Kreissparkasse Ravensburg

What Kreissparkasse Ravensburg does

Kreissparkasse Ravensburg is a German public-law savings bank (Sparkasse, Anstalt des öffentlichen Rechts) headquartered at Meersburger Straße 1, Ravensburg, serving the Ravensburg district and Allgäu region in Baden-Württemberg. It operates an omnichannel retail and SME banking franchise spanning over 30 physical branches (including locations in Ravensburg, Bad Waldsee, Wangen, Leutkirch, Weingarten, Isny, Aulendorf, and Altshausen), online and mobile banking (Sparkassen-App, S-Invest App), telephone service, video advisory chat, WhatsApp, and the AI-supported chatbot Linda. The bank is part of the Sparkassen-Finanzgruppe and falls under ECB and BaFin supervision, with HRA 551336 registration at Amtsgericht Ulm. Leadership consists of Prof. Dr. Patrick Kuchelmeister (Chairman of the Board) and Benedikt Kißlinger (Board Member).

The product portfolio is anchored on the S-Heimatkonto current account and extends across Mastercard debit and credit cards (Basis, Standard, Gold, Platinum), lending products (S-Privatkredit, S-Autokredit, Baufinanzierung, S-Klimakredit, KfW-Förderkredite), savings vehicles (Sparkassenbuch, Festgeld, Geldmarktkonto, Sparkassenbrief, Bausparen via LBS), and securities offerings (Sparkassen-Depot, S-Broker DepotPlus, bevestor robo-advisory). Insurance is distributed through SV SparkassenVersicherung, and wealth management spans S-Broker, bevestor (with Select and Select ESG variants), and Private Banking. Technology components include device recognition (Geräteerkennung) with 180-day DeviceID cookies, biometric authentication, S-pushTAN for transaction signing, Mastercard Identity Check 3D-Secure, and integrations with Apple Pay, Google Pay, and Wero for instant payments.

Revenue is generated through net interest income on lending and deposits, account and card fees, brokerage commissions (S-Broker DepotPlus from €0.95 per trade), custody fees, and insurance distribution commissions. The bank targets retail customers (including dedicated offerings for children, students, apprentices, and young professionals), SMEs (Mittelstand) and Private Banking clients. Multi-language support across German, English, French, Polish, Romanian, Turkish, Czech, Bulgarian, Russian, and Ukrainian signals engagement with migrant and cross-border worker segments in the catchment. Marketing spans the company's website, social channels (Facebook, Instagram, YouTube, LinkedIn, XING), community events (Planspiel Börse, Gründerpreis), and loyalty partnerships (PAYBACK).

Name

Kreissparkasse Ravensburg

Legal name

Kreissparkasse Ravensburg Anstalt des öffentlichen Rechts

Website

https://kreissparkasse-ravensburg.de

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

1–10 employees

Short description

Kreissparkasse Ravensburg is a German public-law savings bank serving retail customers and SMEs across the Ravensburg district and Allgäu region through 30+ branches and digital channels. It offers checking, lending, savings, brokerage, robo-advisory, and insurance within the Sparkassen-Finanzgruppe.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Savings Institutions and Other Depository Credit Intermediation (52218), Depository Credit Intermediation (5221), Insurance Agencies and Brokerages (52421)

SIC

Investment Advice (6282), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Full-Service Retail Brokerage & Wealth Platforms (FSAAAAAA)

akta.pro secondary industries

Affluent / Mass-Affluent Private Banking (FSABADAC), Private Banking Advisory & Discretionary Portfolio Management (FSABADAD), Bank-Affiliated Retail Wealth Management (FSAAAAAB)

Keywords

• Retail banking services
• Savings accounts
• Mortgage lending
• Wealth management
• Business banking

Headquarters

HQ city

Ravensburg

HQ country

Germany

HQ region

Europe

Offices12 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Traditional banking revenue from lending activities including mortgages (Baufinanzierung), personal loans (S-Privatkredit), auto loans (S-Autokredit), and overdraft facilities (Dispositionskredit). Interest income from fixed-term deposits and savings products.
2. Commission and Fee Income: Account maintenance fees, transaction fees, credit card interchange fees, account switching service fees, and brokerage commissions (S-Broker DepotPlus trading from €0.95 per trade).
3. Investment Product Distribution: Distribution of DekaBank investment funds, ETFs, certificates, bevestor digital wealth management (0.6% service fee plus 0.10-0.40% foreign costs), and securities custody fees.
4. Insurance Distribution: Commission income from insurance product sales including occupational disability insurance, private protection, health protection, credit protection, and building insurance through SV (Sparkassen Versicherung).
5. S-Broker Services: Brokerage services through S-Broker AG with free custody account, commission-based trading, and margin interest on money market accounts (1.50% variable rate on balances up to €100,000).

