Die Zweite Sparkasse
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Zweite Wiener Vereins-Sparkasse (abbreviated: Zweite Sparkasse, also: Die Zweite) is an
Austria Austria, formally the Republic of Austria, is a landlocked country in Central Europe, lying in the Eastern Alps. It is a federation of nine Federal states of Austria, states, of which the capital Vienna is the List of largest cities in Aust ...
n bank based in
Vienna Vienna ( ; ; ) is the capital city, capital, List of largest cities in Austria, most populous city, and one of Federal states of Austria, nine federal states of Austria. It is Austria's primate city, with just over two million inhabitants. ...
's
Leopoldstadt Leopoldstadt (; ; "Leopold-Town") is the 2nd municipal district of Vienna () in Austria. there are 103,233 inhabitants over . It is situated in the heart of the city and, together with Brigittenau (20th district), forms a large island surrou ...
district (2nd municipal district). It is a socially oriented bank ran exclusively by volunteers from ''Erste Bank'' and the ''Sparkassen'' group, and does not aim for any profits.


History

The Zweite Sparkasse was founded on the initiative of and with funds from the
ERSTE Foundation ERSTE Foundation (in German DIE ERSTE österreichische Spar-Casse Privatstiftung or in short: ERSTE Stiftung) is the biggest Austrian savings bank foundation. In 2003, it evolved from the Erste österreichische Spar-Casse, the first Austrian sav ...
. The Articles of Association dated 15 May 2006 were adopted at the founding meeting and approved by the Financial Market Authority in September of the same year. On 21 October 2006, the incorporation under company law was entered in the Commercial Register of the Commercial Court of Vienna. On 21 November 2006, the first branch in Vienna-Leopoldstadt, which is also the company's headquarters, was opened in the presence of Federal President
Heinz Fischer Heinz Fischer Order of Prince Henry, GColIH, Order of Merit of the Italian Republic, OMRI, Order of the Seraphim, RSerafO, Military Order of Saint James of the Sword, GCollSE (; born 9 October 1938) is an Austrian politician who served as the pre ...
. On 4 October 2006 the Zweite Sparkasse commenced operations and registered its first customers. At the end of 2007, the Zweite Sparkasse had around 1,300 customers with around 1,800 accounts in three branches and 268 volunteers' workers. At the end of 2017, the number of clients had grown to around 8,000 customers throughout Austria. In line with the business model, around 4,000 Zweite clients have so far been successfully transferred to other banks.


Branch history

In addition to their main branch at the company's headquarters in Vienna Zweite Sparkasse operates branches in seven provincial capitals run in cooperation with volunteers from the associated savings banks of the federal provinces: * October 2006 main branch in Vienna-Leopoldstadt (''Erste Bank'') * September 2007 in
Innsbruck Innsbruck (; ) is the capital of Tyrol (federal state), Tyrol and the List of cities and towns in Austria, fifth-largest city in Austria. On the Inn (river), River Inn, at its junction with the Wipptal, Wipp Valley, which provides access to the ...
('' Tiroler Sparkasse'') * November 2007 in
Salzburg Salzburg is the List of cities and towns in Austria, fourth-largest city in Austria. In 2020 its population was 156,852. The city lies on the Salzach, Salzach River, near the border with Germany and at the foot of the Austrian Alps, Alps moun ...
(''Salzburger Sparkasse'') * February 2008 in Klagenfurt (''Kärntener Sparkasse'') * May 2008 in
Graz Graz () is the capital of the Austrian Federal states of Austria, federal state of Styria and the List of cities and towns in Austria, second-largest city in Austria, after Vienna. On 1 January 2025, Graz had a population of 306,068 (343,461 inc ...
(''
Steiermärkische Sparkasse The Steiermärkische Bank und Sparkassen (Steiermärkische Sparkasse for short) is an Austrian sparkassen or savings bank based in Styria. It is a universal bank with services for private clients, small and medium-sized enterprises, private bankin ...
'') * October 2009 in
Villach Villach (; ; ; ) is the seventh-largest city in Austria and the second-largest in the federal state of Carinthia. It is an important traffic junction for southern Austria and the whole Alpe-Adria region. , the population is 61,887. Together wit ...
(''Kärntener Sparkasse'') * January 2011 in
Linz Linz (Pronunciation: , ; ) is the capital of Upper Austria and List of cities and towns in Austria, third-largest city in Austria. Located on the river Danube, the city is in the far north of Austria, south of the border with the Czech Repub ...
(''Allgemeine Sparkasse Oberösterreich'') In the provinces of
Lower Austria Lower Austria ( , , abbreviated LA or NÖ) is one of the nine states of Austria, located in the northeastern corner of the country. Major cities are Amstetten, Lower Austria, Amstetten, Krems an der Donau, Wiener Neustadt and Sankt Pölten, which ...
and ''
Burgenland Burgenland (; ; ; Bavarian language, Austro-Bavarian: ''Burgnland''; Slovene language, Slovene: ''Gradiščanska''; ) is the easternmost and least populous Bundesland (Austria), state of Austria. It consists of two statutory city (Austria), statut ...
'', Die Zweite Sparkasse is represented in the so-called correspondent banking system. Individual branches of regional savings banks provide customer service for ''Die Zweite'': * May 2008: ''Sparkasse Wiener Neustadt'' became a correspondent bank in Lower Austria. * November 2009: ''Erste Bank'' and ''Sparkasse Hainburg-Bruck-Neusiedl'' became correspondent banks in Burgenland. * May 2011: ''Erste Bank St. Pölten'' also became a correspondent bank in Lower Austria.


