An overview of our Terms and Conditions
General Terms and Conditions
| General Terms and Conditions of Sparkasse Heidelberg | View PDF |
Online banking
| Terms and conditions for online banking | View PDF |
| Terms and conditions for remote data transmission (RDT) | View PDF |
| Terms and conditions for using the electronic mailbox (private clients) | View PDF |
| Terms and conditions for using the electronic mailbox (business clients) | View PDF |
| Terms and conditions for the use of electronic statements | View PDF |
| Terms and conditions for using electronic bank statements (EBICS) | View PDF |
| Terms and conditions for the use of the electronic credit card information service (online credit card) |
View PDF |
| Terms and conditions for using account alerts on the Business Customer Portal | View PDF |
| Terms of use for multi-banking on the Business Customer Portal | View PDF |
Payment transactions
| Terms and conditions for sending money | View PDF |
| Terms and conditions for instant transfers | View PDF |
| Terms and conditions for direct debit payments using the SEPA Direct Debit Core scheme | View PDF |
| Terms and conditions for direct debit payments using the SEPA Direct Debit Business to Business scheme | View PDF |
| Terms and conditions for cheque payments | View PDF |
| Terms and conditions for online payments with giropay | View PDF |
Accounts and cards
| Terms and conditions for Sparkassen debit card | View PDF |
| Terms and conditions for credit cards - Mastercard/Visa Card | View PDF |
| Terms and conditions for Mastercard Basis /Visa Basis debit cards | View PDF |
| Terms and conditions for credit cards - Mastercard Business/Corporate and Visa Card Business/Corporate | View PDF |
| Terms and conditions for the digital business/corporate Mastercard and Visa cards (credit card) with personalised authentication procedures | View PDF |
| Terms and conditions for Sparkassen online purchase protection | View PDF |
| Terms and conditions for the digital Sparkasse card (debit card) | View PDF |
| Terms and conditions for the digital Mastercard/Visa card (credit card) | View PDF |
Savings and investments
Other terms and conditions for corporate clients
To view, save and print our terms and conditions you will need a program for opening PDF files such as Adobe Reader, which can be downloaded for free from Adobe.
Please note that this information may also include terms and conditions for the use of products that do not currently apply to you. In this case, the corresponding information and terms will not apply. All of the above terms and conditions only come into force in conjunction with the relevant product agreements (e.g. card agreements, online banking agreements).
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