Is cashless banking safe

Sparkasse card1 with V PAY

advantages

All newly issued Sparkasse Cards are equipped with V PAY. You can use your V PAY card anywhere in Germany where you will see the girocard or the V PAY symbol.

Safety is our priority

Outside Germany, V PAY can only be used with the new generation of chip readers. This prevents card data from being read out, falsified or copied.

This is currently not guaranteed across the board in neighboring European countries.

  • Highest security through the latest chip technology
  • Pay quickly and securely with your smartphone too. It's very easy with Apple Pay. Or with the “Mobile payment” app for your Android ™ smartphone. Further information is available at www.sparkasse.de/kontaktloszahlen.
  • Use over 365,000 ATMs and 7 million merchant tills across Europe
  • Carry out financial transactions conveniently at self-service terminals
  • Top up mobile phone credit at the ATM at any time
  • Enjoy the freedom to stay spontaneous even without cash
  • Choose your personal PIN
  • Highest security through the latest chip technology
  • Use over 365,000 ATMs and 7 million merchant tills across Europe
  • Pay quickly and securely with your smartphone too. It's very easy with Apple Pay. Or with the “Mobile payment” app for your Android ™ smartphone. Further information is available at www.sparkasse.de/kontaktloszahlen.
  • Carry out financial transactions conveniently at self-service terminals
  • Top up mobile phone credit at the ATM at any time
  • Enjoy the freedom to stay spontaneous even without cash
  • Choose your personal PIN

Simply explained: your desired PIN

It's that easy to assign your personal PIN.

Services

These services are included

Pay contactless

  • Depending on the retailer, you can make contactless payments of up to 50 euros without a PIN or signature
  • To pay, simply hold the card up to the cash register terminal
  • High and proven security standards for your protection
  • Use your Sparkassen-Card with V PAY to make contactless payments directly from your current account

Mobile payment

Now you can also pay on the go: Simply add your card to the Wallet app of your Apple device to use Apple Pay. Or download the “Mobile payment” app for your Android ™ smartphone. More information at www.sparkasse.de/kontaktloszahlen.

Note: For security reasons, the PIN is occasionally requested for amounts up to 50 EUR. In this case, the card is inserted at the dealer or at the ATM and the PIN is entered. You can then make contactless payments as usual without entering a PIN.

Pay and dispose of cash

You can use your Sparkasse Card with V PAY anywhere in Germany. You can conveniently pay cashless using the card and your PIN. You can withdraw cash free of charge from all Sparkasse ATMs. Since security is our priority and comprehensive coverage of the new generation of chip readers cannot be guaranteed, we recommend our credit cards for trips outside of Germany.

Acceptance of the Sparkassen-Card with V PAY

You can find out in which countries your Sparkasse Card is accepted with V PAY in our overview.

Mobile payment

Paying is easy. Because you can make cashless payments worldwide with your smartphone.

Deposit cash across the savings banks

You can deposit cash not only with us, but also at deposit machines of other savings banks.

Apple Pay

Pay easily, contactlessly and securely.

With Apple Pay and your Sparkassen-Card (debit card) you can make contactless and mobile payments at hundreds of thousands of terminals in shops in Germany.

"Mobile payment" with Android

Paying is easy.

Because you can make cashless payments worldwide with your smartphone.

Deposit cash across the savings banks

You can deposit cash not only with us, but also at deposit machines of other savings banks.

Daily credit limit of the Sparkassen-Card

up to 2,000 eurosat ec checkouts / terminals in German retail and throughout Europe
up to 1,000 eurosat our 650 ATMs
up to 500 eurosat the ATMs of the other German savings banks and other financial institutions
up to 500 eurosat many ATMs in Europe in local currency

You can also transfer up to 10,000 euros a day at our over 500 account service terminals.

Easy to remember: your desired PIN

Change to your own four to six-digit PIN of your choice free of charge at all ATMs of the Sparkassen or Landesbanken. Simply follow the instructions on the machine's screen.

Travel comfortably

Withdraw money easily and spontaneously at home and abroad or pay with your Sparkasse card.

Safety tips

Important tips for PIN and Sparkassen-Card

  • Never keep your card and PIN together.
  • Do not give your card and PIN to third parties.
  • Berliner Sparkasse employees or contracted service providers will never ask you for your PIN - either verbally or in writing, by telephone or by email.
  • Have your Sparkassen-Card blocked immediately if the card or card data is lost or stolen. If the card is stolen, please report it to the police immediately.

Choose a secure PIN of your choice

  • Your new PIN should not relate to you or anyone you know - for example, in the form of dates of birth.
  • Don't choose a PIN that is easy to guess.
  • Think of a PIN that you are not already using for other purposes.

Lock emergency call

The blocking emergency call for all cards and your online banking access - there for you day and night.

Notes on data protection

For information on this, please refer to the information sheet “Notes on data protection when using your Sparkasse card with girocard contactless and girogo”.

Safe handling of the Sparkassen-Card

Your Sparkassen-Card is equipped with the most modern and most secure chip technology and is therefore particularly secure against card counterfeiting.


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