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An overview of our Terms and Conditions

General Terms and Conditions

General Terms and Conditions of Sparkasse Emsland 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 the use of electronic mailboxes View PDF
Terms and conditions for the use of electronic statements View PDF
Terms and conditions for the use of the electronic credit card information service
(online credit card)
View PDF
Account Alerts Terms and Conditions View PDF

Payment transactions

Terms and conditions for sending money 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

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

Savings and investments

Terms and conditions for savings transactions View PDF
Terms and conditions for security transactions View PDF

Other terms and conditions for corporate clients

Terms and conditions for financial guarantee transactions View PDF
Terms and Conditions for the use of the debit card system of the German Credit Services Sector (Terms & Conditions for Retailers) View PDF

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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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