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Our Sort code and BIC
Sort code23050101
BICNOLADE21SPL
Overview

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
Logo Mein Lübecker Girokonto

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-Card and PAYBACK

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.

Advantages

Your current account is full of advantages.

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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.

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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.

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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.

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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.

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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.

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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.

Conditions

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

Open a current account: It's that easy 

Open your checking account now - mobile, online, by phone or in person (in German language)

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Open your current account via Sparkasse-App 

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Open your current account online

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Open your current account at one of our branches

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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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