Keep track of your finances when and wherever you need it. Or use a lot of service features: Send money to friends with Kwitt or find the nearest ATM or branch. Sparkasse is easy to use and secure.


• Set up any number of bank accounts you have with Sparkasse or other financial institute
• Set up multiple accounts, e.g. checking account, loan account, saving account
• Payments: single, scheduled, reference, reverse and SEPA transfers
• Send money and receive it with "Kwitt" - up to €30 mostly even without TAN*
• Share expenses among involved people with Kwitt group feature*
• Use Apple Pay within the app
• Standing order and direct debit functions
• See charts to analyze your personal finances
• Enhanced functionality: Store locator, ATM search
• Open a new checking account via app
• Service functions of your Sparkasse: card lock, releases, opening hours and appointments


• Access depends on whether your financial institution makes it available online via HBCI PIN/TAN or FinTS PIN/TAN protocol
• Supported TAN security methods: chipTAN manuell, chipTAN QR, chipTAN comfort (optical), pushTAN; iPod touch in addition: smsTAN


Sparkasse ensures maximum safety in accordance with the provisions of the German financial institutions for online banking:
• communication via direct and secure interfaces
• high encryption
• password-protected
• automatic lock (the app locks itself after five minutes of non-use)


1) You do not need to have an account of a German Sparkasse to use the app. You can add any other accounts of different banks as well
2) For support requests please send your inquiry directly out of the app
3) Use can run up a bill within your financial institute. Please check whether this may be passed to you
4) Some features of the app are only available if your financial institution supports them.

* Kwitt is available, if offered by your Sparkasse. Regulatory requirements provide for a TAN entry. Intelligent security systems of your Sparkasse allow your Kwitt transfers to remain TAN-free as much as possible.


We take the protection of your data very seriously. It is regulated by the Privacy Policy. By downloading and/or using the app Sparkasse, you fully acknowledge the terms of the End User License Agreement of Star Finanz GmbH.

• Data privacy statement:
• End-user licence agreement:

What’s New

Version 5.8.0

Improvements in version 5.8.0:

+++ Always the highest protection possible +++

We have given the security standards in the Sparkasse app another little boost and adapted them to the current circumstances.

+++ Protection with the Kwitt money-sending feature too +++

There is also a security-related change to Kwitt: After registering for Kwitt, a TAN is now required when sending money for the very first time.

+++ Adjustments to Apple Pay +++

- iOS 14 is already casting its shadow: Users of the iPhone 6 and connected Apple Watches can no longer digitize their Girocard. The reason? Apple's iPhone 6 will not be able to update to the latest version of the iOS operating system released this fall. We have to defer to that decision.
- In the app walkthrough we introduce interested users to how the Sparkasse app interacts with Apple Pay and briefly explain how it works.
- We have updated the data privacy and usage information; the changes also affect Apple Pay. Feel free to consult the updated texts in the app.

Ratings and Reviews

4.6 out of 5
2.3K Ratings

2.3K Ratings

mowerbyte ,

Sparkasse app really delivers

Finally, a banking app that really delivers. I’ve used online banking for years, but steered clear of the smartphone apps till now. Really well thought out and user friendly.

sanjee74 ,

Byron Vasanjee review

This app as has been a life saver for me since I have recently had an operation I have only been able to use this app and I got to say it is really a top app deserving of a 4/5 star rating . 4. Star because there is always room for improvement lol

Gereroberts ,

English screen instructions

I can choose my language at the cash point, I cannot choose language on my phone app. Why?


Star Finanz GmbH
134.1 MB

Requires iOS 13.7 or later. Compatible with iPhone, iPad and iPod touch.


English, Czech, German, Polish, Turkish

Age Rating
This app may use your location even when it isn't open, which can decrease battery life.


  • Family Sharing

    Up to six family members will be able to use this app with Family Sharing enabled.

  • Siri

    Get things done within this app using just your voice.

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