Pricing tiers

Go-to-market motion1 record

Distribution channels8 records

Marketing channels10 records

Core offering

Kreissparkasse Ravensburg is a German public-law savings bank offering retail and corporate banking services, including current accounts (S-Heimatkonto), Mastercard debit and credit cards, savings products (Festgeld, Sparkassenbuch, Geldmarktkonto), lending (Baufinanzierung, S-Privatkredit, S-Autokredit, S-Klimakredit, KfW-Förderkredite), investment services (bevestor robo-advisor, S-Broker DepotPlus, Sparkassen-Depot), insurance (SV SparkassenVersicherung), and digital banking (Online-Banking, Sparkassen-App, S-pushTAN-App, Chatbot Linda).

Product overview

Kreissparkasse Ravensburg is a German public-sector savings bank (Anstalt des öffentlichen Rechts) offering a comprehensive retail banking platform. The product portfolio centers on the S-Heimatkonto (current account) as the core transactional product, complemented by Mastercard credit cards (Basis, Standard, Gold, Platinum tiers), the Online-Banking platform, and mobile apps (Sparkassen-App, S-Invest App). Savings products include Sparkassenbuch, Festgeld, Geldmarktkonto, and Bausparen. Investment offerings span S Broker DepotPlus for self-directed trading, the Sparkassen-Depot for custody, and bevestor for automated robo-advisory services (Select/Select ESG). Lending products cover S-Privatkredit, S-Autokredit, Baufinanzierung (mortgages), S-Klimakredit, and KfW-Förderkredite. Insurance solutions (via SV SparkassenVersicherung) include Sparkassen-Privat-Schutz and SV InternetSchutz. Digital services include Chatbot Linda for customer support, Cockpit Immobilie for property management, S-pushTAN-App for authentication, and Geräteerkennung for secure device login. Corporate banking and Private Banking services are also available.

Differentiator

Problem solved

Functional benefit

Brands

• bevestor: Digital wealth management service offered in partnership with DekaBank for automated investment portfolios
• S Broker DepotPlus
• Sparkassen-Depot

Products and services

• S-Heimatkonto Primary current account (Girokonto) for retail customers offering everyday banking services including online banking access, with sub-products such as S-Vorteilswelt and Kontowechselservice.
• Sparkassen-Card (Debitkarte) Debit card for cash withdrawals and payments, accepted at Sparkasse ATMs and worldwide, with Mastercard Identity Check for secure online payments.
• Mastercard Basis Debit card version of Mastercard providing worldwide payment acceptance.
• Mastercard Standard Standard credit card with basic features for everyday purchases and online payments.
• Mastercard Gold Premium credit card offering travel insurance, worldwide acceptance, and enhanced purchase protection.
• Mastercard Platinum Top-tier credit card with exclusive benefits, concierge services, and high credit limits.
• bevestor Digital Wealth Management Digital robo-advisor offering automated portfolio management with Select (classic) and Select ESG variants, managed by Deka Vermögensmanagement GmbH. Includes automated rebalancing, optional investment protection (Anlageschutz), and thematic investments. 0.6% service fee on average depot value plus 0.10-0.40% foreign costs; minimum investment EUR 500 one-time or EUR 25 monthly.
• S Broker DepotPlus Brokerage depot with low-cost trading from EUR 0.95 per order, free plan maintenance, and fee-free savings plans from EUR 5 monthly. Includes S-Broker App for mobile trading and S-Broker Young Invest for ages 18-25. Commission: 0.35% for orders under EUR 25,000; 0.25% for orders EUR 25,000 and above; minimum order fee EUR 10.00.
• Sparkassen-Depot Securities custody account for holding and managing investments in bonds, funds, ETFs, and stocks. Available as individual or joint accounts with access via Online-Banking and S-Invest App.
• S-Privatkredit Personal loan for financing various needs including home improvements, vacations, or major purchases with transparent and flexible terms.
• S-Autokredit Specialized auto financing loan for purchasing new or used vehicles.
• Baufinanzierung Comprehensive mortgage and property financing solutions for purchasing or constructing real estate. Bronze-rated by FOCUS MONEY in 2025.
• S-Klimakredit Eco-friendly personal loan supporting climate-positive investments and sustainability projects.
• KfW-Förderkredite Government-subsidized loan programs through KfW for energy-efficient building and modernization.
• Fonds-Sparplan Regular investment savings plan for building wealth gradually through fund investments starting from EUR 25 monthly.
• ETF-Sparplan Cost-effective savings plan investing in exchange-traded funds starting from EUR 25 monthly.
• Festgeld Fixed-term deposit account with guaranteed interest rates for a specified investment period.
• Sparkassenbuch Traditional savings book account with competitive interest rates and flexible access to funds.
• Geldmarktkonto Money market account offering variable interest rates for flexible short-term savings.
• Betriebliche Altersversorgung Occupational pension schemes providing retirement savings through employer-sponsored arrangements.
• Sparkassen-Privat-Schutz Comprehensive personal insurance package bundling multiple protection coverages (private protection) for individuals, distributed through SV Sparkassen Versicherung.
• SV InternetSchutz Cyber insurance protecting against internet-related risks and digital threats, distributed through SV Sparkassen Versicherung.
• Private Banking Wealth management and investment advisory services for high-net-worth individuals including estate planning.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

AI capability2 records

Feature4 records

Partnerships

Six partnerships are on record, tiered core and minor.

