Sparkasse Barnim
- Company typePrivate
- Founded1851
- HeadquartersEberswalde, Germany
- Headcount251–500
- GTM typeB2C
- OfferingServices
Sparkasse Barnim firmographics
Firmographics- Name
- Sparkasse Barnim
- Legal name
- Sparkasse Barnim Anstalt des öffentlichen Rechts
- Website
- https://spk-barnim.de
- Company type
- Private
- Founded year
- 1851
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Ownership category
- akta.pro rank
Sparkasse Barnim industry classification
Industry- 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), Finance and Insurance (52)
- SIC
- Savings Institution, Federally Chartered (6035)
- akta.pro primary industry
- Full-Service Brokerage (Wirehouse/Universal) (FSAEACAA)
Keywords
Where Sparkasse Barnim is headquartered
LocationHeadquarters
- HQ city
- Eberswalde
- HQ country
- Germany
- HQ region
- Europe
Offices1 record
Markets served
Sparkasse Barnim business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others
Revenue model
- Interest Income: Traditional banking interest income from lending activities including mortgages, personal loans, auto loans, and credit facilities
- Account and Service Fees: Monthly account fees, transaction fees, and service charges for current account management and banking services
- Investment Products Distribution: Commission revenue from distributing Deka investment funds, ETFs, savings plans, and securities brokerage services
- Insurance Distribution: Commission income from insurance product distribution as tied insurance agent (gebundener Versicherungsvertreter)
- Card Services: Revenue from credit and debit card services including Mastercard Gold, Mastercard Platinum, and Sparkassen-Card
- Real Estate Services: Revenue from mortgage financing, property valuation services, and real estate brokerage
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Girokonto (Current Account) - Mein Giro |
| Transaction based/ take rate | Annual | Mastercard Gold |
| Transaction based/ take rate | Annual | Mastercard Platinum |
| Subscription | Monthly | Kinderdepot (Children's Depot) |
| Unit Pricing | Monthly | Deka-JuniorPlan |
| Unit Pricing | Monthly | Deka-FondsSparplan |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels8 records
Sparkasse Barnim product offering
Product offeringCore offering
Sparkasse Barnim is a regional public savings bank providing retail and commercial banking products to private and business customers in the Barnim district of Brandenburg, Germany. Its offering covers current accounts (Girokonto), payment cards (Sparkassen-Card, Mastercard Gold, Mastercard Platinum), consumer and mortgage lending (S-Privatkredit, Baufinanzierung, S-Autokredit), savings and investment products (DekaBank Depot, Deka-FondsSparplan, ETF-Sparplan, SmartVermögen), retirement and insurance products, real estate services, and digital banking via the App Sparkasse and online banking platform.
Product overview
Sparkasse Barnim operates as a regional public savings bank within the Sparkassen-Finanzgruppe, offering a comprehensive banking platform with multiple integrated products and services. The core banking offering centers on the Girokonto (current account) and Online-Banking/App Sparkasse digital channels. The product portfolio spans retail banking (accounts, cards, payments including Wero instant transfers), lending (personal loans, auto financing, mortgages via Baufinanzierung), savings and investment products (LBS-Bausparen, DekaBank Depot, Deka-FondsSparplan, ETF-Sparplan, SmartVermögen), retirement planning (S-BasisRente, Frühstart-Rente, Betriebliche Altersversorgung), and insurance (S-Versicherungsmanager, health, auto, liability coverage). For younger customers, specialized offerings include the Kinderdepot, Deka-JuniorPlan, and youth banking products. The bank provides digital identity verification via Video-Legitimation and multi-factor authentication through S-pushTAN-App, chipTAN-QR, and device recognition. The Deka Investments partnership provides access to fund products, while S-Broker enables securities trading.
Differentiator
Problem solved
Functional benefit
Brands
- S-B@R (Digitales Beratungscenter): Digitales Beratungscenter S-B@R is the bank's digital advisory center providing online consultation services.
- Mein Giro
- Sparkassen-App
Products and services
- Girokonto (Current Account) — Mein Giro / Giro Start Primary checking account for private customers enabling daily banking transactions, direct debits, standing orders, and SEPA transfers, offered in 'Mein Giro' and 'Giro Start' variants for adults and young customers respectively.
- Sparkassen-Card (Debit Card) Debit card for cash withdrawals, point-of-sale payments, contactless transactions, and Apple Pay integration, available to Sparkasse Barnim account holders.
