Your advantages of the Mein Lübecker Premium current account at a glance.
Current account services Mein Lübecker Premium:
- High-performance current account - all-inclusive: digital convenience, personalised service and additional benefits
- S-Credit Card Gold with comprehensive travel insurance package and travel services worth 85,00 Euro per year included
- Free DekaBank Depot online online worth 12,50 Euro per year included
- Account management and payment orders in our branches, on our self-service devices, online and mobile
- Personal and digital advice in our branches in Lübeck, on the phone and via text and video chat
- 2x Sparkassen-Card (debit card) with PIN of your choice and contactless function
- Interest discount of 2% p.a. on Disposition credit (granted account overdraft)
- Interest advantage of 0,1% p.a. on Mein Lübecker PremiumZins
- Including secure and convenient online banking
- Germany's most popular and award-winning banking app Free cash withdrawal at % Sparkasse ATMs in Germany
TOP added-value package in the S-Vorteilswelt and attractive rebates through PAYBACK °Points (from 01.07.2025)
- 14xPAYBACK °Points when purchasing tickets on EVENTIM1 on the ticket price and postage via the S-Ticketservice
- 14xPAYBACK °Points on your travel price when booking a trip via S-Reisewelt1
- S-Mobilgeräteschutz Versicherung (mobile device protection insurance) for 2 mobile devices
- Payment card protection - protection in the event of theft or robbery for unauthorised transactions worldwide
- Emergency money service - receive cash worldwide in an emergency
- Exclusive access to regional events
- Exclusive trips at a special price
Cooperation with PAYBACK
From 01.07.2025, you can shop at Sparkasse advantage partners throughout Germany and collect PAYBACK °Points. All you have to do is register for the S-Vorteilswelt and link your Sparkassen-Card (debit card) to PAYBACK. Thanks to the link, you not only collect PAYBACK °Points. You can also conveniently view your °point balance in future: in the financial status of your online banking, in the Sparkasse app or in the PAYBACK app.
1The exact conditions can be found in the respective service description in the S-Vorteilswelt.
Your current account is full of advantages.
App Sparkasse
Excellent banking from anywhere - multiple award-winning
Keep track of all your finances. Our Sparkasse app has a simple and intuitive design for excellent, secure online banking with foolproof operation on your smartphone or tablet: make transfers, check account balances and transactions, transfer money easily with Wero, make photo transfers - and thanks to multibanking, you have all your bank details in one app.
The best advice on site or digitally
You are at the centre of our attention - always and everywhere.
You decide how and where you conduct your financial transactions - at the branch, on your home computer or via smartphone. You don't necessarily need to visit the branch to get good advice, but you definitely need a face-to-face meeting. Your advisor is there for you - on site at the branch, by phone or video.
And if you need help with your account management - this account model includes the service at our branches.
Contactless payment
Pay quickly and securely with your smartphone. It's easy with Apple Pay or with the ‘Mobile payment’ app for your Android smartphone.
Photo transfer
With the photo transfer, typing in your IBAN is a thing of the past - you can pay your bills and transfer slips quickly and easily via your Sparkasse app.
Send money with Wero
Send money to your friends quickly and easily using your mobile phone. Whether you're having a meal together or splitting the bill in a café. Sending money is as easy as sending messages.
Financial planner
Experience the modern version of the budget book with the new, free financial planner. Turnover is automatically categorised. And even easier to analyse.
GiroFinder - find the right account in just a few clicks
Still undecided? No problem. Our GiroFinder will help you make the right choice.
Still undecided?
Our GiroFinder will help you make your choice.
Our GiroFinder compares your requirements with our account models online with just a few clicks. You can find the right account quickly and easily.
Time to change.
Switch easily with our account switching service!
You open a new account with us and we take care of the paperwork for you - all in 10 minutes.
S-Vorteilswelt
Register now to enjoy all the benefits.
Register via your online banking in the S-Vorteilswelt
- Log in to online banking.
- Click the ‘Register now’ button.
- Complete the online form in full.
Mein Lübecker Premium: Prices at a glance
The table below is an extract from our list of prices and services. Our current account comparison in German language is available for a barrier-free view.
| Performance | Prices |
|---|---|
| Account management monthly | 18,95 Euro |
| Account management monthly age 18 - 24 years1 | 50% discount |
| Employee-operated transactions (paper-based, at the counter, by telephone) | free of charge |
| Transactions + account statements at our self-service terminals/account statement printers | free of charge |
| Sparkassen-Kreditkarte Gold (credit card) | Included |
| 2x Sparkassen-Card (debit card) with customised pin | Included |
| DekaBank Depot online | Included |
| S-Mobilgeräteschutz Versicherung (mobile device protection insurance) for up to 2 devices | Included |
| Cash withdrawal throughout Germany At about 22.000 Sparkasse ATMs (Sparkassen and Landesbanken) |
free of charge |
| Online- und Mobile-Banking | free of charge |
| Digital account statements in the electronic mailbox | free of charge |
| Debit interest rate for Disposition credit (granted account overdraft) p.a. | 9,85% |
| Debit interest rate for other overdrafts (tolerated overdraft) p.a. | 9,85% |
1 Pupils, trainees, students, volunteers and those doing military service. Proof required.
Read more about our conditions at our Preis- und Leistungsverzeichnis and Entgeltinformation / Entgeldinformation Rabatt in German language.
Open a current account: It's that easy
Open your checking account now - mobile, online, by phone or in person (in German language)
Open your current account via Sparkasse-App
Open your current account online
Open your current account at one of our branches
Open your current account via phone or video consulting
- You will need your valid ID card or passport.
- You can reach our DialogCenter at 0451 147-147.
You can open current accounts for more than one person (joint accounts) by telephone and in person. Simply make an appointment for this.
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