• bevestor GmbH (DekaBank)coreTechnology or Integrationbevestor GmbH is a 100% subsidiary of DekaBank Deutsche Girozentrale (Frankfurt am Main). Provides digital wealth management platform (Robo-Advisor) offered to Kreissparkasse Ravensburg customers. Offers Select and Select ESG investment variants with globally diversified ETF portfolios. Exclusively offered through Sparkassen-Finanzgruppe.
• S-Broker AG & Co. KGcoreChannel Partner/ Reseller/ DistributorS-Broker provides brokerage and securities trading services distributed through Kreissparkasse Ravensburg. Offers DepotPlus, Young Invest (for ages 18-25), and S-Broker App for active trading. S-Broker Konto serves as money market account (1.50% variable interest rate up to €100,000).
• DekaBank Deutsche GirozentralecoreTechnology or IntegrationDekaBank provides investment fund products (Deka-Fonds), ETFs, certificates, and DekaBank Depot services offered through Kreissparkasse Ravensburg. Parent company of bevestor GmbH. Key partner for securities and investment services within Sparkassen-Finanzgruppe.
• PAYBACKminorGTM or Marketing PartnerPAYBACK is a loyalty program integrated with Sparkasse plus PAYBACK account. Offers °points (PAYBACK points) on account usage, with special promotions including WM quiz with travel vouchers up to €5,000.
• intelliAd Media GmbHminorGTM or Marketing PartnerintelliAd Media GmbH (Munich) provides campaign tracking and attribution for Sparkassen landing pages (sparkasse.de), measuring marketing campaign effectiveness with cookie-based tracking (100-day storage).
• Adform A/SminorGTM or Marketing PartnerAdform A/S (Copenhagen, Denmark) provides ad delivery and campaign measurement services for Sparkassen marketing campaigns, with cookie storage of 60 days.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• ING-DiBa AG: Germany's largest direct bank and the primary digital-first challenger for retail deposits, brokerage, and consumer credit; competes head-on with KSK Ravensburg for younger and price-sensitive retail customers, particularly in brokerage and savings.

Others

• DekaBank Deutsche Girozentrale: Central securities and asset-management institution of the Sparkassen-Finanzgruppe and parent of bevestor GmbH; supplies investment funds, ETFs, certificates, and the bevestor robo-advisor distributed through KSK Ravensburg — partner and ecosystem anchor rather than competitor.

Broad incumbents

• Deutsche Bank AG: Largest German universal bank with full retail, wealth, and corporate banking capability; competes for affluent and SME customers in Baden-Württemberg via branch network and digital channels, but at a vastly broader scale than KSK Ravensburg.
• Landesbank Baden-Württemberg (LBBW): State Landesbank of Baden-Württemberg — the regional central institution for Sparkassen including KSK Ravensburg; broader corporate, capital markets, and institutional banking scope but overlapping presence in retail and SME markets in the same state.
• Commerzbank AG: Major German universal bank with significant retail and Mittelstand banking presence across Baden-Württemberg; broader product set but comparable retail/SME customer overlap and direct competition in the regional corporate banking market.

Direct peers

• Kreissparkasse Reutlingen: Baden-Württemberg Kreissparkasse of similar size tier serving an adjacent district; runs the same Sparkassen-Finanzgruppe product stack (bevestor, S-Broker, DekaBank funds, SV insurance) with comparable branch-density business model.
• Sparkasse Ulm: Regional Sparkasse in Baden-Württemberg with parallel product suite across retail, SME, and private banking; operates under the same Sparkassen-Finanzgruppe umbrella with shared IT and investment product infrastructure.
• Volksbank Allgäu-Oberschwaben eG: Cooperative bank (Volksbanken Raiffeisenbanken group) operating in the same Ravensburg/Allgäu region with overlapping retail and SME banking customers; directly competes with KSK Ravensburg for primary banking relationships in the district.
• Sparkasse Bodensee: Neighboring Sparkasse serving the Bodensee region of Baden-Württemberg with comparable retail banking, savings, lending, and digital advisory offerings; directly comparable as a regional Sparkassen-Finanzgruppe member with overlapping product set and branch-based GTM.
• Sparkasse Allgäu: Regional Sparkasse serving the Allgäu area — the same macro-region as KSK Ravensburg — with identical Sparkassen product universe (checking, mortgages, S-Broker, bevestor, SV insurance). Most direct geographic and product overlap of any peer.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/kskravensburg
• Facebookfacebook.com/kreissparkasseravensburg
• LinkedInde.linkedin.com/company/kreissparkasse-ravensburg
• Instagraminstagram.com/kreissparkasseravensburg

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Kreissparkasse Ravensburg