When does the S-ID-Check Sparkasse app end?

Sparkassen-Finanzgruppe plans to retire the S-ID-Check Sparkasse app by the end of 2026. Customers in Germany should switch to the S-pushTAN app during 2026 to keep confirming online credit card payments. Early migration helps avoid failed checkouts and reduces confusion during the final phase-out period.

How do I switch from S-ID-Check to the S-pushTAN app?

Install or update the S-pushTAN app, activate it in Sparkasse online banking, and follow prompts to enable 3D Secure for your card. Allow push notifications and confirm biometrics or a PIN. Then make a small online purchase to verify approvals arrive in-app and replace S-ID-Check Sparkasse challenges smoothly.

Does this affect Visa Secure and Mastercard purchases?

Yes. 3D Secure at Sparkasse supports Visa Secure and Mastercard Identity Check. After you enable the S-pushTAN app, you will confirm online purchases in-app rather than in S-ID-Check Sparkasse. This keeps transactions compliant with strong customer authentication while aiming to reduce delays and failed one-time passwords.

What happens if I do not have a smartphone for S-pushTAN?

Contact your local Sparkasse to discuss alternatives. Options can vary by institution and customer profile. If you cannot use the S-pushTAN app, your bank can advise on supported methods to meet 3D Secure requirements. Do not wait until a payment fails. Ask for guidance and set up an approved path early.

Global Market Insights

February 09: Sparkasse to Retire S‑ID‑Check; Shift to 3D Secure via S‑pushTAN

ByHuzaifa Zahoor February 9, 2026February 9, 2026

S-ID-Check Sparkasse is being retired as Sparkassen-Finanzgruppe shifts credit card authentication to 3D Secure using the S-pushTAN app. The phase-out runs through the end of 2026, and customers in Germany should switch this year to avoid failed online payments. We explain what changes in checkout flows, the impact on Visa Secure and Mastercard transactions, and what merchants and payments investors should watch as German e-commerce adapts to tighter authentication standards.