norisbank GmbH

Name

norisbank GmbH

Legal name

norisbank GmbH

Website

https://norisbank.de

Company type

Private

Founded year

1954

Operating status

Operating

Ownership category

akta.pro rank

Product category

Retail Banking (Direct Banking)

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221)

SIC

National Commercial Banks (6021)

akta.pro primary industry

Digital Banking & Neobank Platforms (BPAMAFAD)

akta.pro secondary industries

Credit & Overdraft Enablement (Credit Lines, Underwriting Integrations) (FSAGAAAJ), Direct-to-Consumer (D2C) Personal Lending Platforms (Unsecured Installment) (FSAKAAAK), Overdraft & NSF Fee-Based Short-Term Credit (FSAKAMAF)

Keywords

• Retail banking services
• Consumer lending products
• Direct banking
• Savings accounts
• Credit card services

Headquarters

HQ city

Bonn

HQ country

Germany

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income on Credit Products: norisbank earns interest on customer loans including personal loans (Ratenkredit) and overdraft facilities (Dispokredit). Interest is charged on used credit limits and revolving credit card balances.
2. Interest Income on Savings and Deposits: The bank pays interest to customers on savings products (Tagesgeld, Festgeld) and holds customer deposits, using float for lending and investment activities.
3. Credit Card Transaction Fees: Interchange fees from Mastercard debit and credit card transactions, both domestic and international. Merchants accepting Mastercard cards pay a percentage of transaction value to the card network.
4. Account Maintenance and Service Fees: Revenue from various account-related services. While the Top-Girokonto is free, premium services, overdraft facilities, and certain transaction types generate fee income.
5. Banking Services and Processing Fees: Fees for services such as payment processing, overdraft usage, foreign currency transactions, and other ancillary banking services as detailed in the price and fee schedule.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels6 records

Core offering

norisbank GmbH is a German direct bank offering retail banking products to consumers exclusively through digital channels. Its core offerings include the free Top-Girokonto checking account, Mastercard Debitkarte and Kreditkarte, Tagesgeld and Festzins-Sparen savings accounts, Ratenkredit installment loans, and Dispokredit overdraft facilities. The bank distributes and services these products via the norisbank website, online banking portal, iOS and Android mobile app, 24/7 phone banking, and Deutsche Post PostIdent, without any physical branch network.

Product overview

norisbank GmbH is a German direct bank (Direktbank) offering a comprehensive digital banking platform with multiple product lines. The core offering centers on the Top-Girokonto (checking account) which bundles with Mastercard Debitkarte and optional Mastercard Kreditkarte. Additional products include Tagesgeldkonto and Festzins-Sparen (savings), Ratenkredit and Dispokredit (lending). The banking platform comprises Online-Banking (web), norisbank App (mobile), and HBCI/FinTS connectivity for third-party financial software. Security features include photoTAN, BestSign, 3D Secure, and 2-Faktor-Authentifizierung. Mobile payments are supported via Apple Pay and Google Pay integrations. The bank is a subsidiary of Deutsche Bank Group.

Differentiator

Problem solved

Functional benefit

Products and services

• Top-Girokonto Primary free checking account for German retail consumers with a free Mastercard Debitkarte, free cash withdrawals at 97% of German ATMs and worldwide Mastercard ATMs, 4% p.a. promotional Tagesgeld interest for 6 months on a linked savings account, and a 120€ switching bonus for new customers who move three payment partners via the online Kontowechsel service.
• Girokonto plus Premium variant of the norisbank checking account with additional features beyond the standard Top-Girokonto offering. Specific feature set and pricing per the Preis- und Leistungsverzeichnis fee schedule.
• Mastercard Debitkarte Mastercard debit card offering free cash withdrawals at ATMs in Germany and worldwide, contactless NFC payments, and integration with Apple Pay and Google Pay for mobile payments.
• Mastercard Kreditkarte Mastercard credit card with no annual fee for German retail consumers, offering worldwide cashless payments, free cash withdrawals at Mastercard ATMs abroad, and a revolving credit limit up to 10,000 EUR based on creditworthiness. Interest is charged on revolving balances.
• Tagesgeldkonto
• Festzins-Sparen
• Ratenkredit
• Dispokredit

