Kreissparkasse Goppingen

What Kreissparkasse Goppingen does

Kreissparkasse Göppingen is a German public-law savings bank (Anstalt des öffentlichen Rechts) founded in 1846 and headquartered at Marktstraße 2, 73033 Göppingen, Baden-Württemberg. It operates as part of the Sparkassen-Finanzgruppe — Germany's largest savings bank financial services network — and serves retail and business customers throughout the Göppingen district. The bank is supervised by the European Central Bank and BaFin, and operates under the Sparkassen institute guarantee system recognized under EinSiG. Its legal form as a public-law institution owned by the district precludes public share ownership or IPO; the governance body is the Vorstand, currently comprising Klaus Meissner (Chair) and Cindy Berend, overseen by a Verwaltungsrat.

Its core product portfolio spans checking accounts (GIRO. at €9.90/month, GiroFlex from €3.90/month, GIRO.Start for children, and a free student/trainee account), debit and credit cards (Sparkassen-Card, Mastercard Standard/GOLD/Basis), consumer and mortgage lending (S-Baufinanzierung, S-Modernisierungskredit, S-Privatkredit, S-Autokredit, S-Dispositionskredit), savings products (S-Tagesgeld, Sparkassenbrief, LBS-Bausparen, SOLIT precious metals depot, PS-Sparen und Gewinnen), retirement solutions (S-VermögensPolice Invest, IndexGarant, BasisRente, Betriebliche Altersvorsorge), insurance distribution via SV Sparkassen-Versicherung, and real estate services through its wholly-owned S-Immobilien Göppingen GmbH subsidiary. Digital channels are built on Online-Banking with chipTAN/pushTAN authentication, the App Sparkasse mobile banking platform (described as Germany's most-used banking app), S-pushTAN-App for transaction signing, Wero for real-time P2P payments, Multibanking aggregation, Card Control, Elektronisches Postfach, and the S-Versicherungsmanager insurance aggregation tool.

The revenue model combines account management fees (monthly giro pricing), net interest income from lending (mortgages, consumer loans, KfW-subsidized loans, overdrafts), transaction-based fees from Deka securities brokerage and Deka-FondsSparplan, commissions on SV Sparkassen-Versicherung insurance products, and real estate brokerage commissions from S-Immobilien Göppingen GmbH. Distribution is hybrid: a regional branch network across the Göppingen district combined with 24/7 self-service online and mobile channels, an inside-sales customer service center (07161 603-0), and a 24-hour card-blocking hotline (116 116). Go-to-market is fundamentally direct-to-consumer/regional with sales-led advisory for complex products (mortgages, financial planning, insurance), supported by digital marketing via Google Ads, social media (TikTok, Instagram, LinkedIn, YouTube), and community initiatives such as WirWunder Göppingen.

Name

Kreissparkasse Goppingen

Legal name

Kreissparkasse Göppingen Anstalt des öffentlichen Rechts

Website

https://ksk-gp.de

Company type

Private

Founded year

1846

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Kreissparkasse Göppingen is a German public-law savings bank serving retail and corporate customers in the Göppingen district of Baden-Württemberg, offering checking, lending, savings, retirement, insurance, and real estate services through branches and digital channels as part of the Sparkassen-Finanzgruppe.

Ownership category

akta.pro rank

Headquarters

HQ city

Göppingen

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Account Management Fees: Monthly fees charged for giro account models. GIRO. at €9.90/month includes Sparkassen-Card, online banking, app, and all bookings included. GIROFlex starts at €3.90/month with per-transaction pricing.
2. Lending and Credit Products: Interest income from mortgage loans (S-Baufinanzierung), consumer loans (S-Privatkredit, S-Autokredit), modernization loans, forward loans, and overdraft facilities.
3. Insurance Distribution: Commission revenue from distributing insurance products through the Sparkassen-Finanzgruppe, including house contents insurance via SV Sparkassen-Versicherung and other personal insurance products.
4. Investment and Securities: Revenue from securities brokerage, Deka investment fund distribution, and asset management services including Private Banking.
5. Real Estate Brokerage: Commission from the subsidiary S-Immobilien Göppingen GmbH for property buying, selling, and renting services.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels6 records

Core offering

Kreissparkasse Göppingen is a German public-law savings bank (Anstalt des öffentlichen Rechts) operating in the Göppingen district of Baden-Württemberg. It provides retail and corporate banking products including checking accounts (GIRO., GiroFlex, GIRO.Start), savings products, mortgage and consumer lending, credit cards, retirement and insurance solutions, securities brokerage via Deka, and real estate brokerage through its subsidiary S-Immobilien Göppingen GmbH. Services are delivered via a regional branch network, online banking, the App Sparkasse, and telephone banking as part of the Sparkassen-Finanzgruppe.

