Kreissparkasse Euskirchen

What Kreissparkasse Euskirchen does

Kreissparkasse Euskirchen is a public-law regional savings bank (Öffentlich-rechtliches Kreditinstitut) operating under German banking law as part of the Sparkassen-Finanzgruppe, one of Germany's largest financial services networks. It serves retail and business customers in the Euskirchen district of North Rhine-Westphalia, with its headquarters at Von-Siemens-Str. 8, Euskirchen. The bank holds Bankleitzahl 38250110 and BIC WELADED1EUS, and operates without independent private ownership, instead fulfilling a statutory regional mandate.

The bank's product portfolio spans the full spectrum of universal banking. Core offerings include the S-Girokonto checking account family (S-Giro Basis, S-Giro Inklusiv), Sparkassen-Card debit and Mastercard credit cards, and lending products such as S-Baufinanzierung (mortgages), S-Privatkredit, S-Autokredit, and S-Dispositionskredit (overdraft at 12.60% p.a.). Securities and investment products include S-Depot Comfort (from €23.80/year), S Broker DirektDepot (online self-directed brokerage from €8.99/order), DekaBank Depot, Deka-FondsSparplan, Deka-BasisAnlage, and bevestor digital wealth management (from €25/month). Insurance distribution (Provinzial, UKV), LBS-Bausparen building savings, KfW promotional loans, and retirement products (S-BasisRente, Betriebliche Altersversorgung) round out the portfolio. Distribution operates through branch advisory, online banking, the App Sparkasse, S-Invest App, phone banking, and specialized advisory centers (S-FirmenCenter, S-ImmobilienCenter, S-VermögensCenter).

Revenue is generated primarily through net interest income on lending, account/card maintenance fees, securities transaction commissions, insurance distribution commissions, and fund distribution trailer fees. The bank combines traditional branch-based advisory with expanding digital channels, and integrates with the Sparkassen-Finanzgruppe's shared infrastructure for product procurement (DekaBank, S Broker, LBS, KfW, Provincial). Customer segments are segmented into Privatkunden (private retail), Firmenkunden (SME and corporate), Junge Kunden (children/students/young adults via KNAX-Klub and S-Club), and Private Banking Kunden (high-net-worth). The bank has received five-fold DIE WELT advisory awards for NRW private customer advisory, and serves as a founding member of the Bündnis Nachhaltige Unternehmen sustainability alliance since December 2025.

Name

Kreissparkasse Euskirchen

Legal name

Kreissparkasse Euskirchen

Website

https://kreissparkasse-euskirchen.de

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Kreissparkasse Euskirchen is a public-law regional savings bank serving retail and SME customers in the Euskirchen district of North Rhine-Westphalia, Germany, offering checking, lending, securities, insurance, and retirement products through branches and digital channels as part of the Sparkassen-Finanzgruppe.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

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

SIC

Savings Institutions, Not Federally Chartered (6036)

akta.pro primary industry

Savings Banks (Public/State-Owned) (FSABAKAK)

akta.pro secondary industry

Full-Service Retail Brokerage & Wealth Platforms (FSAAAAAA)

Keywords

• Retail banking services
• Consumer lending products
• Securities brokerage
• Insurance distribution
• Wealth management

Headquarters

HQ city

Euskirchen

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. Interest Income: Traditional banking interest income from lending products including mortgages (S-Baufinanzierung), personal loans (S-Privatkredit), auto loans (S-Autokredit), and overdraft facilities (S-Dispositionskredit)
2. Account and Card Fees: Monthly account maintenance fees, credit card fees (Mastercard Basis, Mastercard Platinum), and debit card (Sparkassen-Card) related revenue
3. Securities Trading Commissions: Brokerage commissions from S-Depot Comfort, S Broker DirektDepot, and DekaBank Depot including order fees and custody fees
4. Insurance Distribution: Commission revenue from distribution of insurance products including PflegePRIVAT, Kfz-Versicherung, Rechtsschutzversicherung, and other property/casualty insurance
5. Investment Fund Distribution: Distribution fees and trailer commissions from Deka Investment funds, including savings plans (Deka-FondsSparplan) and one-time investments
6. Bausparen and Savings Products: Revenue from LBS-Bausparen products including government-subsidized savings (Wohnungsbauprämie, Wohn-Riester, VL-Sparen)

Pricing tiers

Go-to-market motion2 records

Distribution channels8 records

Marketing channels8 records

Core offering

Kreissparkasse Euskirchen is a regional public savings bank providing universal retail and commercial banking services, including checking and savings accounts, consumer and mortgage loans, securities trading and brokerage, investment funds, insurance distribution, retirement planning, building savings, and real estate services. These offerings are delivered through physical branches in the Euskirchen district, complemented by digital channels (online banking, mobile app, phone banking) and partner integrations (DekaBank, S Broker, LBS, Apple Pay).

