The Sparkassen' partnership with PAYBACK is ready to go: from July 1, 2025, Sparkassen customers will be able to collect PAYBACK points easily and conveniently when paying with their Sparkassen card in regional stores that are partners of the Sparkassen' S-Vorteilswelt. This will gradually be possible at around 12,000 participating regional retailers throughout Germany.
"Paying is part of everyday life - and that's exactly where we come in with this cooperation: We are creating additional added value without having to change anything in the usual process. What counts for our customers is what helps them in concrete terms," says Dr. Joachim Schmalzl, Managing Director of the German Sparkassen and Giro Association (DSGV) in Berlin. The majority of Sparkassen participate in the PAYBACK partnership.
"Paying with the Sparkasse Card and automatically collecting PAYBACK points at the hairdresser or restaurant - that's never been possible before! We are delighted to be launching this fantastic added value at small retailers regionally and to be gradually rolling it out nationally with major PAYBACK partners from the fall," says Bernhard Brugger, Managing Director and CEO of PAYBACK. “Our network of 700 strong partners now also includes the Sparkasse, which is a huge advantage for all PAYBACK customers and makes our program for collecting points and saving money in everyday life more attractive than ever before,” says Brugger. Since the beginning of this year, PAYBACK customers have also been able to collect points at EDEKA and Netto Marken-Discount.
With more than 34 million active customers, PAYBACK is the largest and best-known bonus program in Germany. The savings banks are the largest financial institution group in Europe and, with over 36 million private current accounts, are the market leader among credit institutions in Germany. The Sparkassen-Card is used for 4.2 billion retail transactions every year - this corresponds to 54 percent of all Girocard payments in Germany.
In order to be able to pay and earn points with the Sparkassen-Card at the same time, customers must be members of the S-Vorteilwelt, the savings banks' value-added program. As soon as the PAYBACK account has been actively linked to the Sparkassen-Card by the customer, points can be collected automatically and the PAYBACK points balance can be viewed in online banking and in the S-Vorteilwelt app. This link is being publicized through a major multi-channel marketing campaign.
In future, PAYBACK points may also be awarded for selected financial products and services offered by the savings bank, such as opening a current account. The participating savings banks themselves decide which products are rewarded with how many PAYBACK points.
For the partnership, only the necessary information is transferred from the savings bank to PAYBACK, such as the PAYBACK number, the date the payment was made, the coupons redeemed and the PAYBACK points value calculated from these. No other payment data or personal information is passed on to PAYBACK.
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