Keep track of your finances when and wherever you need it. Or use a lot of service features: Send money to friends with giropay | 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 giropay | Kwitt - up to €30 mostly even without TAN*
• Share expenses among involved people with giropay | 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 giropay | 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 5.14.0

What's new in 5.14.0:

+++ Opening a bank account is getting even smarter +++
From now on, when opening a bank account with GiroExpress in the app, it is possible to identify yourself not only by video legitimation, but optionally with your identity card if you have activated the online ID function. This works uncomplicated and fully secured: Your iPhone or iPad uses NFC technology and reads out the data of your ID card end-to-end encrypted. Then just take a photo of the front and back of your ID and open your new bank account.

+++ Sina provides interesting information +++
Get to know Sina! The personal smart assistant for Sparkassen customers "Sina" gives useful tips and important information around online banking – to be found directly in the Sparkasse app. Don't forget to turn up the volume!

Ratings and Reviews

4.7 out of 5
8.9K Ratings

8.9K Ratings

Ms.Pocket frog ,

Easy to manage

I love the app because it’s easy to manage . I can check on my account anytime anywhere before I do my purchases. The kwitt is so helpful to give my child money when in need. I can do money transfer on my phone anytime.

shahriar42 ,

Monthly payments

Each month I’m paying 7€ for cost to bank. I want to decrease this amount but i don’t know how? Please explain me.
Best regards

Cait-Li ,

Great app but lost some useful features with updates

The app is very useful for keeping track of multiple bank accounts at once in one place.
However, even though expenses can still be categorized, the overview of spendings by category is no longer included in the recent update.

App Privacy

The developer, Star Finanz GmbH, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Contact Info

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Financial Info
  • Location
  • Contact Info
  • Contacts
  • User Content
  • Identifiers
  • Usage Data
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

  • Siri

    Get things done within this app using just your voice.

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