Description


Services

Zweite Sparkasse provides banking services to clients in financial problem situations. Only people referred to Zweite Sparkasse via one of the cooperating advisory organisations are accepted as clients. On the basis of this recommendation, the new client is provided with an account, initially for a three years term, on a credit basis only and not allowing any overdrafts. The account is debited with a so-called " account management charge" of €9 per quarter, which is refunded to the client when they change to a conventional commercial bank and the second account is closed. Clients are given an
ATM card An ATM card is a dedicated payment card card issued by a financial institution (i.e. a bank) which enables a customer to access their financial accounts via its and others' automated teller machines (ATMs) and, in some countries, to make approve ...
free of charge based on the
Maestro Maestro (; from the Italian '' maestro'' , meaning " master" or "teacher," plural: maestros or maestri) is an honorific title of respect, sometimes abbreviated Mo. The term is most commonly used in the context of Western classical music and oper ...
system. Zweite Sparkasse also offers a "permanent account" to allow customers additional time to sort out their financial problems, and "
managed account In banking, a managed account is a fee-based investment management product for high-net-worth individuals. The main appeal for wealthy individuals is the access to professional money managers, a high degree of customization and greater tax effic ...
s" from which essential payments are made automatically. All clients are issued a basic insurance package when opening an account: free legal advice every three months, small accident insurance policy, household insurance (premium).


Organization

Zweite Sparkasse is a bank. The difference between Zweite Sparkasse and conventional banks consists in its social purpose, its volunteering consultants, and its not-for-profit status. Zweite Sparkasse cooperates closely with Caritas and the Austrian debt counselling services. In Vienna and some other provincial locations Zweite Sparkasse cooperates with numerous other non-governmental organisations.


Awards

* 2006: 20th Greinecker Senior Citizens Award of the
ORF ORF or Orf may refer to: * Norfolk International Airport, IATA airport code ORF * Observer Research Foundation, an Indian research institute * One Race Films, a film production company founded by Vin Diesel * Open reading frame, a portion of the g ...
to Evelyn Hayden for "Die Zweite Wiener Vereins-Sparkasse" (submitted by
ERSTE Foundation ERSTE Foundation (in German DIE ERSTE österreichische Spar-Casse Privatstiftung or in short: ERSTE Stiftung) is the biggest Austrian savings bank foundation. In 2003, it evolved from the Erste österreichische Spar-Casse, the first Austrian sav ...
). * 2007: Sozialmarie 2007 for "Bank für Menschen ohne Bank" (3rd prize). * 2008: Company Social Award of the Fair Finance Association (2nd place; awarded in April 2009). * 2010: TRIGOS 2010 - Nomination for the special award "Measures against poverty and social discrimination" (among the best 29 of 166 projects). * 2011: Sozialmarie 2011 for the debt prevention project "I €AN - Workshops for a Good Start in Living with Money" (4th prize - €1000 prize jointly with the Debt Counselling Service Vienna and Jugend am Werk). * 2012: Dubai International Award For Best Practices To Improve The Living Environment Award (joint prize from
UN-HABITAT The United Nations Human Settlements Programme (UN-Habitat) is the United Nations programme for human settlements and sustainable urban development. It was established in 1977 as an outcome of the first United Nations Conference on Human Settleme ...
and
Dubai Dubai (Help:IPA/English, /duːˈbaɪ/ Help:Pronunciation respelling key, ''doo-BYE''; Modern Standard Arabic, Modern Standard Arabic: ; Emirati Arabic, Emirati Arabic: , Romanization of Arabic, romanized: Help:IPA/English, /diˈbej/) is the Lis ...
City Council). * 2013: Trigos Austria 2013 in the EU category "Best Partnership: Big Companies" as part of the "1st European CSR Award". * 2017: In June 2017, the two founding directors Evelyn Hayden and Gerhard Ruprecht were awarded the Golden Medal of Honor for Services to the Republic of Austria. :Source for all:


References


External links


Official Website ''Die Zweite Sparkasse''

Official Website ''Erste Bank''

Official Website ''ERSTE Stiftung''
{{DEFAULTSORT:Zweite Sparkasse, Die Banks of Austria Companies based in Vienna Non-profit organisations based in Austria 2006 establishments in Austria