Product overview

Kreissparkasse Göppingen is a German public savings bank (Anstalt des öffentlichen Rechts) offering a comprehensive financial services platform. The core product portfolio includes multiple GIRO. checking account models (GIRO., GiroFlex, GIRO.Start for children, and GIRO. for students/trainees) with associated debit and credit cards (Sparkassen-Card, Mastercard Standard/GOLD/Basis). The bank provides diverse financing options including S-Baufinanzierung (mortgage lending), S-Modernisierungskredit (home improvement loans), S-Privatkredit (personal loans), S-Autokredit (auto loans), and KfW government-subsidized loans. Savings products encompass S-Tagesgeld, S-Zinsgeld, Sparkassenbrief, LBS-Bausparen (building society savings with state subsidies), and SOLIT precious metals depot. Retirement solutions include S-VermögensPolice Invest, IndexGarant, Betriebliche Altersvorsorge (company pensions), and BasisRente. Digital services are delivered through Online-Banking, the App Sparkasse (mobile banking), S-pushTAN-App (secure authentication), Wero (instant payments), Multibanking, and Elektronisches Postfach. The bank also offers insurance products, real estate services through its subsidiary S-Immobilien Göppingen GmbH, and advisory services including the Sparkassen-Finanzkonzept (holistic financial planning) and Cockpit Immobilie (property management dashboard).

Differentiator

Problem solved

Functional benefit

Brands

• Sparkassen-Finanzkonzept: Holistic financial advisory concept covering eight thematic areas: accounts & cards, savings & investments, housing & real estate, loans & consumer finance, insurance, retirement planning, giving & inheritance, and children & youth.
• GIRO.
• GiroFlex
• GIRO.Start
• Sparkassen-Altersvorsorge
• S-Immobilien
• S-Baufinanzierung
• Forward-Darlehen
• LBS-Bausparen

Products and services

• GIRO. Checking Account Classic checking account for personal customers including a Sparkassen-Card (debit), online banking, App Sparkasse and unlimited bookings for EUR 9.90 per month.
• GiroFlex Checking Account Flexible checking account with a lower monthly base fee starting at EUR 3.90 and per-transaction pricing for individual bookings; supports contactless payment via card or smartphone.
• GIRO. for Students, Trainees and Apprentices Free giro account for students, trainees and apprentices under 25 years of age, providing standard giro and card features at no charge.
• GIRO.Start Children's Growing Account Account designed for children from birth through career start that grows with the child to support learning financial management.
• Sparkassen-Card (Debit) Debit card with Girocard and Visa Debit functionality for payments and cash withdrawals worldwide, issued to account holders.
• Mastercard Standard Credit Card Credit card with worldwide cashless payments, free foreign-currency withdrawals and 24-hour emergency service for personal customers.
• Mastercard GOLD Credit Card Premium credit card with travel insurance coverage and family protection benefits worldwide for personal customers.
• Mastercard Basis (Debit) Debit-card alternative from Mastercard for flexible payments and cash withdrawals linked to the customer's account.
• S-Baufinanzierung (Construction Financing) Mortgage loan product offering fixed interest rates throughout the loan term with flexible repayment options for personal customers financing home purchase or construction.
• Forward-Darlehen (Forward Loan) Forward loan securing follow-up Anschlussfinanzierung rates up to three years in advance for existing borrowers approaching rate reset.
• S-Modernisierungskredit (Modernization Loan) Consumer loan for home modernization and renovation up to EUR 50,000 without requiring a land-register entry.
• S-Privatkredit (Personal Loan) Unsecured personal loan for various consumer needs with flexible terms and repayment options for retail borrowers.
• S-Autokredit (Auto Loan) Auto loan designed specifically for financing vehicle purchases by personal customers.
• S-Dispositionskredit (Overdraft Facility) Pre-arranged overdraft credit line available to eligible account holders for short-term liquidity needs.
• KfW-Förderkredite (Government Subsidized Loans) Government-subsidized loans distributed via KfW for energy-efficient construction, renovation, modernization and accessibility modifications.
• S-Tagesgeld (Daily Savings) Daily-accessible savings account paying variable interest rates for retail savers.
• S-Tagesgeld Plus Enhanced daily savings account offering improved variable interest rates for retail customers.
• S-Zinsgeld (Fixed-Term Deposit) Fixed-term deposit paying guaranteed interest rates for the agreed deposit period for retail savers.
• Sparkassenbrief (Fixed-Interest Savings Letter) Fixed-interest savings letter providing guaranteed returns over a defined term for retail customers.
• LBS-Bausparen (Building Society Savings) Building society savings contract with state subsidies including Wohnungsbau-Prämie, Arbeitnehmer-Sparzulage and Wohn-Riester, distributed in partnership with LBS Baden-Württemberg.
• SOLIT Edelmetalldepot Tarif S Precious-metals depot account enabling retail customers to invest in physical gold, silver, platinum and palladium through partner SOLIT.
• S-VermögensPolice Invest Investment-linked pension insurance offering capital-market exposure with the aim of attractive retirement returns, underwritten via SV Sparkassen-Versicherung.
• IndexGarant Retirement Product

Quantifiable outcome

• Online-Banking available 24/7, Card blocking service 116 116 available 24/7

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature5 records

Partnerships

Five partnerships are on record, tiered core.

