Kreissparkasse Weilburg

What Kreissparkasse Weilburg does

Kreissparkasse Weilburg is a regional public savings bank (Öffentliche Sparkasse) founded in 1904, headquartered in Weilburg, Hesse, and operating across the Limburg-Weilburg district through 11 branch locations. It serves retail consumers, small-to-medium businesses, and young customers with a comprehensive suite of banking products spanning tiered checking accounts (S-Girokonto family ranging from free Start.Konto to €17.49/month Premium), savings instruments (Tagesgeld at 0.10%, Sparkassenbrief fixed-term deposits yielding up to 2.55% over 10 years), credit products (S-Privatkredit, S-Autokredit, S-Baufinanzierung mortgages), investment services distributed via DekaBank (DekaBank Depot, Deka ETFs, Deka-FondsSparplan, ESG-focused funds), insurance products through SV Versicherung, and real estate services. The bank's customer-facing technology stack includes the App Sparkasse mobile banking application, Online-Banking portal, S-pushTAN and chipTAN-QR authentication, 3-D Secure for card payments, Card Control for real-time card management, Apple Pay/Google Pay integration, Wero instant payments, and a chatbot (Linda) for conversational support.

The bank's go-to-market combines traditional branch-based personal advisory with direct-to-consumer digital self-service. Revenue derives from net interest income on the loan book and deposits, recurring account-maintenance fees (€5.29-€17.49/month tiers plus €12.50-€19.50/year depot custody), securities and fund distribution commissions, insurance referral commissions from SV Versicherung, and card transaction fees. Kreissparkasse Weilburg is a privately held public-sector institution — not listed on any exchange and not venture-backed — operating as an independent legal entity within the Sparkassen-Finanzgruppe, Germany's largest banking group. Its ownership is municipal/public, and it benefits from the group's institutional deposit protection system, PSD2-compliant strong customer authentication, and centralized infrastructure. No revenue, headcount growth, or M&A data are publicly disclosed, consistent with standard German Sparkassen transparency norms.

Name

Kreissparkasse Weilburg

Legal name

Kreissparkasse Weilburg

Website

https://ksk-weilburg.de

Company type

Private

Founded year

1904

Operating status

Operating

Headcount range

51–100 employees

Short description

Kreissparkasse Weilburg is a regional public savings bank in Hesse, Germany, serving retail and SMB customers across the Limburg-Weilburg district with checking, savings, loans, investments, insurance, and digital banking services via 11 branches and the Sparkassen-Finanzgruppe infrastructure.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Savings Institutions and Other Depository Credit Intermediation (52218), Savings Institutions and Other Depository Credit Intermediation (522180), Depository Credit Intermediation (5221)

SIC

Savings Institutions, Not Federally Chartered (6036)

akta.pro industry

PRIMARYFSABAEAD

Mutual Savings Banks & Mutual Thrifts

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Community & Cooperative Banking (Credit Unions, Mutuals)

Keywords

• Retail banking services
• Construction financing
• Wealth management
• Consumer lending
• Savings products

Headquarters

HQ city

Weilburg

HQ country

Germany

HQ region

Europe

Offices10 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Supply Chain

Revenue model

1. Interest Income: Core banking revenue from interest spreads on loans (S-Privatkredit, S-Autokredit, S-Baufinanzierung, S-Dispositionskredit) and mortgages, as well as interest paid on deposits.
2. Account Maintenance Fees: Monthly account fees for Girokonto models (Start.Konto free, Individual €5.29/mo, Direkt €5.99/mo, Komfort €13.49/mo, Premium €17.49/mo) and DekaBank Depot (€12.50-19.50/year).
3. Securities Trading Commissions: Revenue from fund distribution (Deka Investment, Deka ETFs), Sparplan fees, and brokerage commissions on securities transactions.
4. Insurance Distribution: Commission revenue from distributing insurance products including Kfz-Versicherung, Hausratversicherung, Haftpflichtversicherung, and other coverage products through SV Versicherung.
5. Card Transaction Fees: Revenue from credit card transactions, foreign exchange fees on international payments, and ATM withdrawal fees.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core offering

Kreissparkasse Weilburg is a regional German savings bank that provides retail and business banking products, including current accounts (S-Girokonto), savings and term deposit products (S-Plussparen, Sparkassenbrief, Tagesgeld), construction and consumer loans, securities and fund investments via DekaBank, retirement planning, building society savings with LBS, and insurance products with SV. It serves private customers and local businesses across the Limburg-Weilburg district through a branch network, online banking, and mobile apps.

Product overview

Kreissparkasse Weilburg offers a comprehensive regional banking platform combining traditional banking services with modern digital tools. The core portfolio centers on the multi-tiered S-Girokonto checking account system with associated debit/credit cards, supplemented by savings products (Tagesgeld, Sparkassenbrief) and investment services through the DekaBank partnership including the DekaBank Depot, Deka ETFs, Deka-FondsSparplan, and the Fonds-Finder tool. The bank provides credit products ranging from personal loans (S-Privatkredit) and auto loans (S-Autokredit) to comprehensive mortgage financing (S-Baufinanzierung), alongside insurance offerings and real estate services. Digital banking is enabled through the App Sparkasse, Online-Banking platform, S-pushTAN authentication, and card management via Card Control. The product ecosystem is designed for retail customers across all life stages, with specialized offerings for young customers including Money Genius Island financial education.