Quantifiable outcome

• 4% p.a. promotional interest rate on Tagesgeld for 6 months (as of current offer)
• +3 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

AI capability5 records

Feature6 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Mastercard (Mastercard Europe SA)coreTechnology or IntegrationMastercard provides the payment network for norisbank's debit and credit cards. All Mastercard transactions generate interchange fees. norisbank offers Mastercard Debitkarte and Mastercard Kreditkarte products backed by the Mastercard network globally.
• Apple (Apple Pay)coreTechnology or Integrationnorisbank integrates its Mastercard debit and credit cards with Apple Pay, enabling iPhone, iPad, Apple Watch, and MacBook users to make contactless mobile payments using NFC technology via the Apple Wallet.
• Google (Google Pay / Google Wallet)coreTechnology or Integrationnorisbank integrates its Mastercard debit and credit cards with Google Pay and Google Wallet for Android devices, enabling NFC-based contactless mobile payments.
• Bundesverband deutscher Banken (German Banking Industry Committee)coreOthersnorisbank is a member of the Bundesverband deutscher Banken, the Einlagensicherungsfonds des Bundesverbandes deutscher Banken, and the Entschädigungseinrichtung deutscher Banken GmbH, providing statutory deposit protection up to 100,000 EUR per depositor.
• Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin)coreOthersnorisbank is a licensed bank supervised by BaFin (banking supervision) and the European Central Bank (EZB).
• Versicherungsombudsmann e.V.minorOthersnorisbank participates in the out-of-court dispute resolution procedure of the Versicherungsombudsmann for insurance-related complaints.

Scale indicators4 records

Recent moves6 records

Direct peers

• DKB (Deutsche Kreditbank): Direct bank subsidiary of BayernLB offering Girokonto, savings, consumer lending, and a brokerage platform. Similar direct-bank operating model, German retail focus, and digital-first customer experience.
• N26 Bank GmbH: Berlin-based neobank offering mobile-first current accounts, Mastercard cards, Apple/Google Pay integration, and consumer lending products in Germany. Direct competitor in the same digitally native German retail segment with overlapping feature set.
• Consorsbank (BNP Paribas subsidiary): BNP Paribas-owned German direct bank with checking, savings, securities trading, and personal loans. Similar product-led, digital-only retail proposition; comparable customer demographic and acquisition-led GTM model.
• Targobank (Crédit Mutuel subsidiary): German retail and consumer credit bank offering checking, savings, personal loans, and credit cards under a hybrid (online + branch) model. Comparable product breadth and German retail credit focus.
• comdirect (Commerzbank brand): Direct bank offering checking, savings, brokerage, and personal loans to German retail customers. Comparable in target market (German retail), product breadth (including investment/Ratenkredit), and branchless digital delivery.
• Santander Consumer Bank (Germany): Santander's German consumer credit subsidiary offering Ratenkredit, auto financing, and retail deposits. Direct overlap on personal installment credit and savings products serving German retail.
• Volkswagen Bank (Volkswagen Financial Services): Captive German retail bank offering checking, savings, and consumer/auto credit. Overlaps with norisbank's Ratenkredit, Dispokredit, and savings products targeted at German retail consumers.
• ING Deutschland (formerly ING-DiBa): Germany's largest direct bank, offering Girokonto, Tagesgeld, Ratenkredit, and brokerage. Directly comparable as a branchless, deposit-funded retail bank serving German consumers via digital channels with a similar fee-free and rate-led proposition.
• Revolut Bank Germany: European fintech with full German banking license offering multi-currency accounts, cards, and consumer credit features. Competes in the same digitally native retail deposit and payment space.

Emerging players

• Bunq (Germany operations): European neobank that has expanded into Germany. Partial overlap: targets digitally native retail customers with mobile-first accounts, though with smaller credit-book presence than norisbank.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/people/Norisbank/61575824904093
• LinkedInlinkedin.com/company/norisbank-ag

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

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 norisbank GmbH