- Mastercard Gold (Credit Card) Credit card offering worldwide cashless payment acceptance with included travel insurance coverage, available to Sparkasse Barnim customers for an annual fee.
- Mastercard Platinum (Credit Card) Premium credit card with enhanced benefits and services targeted at high-value customers, carrying a higher annual fee than Mastercard Gold.
- S-Privatkredit (Personal Loan) Personal loan for private customers financing vehicles, home improvements, and major purchases with transparent terms and flexible repayment options.
- Baufinanzierung (Mortgage Financing) Mortgage financing solutions for purchasing or constructing residential property, offered to private customers in partnership with Finmas.
- S-Autokredit (Auto Loan) Specialized vehicle financing loan with competitive rates for car purchases, available to private customers of Sparkasse Barnim.
- LBS-Bausparen (Building Society Savings) Building society savings product combining home ownership savings with state subsidies (Wohn-Riester), usable for property purchase, modernization, or follow-up financing.
- S-Kündigungsgeld (Notice Money Deposit) Notice money deposit account offering favorable interest rates with the flexibility of a callable deposit, available to private customers.
- DekaBank Depot (Securities Custody Account) Securities custody account for holding and managing investment funds, ETFs, and other securities, with execution through DekaBank as the Sparkassen-Finanzgruppe's securities house.
- Deka-FondsSparplan (Fund Savings Plan) Regular savings plan for investing in Deka investment funds with flexible contributions starting from 25 EUR monthly, including optional dynamization and retirement planning features.
- Deka-JuniorPlan (Children's Savings Plan) Children's savings plan for building long-term wealth starting at 25 EUR monthly, managed through the parent's DekaBank Depot until the child reaches 18, with free depot maintenance.
- Kinderdepot (Children's Depot) Securities custody account for children managed by parents, enabling early investing with low monthly amounts, free depot maintenance, and integration with Frühstart-Rente.
- ETF-Sparplan (ETF Savings Plan) Savings plan for investing in exchange-traded funds with cost-efficient, broad-market exposure, available to private customers of Sparkasse Barnim.
- SmartVermögen (Digital Wealth Management) Digital wealth management service where capital market experts manage a diversified investment portfolio based on individual risk profiles.
- S-Broker DepotPlus (Securities Trading Account) Online securities trading account providing access to stocks, bonds, funds, and ETFs through the S-Broker platform of the Sparkassen-Finanzgruppe.
- Frühstart-Rente (Early-Start Pension) State-subsidized retirement savings product designed for young adults to start building pension wealth early in life.
- S-BasisRente (Rürup Basic Pension) Basic pension insurance (Rürup pension) providing tax-advantaged retirement savings with long-term lock-in for private customers.
- S-Versicherungsmanager (Insurance Manager) Insurance management service helping customers organize policies, find optimal coverage, and identify suitable tariffs distributed by Sparkasse Barnim as a tied insurance agent.
- S-Gesundheits-Schutz (Supplementary Health Insurance) Health insurance supplementary product covering medical expenses not included in statutory health insurance for private customers.
- Kfz-Versicherung (Auto Insurance) Vehicle insurance covering liability, partial, or comprehensive coverage for automobiles distributed as a tied insurance agent.
- Private Haftpflichtversicherung (Personal Liability Insurance) Personal liability insurance protecting against financial consequences of accidental damage to third parties.
- Immobilienportal (Real Estate Portal) Real estate marketplace enabling customers to search for properties, use the Preisfinder valuation tool, and connect with advisors for property financing.
- App Sparkasse (Mobile Banking App) Mobile banking application for smartphones and tablets enabling transfers, balance inquiries, multibanking, ATM finder, Wero payments, Apple Pay, biometric authentication, and dark mode.
- Online-Banking Comprehensive internet banking platform for account management, transfers, standing orders, and transaction monitoring via web browser, with device recognition and biometric login capabilities.
- S-B@R Digitales Beratungscenter (Digital Advisory Center) Digital advisory service providing customers with a dedicated relationship manager for all banking needs through online consultation via video.
- Video-Legitimation (Video Identity Verification) Digital identity verification service enabling new customers to verify their identity via video call for account opening and product applications.