Differentiator

Problem solved

Functional benefit

Products and services

• S-Girokonto (Current Account)
• Tagesgeld (Overnight Money)
• Sparkassenbrief (Term Deposit)
• S-Plussparen (Savings Plan)
• Sparkassen-Depot (Securities Account)
• DekaBank Depot (Investment Account)
• Deka-FondsSparplan (Fund Savings Plan)
• Deka ETFs
• Deka Nachhaltige Geldanlage (Sustainable Investments)
• Deka-Immobilienfonds (REALISINVEST EUROPA)
• S-Baufinanzierung (Construction Financing)
• S-Autokredit (Auto Loan)
• S-Privatkredit (Personal Loan)
• S-Modernisierungskredit (Home Renovation Loan)
• Sparkassen-Altersvorsorge (Retirement Planning)
• LBS-Bausparen (Building Society Savings)
• Versicherungen (Insurance Products)
• App Sparkasse (Mobile Banking App)
• S-Invest App (Investment App)

Quantifiable outcome

• 0.10% Tagesgeld interest rate for daily savings
• +2 more outcomes

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature7 records

Partnerships

Six partnerships are on record, tiered core and minor.

• DekaBankcoreTechnology or IntegrationDekaBank is the securities house of the Sparkassen-Finanzgruppe, providing investment fund products (Deka Investment, Deka ETFs), the DekaBank Depot platform, and securities brokerage services. Kreissparkasse Weilburg distributes these products to its retail and business customers through its branches and digital channels.
• PAYBACKminorGTM or Marketing PartnerPAYBACK is a loyalty points program integrated with Sparkassen-Card (debit card), allowing customers to earn points on purchases. The partnership includes special promotions like the PAYBACK World Cup football quiz.
• LBS (Landesbausparkasse)coreStrategic or Co-development PartnerLBS building society partnership for home savings products, mortgage financing, and state-subsidized home ownership savings (Wohn-Riester, vermögenswirksame Leistungen), integrated into the Sparkasse's real estate and financing services.
• Real I.S. AGminorStrategic or Co-development PartnerReal I.S. AG manages the REALISINVEST EUROPA open-end real estate fund distributed by Kreissparkasse Weilburg. The fund invests in European commercial and residential properties with sustainability certifications.
• SV Versicherung (Sparkassen Versicherung)coreChannel Partner/ Reseller/ DistributorSV Versicherung provides insurance products distributed through Kreissparkasse Weilburg including Kfz, home, liability, legal protection, health, travel, and property insurance.
• Wero (European Payments Initiative)coreTechnology or IntegrationWero is the instant payment solution of the Sparkassen-Finanzgruppe enabling fast peer-to-peer and consumer-to-business payments integrated into the online and mobile banking platform.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Targobank: National retail and business bank offering deposit, credit, and brokerage products overlapping Kreissparkasse's S-Girokonto and S-Privatkredit offerings, though focused on a less branch-intensive customer experience.
• DKB (Deutsche Kreditbank): Large direct-bank competitor offering nationally-priced Tagesgeld, checking, and investment products, frequently cited as a benchmark for transparent, app-based retail banking against which regional Sparkassen compete for deposit and loan volume.
• ING-DiBa: Germany's largest direct bank with a strong Tagesgeld and Girokonto franchise; competes with Kreissparkasse on deposit rates and digital onboarding, particularly relevant for Limburg-Weilburg customers comfortable switching away from branch banking.
• Frankfurter Sparkasse: Larger Sparkasse serving the Frankfurt/Hesse region with a broader branch network and product set; demonstrates the scale-up trajectory within the same Sparkassen-Finanzgruppe framework serving a similar Hessian customer base.

Direct peers

• Nassauische Sparkasse (Naspa): Regional German Sparkasse operating in nearby Nassau/Frankfurt-Hesse territory under the same Sparkassen-Finanzgruppe, with the same product matrix (Girokonto, Tagesgeld, Baufinanzierung, Deka investments, SV insurance). Highly comparable institutional structure and customer base.
• Kreissparkasse Limburg: Neighboring Kreissparkasse serving adjacent Landkreis Limburg-Weilburg within the same Sparkassen-Verbund; offers an essentially identical product range (Sparkassenbrief, S-Baufinanzierung, S-Privatkredit, Deka Depot) and competes for overlapping retail and SMB customers.
• Sparkasse Wetzlar: Regional Sparkasse in central Hesse with comparable branch-network retail and corporate banking model, offering the same S-Girokonto tiers, mortgage financing, and Deka/SV product distribution.
• Sparkasse Gießen: Mid-sized Sparkasse operating in central Hesse with similar retail, business, and wealth-management offerings including giro, savings, Baufinanzierung, and Deka investment products via the Sparkassen-Finanzgruppe.

Regional players

• Volksbank Mittelhessen: Regional cooperative bank (Volksbank) operating in central Hesse, competing with Kreissparkasse for retail deposits, mortgages, and small-business banking — comparable population segment and product offering under a different institutional umbrella.

Others

• DekaBank: Central securities and asset-management arm of the Sparkassen-Finanzgruppe, supplying Kreissparkasse Weilburg's investment fund, ETF, and depot infrastructure — a core upstream partner rather than a competitor, but the same entity that shapes the bank's investment-product roadmap.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/KreissparkasseWeilburg
• Instagraminstagram.com/kskweilburg

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Kreissparkasse Weilburg