German borrowers seeking personal loans, credit lines or car finance from a direct lender.
Who should look elsewhere
- Wise may suit people prioritising a multi-currency account rather than a Sparda-Bank Hamburg Mastercard.
- Varo Believe Secured Credit Card may suit people seeking a secured credit card rather than a debit card.
- Starling Personal Account Debit Card may suit people who do not need banking and saving from Sparda-Bank Hamburg.
How Sparda-Bank Hamburg compares
9.4 vs 9.4
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9.4 vs 8.0- 9.4 vs 8.0
Where Sparda-Bank Hamburg is available
- Available
- Germany
Countries from the brand (Source, checked September 29, 2026)
Frequently asked questions
What is the monthly fee for the Sparda-Bank Hamburg debit card?+
The debit card has a monthly fee of €0. It is a debit card, so purchases are made directly from the linked bank account rather than through borrowing.
Which payment network does the card use?+
The Sparda-Bank Hamburg card runs on mastercard. The available card type is debit, which provides a straightforward way to access funds in the linked current account.
How are deposits protected?+
Eligible fixed-term deposits have protection of EU DGS up to EUR 100,000. The account is a fixed account offering a fixed rate, and the deposit can be opened online or in a branch.
What rate is available on a fixed-term deposit?+
The fixed-term deposit pays €1.35 to €3. Its term is 12 to 60, the minimum deposit is €1,000, and the model includes a fixed rate with no monthly fee.
Can I repay a personal loan early?+
Free early repayment is available. Personal loans have an APR of 5.95%, loan amounts of €2,500 to €75,000, an origination fee of 0 EUR (no processing fee) and free early repayment.
Who can apply for a personal loan?+
Applicants need a current account with Sparda-Bank Hamburg and regular salary or pension income from non-self-employed work. Eligibility also requires a permanent employment contract and positive creditworthiness.
What credit check is used for borrowing?+
The personal loan uses a hard credit check. Sparda-Bank Hamburg is a direct lender, and the available borrowing products include personal, credit line and car.
Does Sparda-Bank Hamburg offer mortgages?+
Its mortgage offering has an initial rate of 4.09% and an APRC of 4.17%. The initial rate lasts for 10, and mortgages can be used for purchase, remortgage and buy to let.
Sources
- de.wikipedia.org/wiki/Sparda-Bank_Hamburg checked September 26, 2026
Backs: Founded
“Gründung 23. November 1903”
- sparda-bank-hamburg.de/kredit-und-baufinanzierung/immobil... checked September 26, 2026
Backs: APRC, Fixed period, Initial rate, Maximum loan to value, Product fee, Purpose
“Representative example, Baufinanzierung with 10-year Sollzinsbindung: Effektiver Jahreszins 4.17 %”
- sparda-bank-hamburg.de/kredit-und-baufinanzierung/privatk... checked September 26, 2026
Backs: Features, Loan types, Use cases
“Dispokredit - Girokonto überziehen, individueller Verfügbungsrahmen”
- sparda-bank-hamburg.de/kredit-und-baufinanzierung/privatk... checked September 26, 2026
Backs: Loan amount, APR, Credit check, Eligibility, Free early repayment, Funding time, Lender type, Arrangement fee, Origination fee (%), Representative example
“Ratenkredit Sparda Fairkredit: Effektiver Jahreszins 5,95 % (Gebundener Sollzinssatz 5,79 % p.a.), Stand 02.04.2026”
- sparda-bank-hamburg.de/vorsorge-und-versichern/versicheru... checked September 26, 2026
Backs: Claims channels, Insurance types
“Kfz-Versicherung ... Wohngebäudeversicherung ... Reiseversicherung”
- sparda-bank-hamburg.de/vorsorge-und-versichern/versicheru... checked September 26, 2026
Backs: Audience
- sparda-bank-hamburg.de/vorsorge-und-versichern/versicheru... checked September 26, 2026
Backs: Provider type
- sparda-bank-hamburg.de/anlegen-und-sparen/geld-anlegen/fe... checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Minimum deposit, Pricing model, Rate type, Term
“Mindestanlage bereits ab 1.000 Euro”
- sparda-bank-hamburg.de/homepage.html checked September 26, 2026
Backs: Headquarters, Legal entity, Monthly fee
“Beratung in unseren 19 Filialen in Hamburg, Schleswig-Holstein und Nord-Niedersachsen”
- sparda-bank-hamburg.de/impressum.html checked September 26, 2026
Backs: Deposit protection, Support channels
“E-Mail: serviceteam@sparda-bank-hamburg.de ... Tel.: 0405500550”
- sparda-bank-hamburg.de/konto-und-karten/bank-karten.html checked September 26, 2026
Backs: Card type, Card network
“girocard Debit Mastercard (Debitkarte) - Sparda Giro”
Compiled from 11 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.
Related by the facts
Sparda-Bank Hamburg
Existing Sparda-Bank Hamburg customers wanting low-cost everyday banking and fixed-term saving.