Your advantages of the Mein Lübecker Smart current account at a glance.
Current account services Mein Lübecker Smart:
- High-performance current account – no frills – for online professionals
- Including secure and convenient online banking
- 1x Sparkassen-Card with PIN of your choice and contactless function
- Paperless payment transactions (online transfers, unlimited credit and direct debits)
- Unlimited credit and direct debits
- Numerous online services that make your finances easier, e.g. simple and secure contactless payments by card or smartphone
- Germany's most popular and award-winning banking app Free cash withdrawal at % Sparkasse ATMs in Germany
Basic added-value package in the S-Vorteilswelt and attractive rebates through PAYBACK °Points (from 01.07.2025)
- 6xPAYBACK °Points on your travel price when booking a trip via S-Reisewelt2
- PAYBACK °Points when purchasing tickets on EVENTIM2 on the ticket price and postage via the S-Ticketservice
- Shopping and collecting °points with regional and nationwide participating partners
- Exclusive access to regional events
- Exclusive trips at a special price
Sparkasse plus PAYBACK
- Always keep an eye on your °points balance
- Book holidays, visit events and collect °points with the S-Vorteilswelt and PAYBACK °points
1When the Sparkassen-Card is referred to below, it is a debit card.
2The 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.
Account alarm clock
Know when something is happening in your account.
Our account alarm clock offers you automatic monitoring of account balances and transactions - including credit and basic cards - around the clock, practical notification when money is received, up-to-date information on exemption amounts utilised and can be set up quickly in online banking. Use our practical messaging service for your account, custody account and credit card.
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.
Mein Lübecker Smart: 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 | Price |
|---|---|
| Account management monthly | 6,95 Euro |
| Account management monthly age 18 - 24 years1 | 50% discount |
| 1x Sparkassen-Card with customised pin | Included |
| Employee-operated transactions (paper-based, at the counter, by telephone) | 3,25 Euro per transaction |
| Transactions + account statements at our self-service terminals/account statement printers | 1,25 Euro per transaction |
| 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. | 11,85% |
| Debit interest rate for other overdrafts (tolerated overdraft) p.a. | 11,85% |
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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