Product overview

Kreissparkasse Euskirchen operates as a regional savings bank (Sparkasse) offering a comprehensive, multi-product financial services platform. The core banking offerings center on S-Girokonto (checking accounts) with associated debit cards (Sparkassen-Card) and credit cards (Mastercard Basis/Platinum). Credit products include S-Baufinanzierung (mortgage), S-Privatkredit (personal loan), S-Autokredit (auto loan), and S-Dispositionskredit (overdraft). Savings and investment services feature S-Depot Comfort and S Broker DirektDepot for securities trading, DekaBank Depot and Deka-FondsSparplan/Deka-BasisAnlage for fund investments, bevestor for digital wealth management, and Tagesgeldkonto/Sparkassenbrief for traditional savings. The bank provides Versicherungen (insurance) products, Immobilien (real estate) services, LBS-Bausparen (building savings), and retirement solutions including S-BasisRente (Rürup-Rente) and Betriebliche Altersversorgung (company pension). Digital services include Online-Banking, App Sparkasse/S-Invest App, Elektronisches Postfach, Wero instant payments, and Finanzplaner/Sparkassen-Finanzkonzept advisory tools. Youth offerings comprise KNAX-Klub and S-Club programs. The bank also offers specialized products like Deka-Künstliche Intelligenz thematic fund and Nachhaltige Geldanlage (sustainable investments). Products are distributed through branches, Online-Banking, and mobile applications, with integration to Apple Pay for contactless payments.

Differentiator

Problem solved

Functional benefit

Products and services

• S-Girokonto Primary checking account product with multiple variants (S-Giro Basis, S-Giro Inklusiv, S-Giro Inklusiv Junge Erwachsene) offering online banking, debit card, and transaction services for retail customers.
• Sparkassen-Card (Debitkarte) Debit card offering cashless payments worldwide at over 24 million acceptance points, with Apple Pay integration available for contactless payments.
• Mastercard Basis (Debitkarte) Mastercard debit card product for retail customers offering worldwide acceptance and integration with the bank's giro account.
• Mastercard Platinum (Kreditkarte) Premium Mastercard credit card product for retail customers with additional travel and insurance benefits.
• S-Baufinanzierung Real estate financing product for purchasing or building property, offered as part of the credit and financing portfolio for retail customers.
• S-Privatkredit Personal loan for financing individual projects with transparent, flexible terms, quick processing, and competitive rates for retail customers.
• S-Autokredit Specialized vehicle financing loan for purchasing new or used automobiles, offered to retail customers.
• S-Dispositionskredit Authorized overdraft facility allowing accounts to go negative up to an agreed limit, with interest charged only on used amounts at 12.60% p.a. for authorized overdraft and 15.60% p.a. for tolerated overdraft.
• Tagesgeldkonto Daily deposit account offering flexible access to savings with variable interest rates for retail customers.
• Sparkassenbrief Fixed-term savings product offering guaranteed returns for specified investment periods for retail customers.
• S-Depot Comfort Securities depot for storing and trading investments including bonds, funds, ETFs, and stocks. Accessible via Online-Banking and S-Invest App, starting at €23.80 annually with tiered transaction commissions.
• S Broker DirektDepot Self-directed online brokerage platform without branch advisory services, offering commission-free depot maintenance subject to minimum €10,000 quarterly balance or transaction, with orders starting at €8.99.
• DekaBank Depot Investment depot platform for purchasing Deka funds, certificates, and ETFs, starting at €12.50/year with electronic postbox, offering video identification for online account opening.
• Deka-FondsSparplan Regular savings plan for funds and ETFs starting at €25/month, with flexible contribution changes, pauses, or increases, and dynamic rate adjustments available.
• Deka-BasisAnlage Fund investment with five risk variants (conservative, moderate, balanced, dynamic, offensive) starting at €25, featuring active management and flexible risk control to protect against market volatility.
• bevestor Digital wealth management service offering globally diversified ETF-based portfolios starting at €25/month or €500 one-time investment.
• Versicherungen (Insurance) Comprehensive insurance portfolio distributed through partners (Provinzial, UKV) including property, liability, health, dental, travel, legal protection, car, nursing care, and disability insurance products for retail customers.
• S-BasisRente (Rürup-Rente) State-subsidized retirement pension (Rürup-Rente) for employees, self-employed, and freelancers with tax advantages during the accumulation phase.
• Betriebliche Altersversorgung (bAV) Company pension scheme allowing employees to convert gross salary into retirement contributions with 15% employer match, tax advantages, and Hartz-IV protection.
• LBS-Bausparen Building savings product with state subsidies, housing allowance (Wohnungsbauprämie), Wohn-Riester, and vermögenswirksame Leistungen integration for home purchase financing.
• KNAX-Klub Children's club offering financial education and age-appropriate banking products for young customers up to approximately 12 years old.
• S-Club Youth customer program offering special products and services for young adults and teenagers transitioning into adult banking.
• Wero Instant payment service enabling fast money transfers between Sparkassen customers across Germany via the Online-Banking platform.
• Immobilien services Real estate services covering building, buying, selling, insuring, renovating, and financing properties, including photovoltaic partner services for retail customers.