• S-Immobilien Göppingen GmbHcoreStrategic or Co-development PartnerWholly-owned subsidiary of Kreissparkasse Göppingen providing real estate brokerage services for buying, selling, renting, and property valuation. Operates the S-ImmoWertrechner tool and manages the bank's real estate listings.
• LBS (Landesbausparkasse) Baden-WürttembergcoreStrategic or Co-development PartnerBuilding society partnership offering LBS building savings contracts with government subsidies including Wohnungsbau-Prämie, Arbeitnehmer-Sparzulage, and Wohn-Riester. Provides LBS modernization loans and home savings products.
• Deka (DekaBank Deutsche Girozentrale)coreChannel Partner/ Reseller/ DistributorInvestment fund partner of the Sparkassen-Finanzgruppe offering Deka investment funds, Deka-FondsSparplan, and securities brokerage. Access via online banking and the Deka depot.
• KfW (Kreditanstalt für Wiederaufbau)coreChannel Partner/ Reseller/ DistributorFederal development bank providing subsidized loans for energy-efficient construction, renovation, and modernization. Kreissparkasse Göppingen distributes KfW-Förderkredite for residential energy efficiency projects.
• SV Sparkassen-VersicherungcoreChannel Partner/ Reseller/ DistributorInsurance partner of the Sparkassen-Finanzgruppe offering home contents insurance, liability insurance, building insurance, and other personal insurance products underwritten by SV Sparkassen-Versicherung.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Kreissparkasse Esslingen-Nürtingen: Neighboring Kreissparkasse in Baden-Württemberg serving a comparable mid-sized district; virtually identical product suite (giro, mortgages, savings, Deka/LBS/SV distribution), public-law status, and Sparkassen-Finanzgruppe affiliation make it the closest analog.
• Sparkasse KölnBonn: One of Germany's largest Sparkassen, operating under the same public-law and Sparkassen-Finanzgruppe framework with a comparable full-service retail/business product set across a sizable German metropolitan region.
• Hamburger Sparkasse (Haspa): Major metropolitan Sparkasse offering the same giro, mortgage, savings, securities, and insurance distribution product family tied to S-Immobilien-equivalent real estate services and Sparkassen-Finanzgruppe partnerships.
• Stadtsparkasse München: Munich's public-law savings bank with an analogous retail and corporate product portfolio; comparable digital channels, insurance/baufinanz distribution via Sparkassen partners, and S-Immobilien-style real estate services.
• Sparkasse Nürnberg: Major Bavarian Sparkassen peer operating with the same Anstalt des öffentlichen Rechts structure, full-service retail offering, Deka/LBS/SV product distribution, and regional branch network economics.
• Berliner Sparkasse: Capital-city Sparkasse delivering the same giro, mortgage, securities, and insurance product mix via Sparkassen-Finanzgruppe infrastructure, with broadly comparable institutional and regulatory setup.
• Sparkasse Bremen: Another mid-to-large Sparkasse providing directly comparable retail/commercial banking, savings, Deka investment, LBS, and SV Sparkassen-Versicherung product distribution under the same Sparkassen guarantee framework.

Broad incumbents

• Landesbank Baden-Württemberg (LBBW): State bank of Baden-Württemberg and apex institution in the same Sparkassen-Finanzgruppe; while much larger and more corporate/wholesale oriented, it shares regulatory, distribution, and product infrastructure with Kreissparkasse Göppingen.
• DZ Bank (Volksbanken Raiffeisenbanken): Central institution of the parallel German cooperative banking sector, competing head-to-head with Sparkassen across retail banking, mortgages, and bancassurance; comparable scale and product breadth.
• Postbank (Deutsche Bank): National retail bank competing directly with Kreissparkasse across giro, mortgages, and consumer credit; provides a useful public-market reference for German retail-banking franchise economics though it is not a Sparkasse.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xtiktok.com/@kskgoeppingen
• YouTubeyoutube.com/channel/UCaldKuEiY6DKmfMFeG94TDg
• Facebookfacebook.com/kskgoeppingen
• LinkedInlinkedin.com/company/kreissparkasse-g%C3%B6ppingen
• Instagraminstagram.com/ksk_goeppingen

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries1 record

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 Goppingen