You can open your current account online, via phone or personally at one of our branches – however your prefer.

You receive the Sparkassen-Card (debit card) with your current account.  This allows you to withdraw cash from ATMs, make cashless purchases, and make contactless payments.

For travel abroad or online shopping, we recommend our Sparkasse credit card. With this one, you are a welcome guest anywhere in the world and can make cashless payments, withdraw money, and make contactless and mobile payments. Order your Sparkasse credit card right away online or in person at one of our branches. 

You can withdraw money free of charge from more than 23.000 ATMs in Germany. Our branch finder shows you where to find Sparkasse ATMs throughout Germany. We have also compiled the branches of Sparkasse zu Lübeck with their contact details for you.

For unexpected expenses or spontaneous wishes, we will be happy to set up a Disposition credit (granted account overdraft).  This is a fixed credit line that can be agreed with you individually in advance. The amount depends on your monthly cash inflows and your creditworthiness. Once the credit line has been set up, you can overdraw your checking account at any time up to the agreed amount - so you always remain solvent.  

Switching accounts with us is easy. You open a new current  account online, by mobile, by phone or in person, and our Moving Service (Umzugsservice) takes care of the associated paperwork for you. Whether it's a utility bill, insurance premiums or a salary transfer, we'll inform your payment partners of your new account details. And we arrange for your credit to be transferred from your old account to your new current account at Sparkasse zu Lübeck.

You already have a current account with us and would like to change your account model? No problem. You can order the switch online, by phone or in person at one of our branches. 

A joint account is ideal for two or more account holders, for example for married couples, cohabiting couples or shared apartments. This allows you to keep an eye on your joint expenses at all times.

Whether for your first pocket money, the start of your career or student life: Our current accounts for young people offer many advantages and financial independence.

To ensure that rent, electricity and groceries can still be paid in the event of a garnishment, a checking account can be converted into a garnishment protection account ("P-Konto"). Don't be afraid to talk to us about making the appropriate arrangements. 

Your current account at Sparkasse zu Lübeck is subject to the statutory deposit protection (EinSiG). This guarantees you the right to reimbursement of your deposits up to 100.000 Euro. Your credit balance with us is thus one of the safest forms of investment worldwide.