Quantifiable outcome

• 5-fold award-winning consulting quality recognized by DIE WELT for NRW private customer advisory
• +2 more outcomes

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature6 records

Partnerships

Nine partnerships are on record, tiered minor and core.

• Bündnis Nachhaltige Unternehmen (Sustainable Business Alliance)minorStrategic or Co-development Partner · 3 December 2025Kreissparkasse Euskirchen is a founding member since December 3, 2025 of the district alliance promoting ecological, social, and economic transformation.
• DekaBank / Deka InvestmentscoreStrategic or Co-development PartnerDekaBank is the securities house of the Sparkassen-Finanzgruppe and provides investment fund products, certificates, and brokerage services through Kreissparkasse Euskirchen. Products include Deka-FondsSparplan, DekaBank Depot, and various sustainable investment funds.
• S BrokercoreStrategic or Co-development PartnerS Broker provides the S Broker DirektDepot online brokerage platform enabling commission-based securities trading for self-directed investors without branch advisory.
• LBS (Landesbausparkasse)coreChannel Partner/ Reseller/ DistributorLBS building savings products including LBS-Bausparen with state subsidies (Wohnungsbauprämie, Wohn-Riester, VL-Sparen) and Baukindergeld support.
• KfW (KfW Bankengruppe)coreChannel Partner/ Reseller/ DistributorKfW promotional loans including KfW-Förderkredite for energy-efficient construction and modernization, and KfW-Studienkredit for students.
• Provinzial VersicherungcoreChannel Partner/ Reseller/ DistributorInsurance products including Pflegevorsorge, PflegeRente, Sparkassen-Wohngebäudeversicherung, and S-Einkommens-Schutz Plus.
• UKV (Universale Krankenversicherung)minorChannel Partner/ Reseller/ DistributorHealth insurance products including PflegePRIVAT Premium, Pflege-Tagegeldversicherung (FörderPflege), KlinikPRIVAT, and Zahn-Zusatzversicherung.
• PAYBACKminorGTM or Marketing PartnerPAYBACK loyalty program integration with Sparkassen-Card for earning and redeeming points.
• ProEco RheinlandminorStrategic or Co-development PartnerCompetence center providing sustainability solutions for private and business customers with regional networking focus.

Scale indicators7 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Stadtsparkasse München: Largest German municipal savings bank, also a public-law Sparkasse operating under the same Sparkassen-Finanzgruppe framework with universal retail, corporate, and wealth services across a German metropolitan region—directly comparable institutional structure and product mandate.
• Sparkasse KölnBonn: Major NRW regional Sparkasse serving the Cologne-Bonn metropolitan area under the same public-law model and Sparkassen-Finanzgruppe; closest geographic and demographic peer given overlapping NRW market.
• Hamburger Sparkasse (Haspa): Hamburg's public savings bank offering a comparable universal banking product set (Girokonto, Baufinanzierung, Wertpapiere, Versicherungen) through branch and digital channels under identical Sparkassen-Finanzgruppe integration.
• Frankfurter Sparkasse: Frankfurt-based public-law Sparkasse delivering the same multi-product retail and corporate banking model via branches and digital channels, with shared reliance on DekaBank, LBS, and S Broker partnerships.
• Sparkasse Nürnberg-Erlangen: Major Bavarian Kreissparkasse equivalent operating under the same Sparkassen-Finanzgruppe with parallel product structure (S-Girokonto, S-Baufinanzierung, S-Depot, Versicherungen) and distribution model.
• Volksbank Köln Bonn eG: Cooperatively organized competitor bank in the same NRW geography serving retail and SME customers with overlapping products (deposits, lending, securities, insurance distribution) via a comparable branch-and-digital hybrid model.

Broad incumbents

• Deutsche Bank AG: Germany's largest private universal bank with a nationwide retail footprint (Deutsche Bank and Postbank brands) that competes with Sparkassen across deposits, mortgages, securities, and insurance distribution, though with a broader corporate/investment banking mandate.
• Commerzbank AG: Major German private commercial bank with a national branch network directly competing for retail and SME banking customers, including mortgage and consumer lending products overlapping with Kreissparkasse Euskirchen's core offerings.

Emerging players

• ING-DiBa AG: Germany's largest direct bank with a digital-first retail and consumer-lending proposition (Girokonto, Baufinanzierung, Wertpapierdepot, Sparprodukte) that competes for the same retail customers with lower-cost digital channels.
• N26 Bank GmbH: Berlin-based German neobank offering mobile-first retail banking (checking, cards, savings) competing for the same young and digital-native customer segments that Kreissparkasse Euskirchen targets via S-Club and KNAX-Klub.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/timeline
• Instagraminstagram.com/ksk_euskirchen
• LinkedInlinkedin.com/company/kreissparkasse-euskirchen

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 Euskirchen