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Sparkasse Nürnberg: Repayments for customers after interest rate ruling!
In the BGH ruling of September 23, 2025, savings banks, in particular Sparkasse Nürnberg, must make repayments to customers. Consumers find out which interest clauses are invalid and how they can assert their claims.
Sparkasse Nürnberg: Repayments for customers after interest rate ruling!
An eventful time for savings bank customers: On September 23, 2025, the Federal Court of Justice (BGH) ruled that many savings banks may have paid their customers too low interest rates on premium savings contracts for years. This now has far-reaching consequences for consumers hoping to boost their savings. Sparkasse Nuremberg is particularly affected, with over 3,000 consumers taking part in a model lawsuit filed by the Federal Association of Consumer Organizations (VZBV). Those affected can now expect repayments, which in some cases can even reach four-digit amounts. As merkur.de reports, claims for interest rates that are too low are not time-barred, which means that consumers can assert additional claims even many years after a contract has been concluded.
The verdict has provided some relief, but there are also downsides. The VZBV criticizes the fact that many other savings banks and banks do not meet consumers' demands for additional payments or make incorrect recalculations. Because some banks are surprisingly calm about the matter and refuse to make additional payments. This leads to insecurity and resentment among those affected, because their money belongs to them.
What does this mean for affected consumers?
It is now important for customers who have a premium savings contract to know that they are entitled to the correct interest rates. A large part of the savings contracts concluded between 1990 and 2010 could be ineffective with regard to the interest clauses. Interest rate clauses that are deemed unclear and invalid can result in consumers getting more out of their contracts than initially thought. The Konsumerzentrale offers support in the form of sample letters to make claims. A check couldn't hurt, especially with older contracts from the 1990s and 2000s.
The BGH had already found in 2004 that common interest rate adjustment clauses in many contracts were unclear and formulated clear requirements for the legal design of such clauses. A large number of these clauses have now been declared invalid, which means the light at the end of the tunnel for many customers.
Additional information and support
As BaFin points out, credit institutions must inform consumers about the ineffectiveness of these interest rate adjustment clauses. The responsible authority has issued a general order to ensure that affected customers are fully informed. This regulation applies to long-term premium savings contracts that many have taken out over the past decades.
The Bavarian Consumer Center has also set up an information telephone. Here, affected consumers receive important information on how they can enforce their claims. The path to justice has been prepared, and in the spirit of “those who don't ask remain stupid”, anyone who thinks they might be affected should take advantage of this opportunity.