Companies that use Sparkasse Barnim
Customer profileSegments4 records
Ideal customer profiles3 records
Sparkasse Barnim technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration10 records
AI capability5 records
Feature6 records
Sparkasse Barnim partnerships and signals
Strategic signalPartnerships
13 partnerships are on record, tiered core and supporting.
- DekaBankcoreDekaBank is the securities house of the Sparkassen-Finanzgruppe and serves as the primary partner for investment products. Sparkasse Barnim distributes Deka investment funds, ETFs, savings plans, and related services including Deka-JuniorPlan, Deka-FondsSparplan, and DekaBank Depot. Deka provides the technological infrastructure for securities trading and investment management.
- S-Markt & Mehrwert GmbH & Co. KGsupportingTechnical service provider for WhatsApp communication with customers. Enables secure messaging channel between Sparkasse Barnim and its customers via WhatsApp platform.
- S-Communication Services GmbHsupportingTechnical service provider for newsletter distribution and email marketing services, enabling Sparkasse Barnim to send newsletters and promotional communications to customers.
- YellowMap AGsupportingProvides SmartMaps service for displaying interactive maps on the website, enabling customers to find branch and ATM locations.
- Google Ireland Ltd.supportingProvides Google Analytics for web analytics and Google Ads for online advertising. Additionally, Google processes chatbot messages for intent recognition (Intent-Erkennung) to improve customer service interactions.
- Meta Platforms Ireland Ltd.supportingFacebook and Instagram parent company. Sparkasse Barnim maintains official Facebook and Instagram pages for customer engagement and marketing, with joint responsibility for page insights analytics.
- LinkedIn Ireland Unlimited CompanysupportingProfessional networking platform partner. Sparkasse Barnim maintains a LinkedIn page for corporate communication and professional networking, with joint responsibility for LinkedIn page analytics.
- TikTok Technology LimitedsupportingShort-form video platform partner. Sparkasse Barnim maintains a TikTok Pro account for reaching younger audiences with financial content.
- ADTELLIGENCE GmbHsupportingProvides Adtelligence Platform for website content personalization, analyzing visitor behavior to deliver targeted content to specific audience segments.
- intelliAd Media GmbHsupportingCampaign measurement and analytics service used on the central Sparkasse platform (sparkasse.de) for tracking and optimizing digital advertising campaigns.
- Adform A/SsupportingDigital advertising platform used on sparkasse.de for ad delivery and campaign measurement, enabling targeted advertising and performance tracking.
- Friendly Captcha GmbHsupportingProvides Friendly Captcha spam protection service for website forms and contact functions, protecting against automated bot attacks.
- Sparkassen-FinanzgruppecoreThe nationwide Sparkassen network provides shared services, product infrastructure, and brand association. Enables access to DekaBank investment products, DSGV arbitration services, and centralized digital platforms like sparkasse.de and S-Invest.
Scale indicators2 records
Recent moves6 records
Expansion highlights5 records
Sparkasse Barnim competitors and assessment
Company assessmentDirect peers
- Sparkasse Berlin: Other regional Sparkasse operating in Berlin/Brandenburg under the same Sparkassen-Finanzgruppe with identical legal structure (Anstalt des öffentlichen Rechts), offering the same S-App, Deka products, and Sparkassen-Card. Most direct comparable as geographically proximate peer with similar product portfolio and regulatory framework.
- Sparkasse Bremen: Mid-sized regional Sparkasse with similar employee count and product offering (full retail banking, Deka distribution, insurance, mortgages). Direct structural peer with comparable regional scope, customer segmentation, and shared central infrastructure.
- Mittelbrandenburgische Sparkasse (MBS): Geographically adjacent regional Sparkasse serving Potsdam and surrounding Brandenburg areas. Operates under identical legal structure, brand family, and product set as Sparkasse Barnim, serving overlapping customer demographics in Brandenburg.
- Berliner Volksbank: Regional cooperative bank (Volksbanken Raiffeisenbanken group) operating in Berlin/Brandenburg with comparable retail banking, lending, and investment distribution model. Direct competitor for SMB and consumer customers in the same geographic market.
- Sparkasse Köln (Kreissparkasse Köln): Larger regional Sparkasse demonstrating same business model at greater scale. Comparable in product breadth, customer segments, and public-law status; useful benchmark for understanding upper-end performance and operational metrics within the Sparkassen-Finanzgruppe.
Broad incumbents
- Deutsche Bank AG: Germany's largest universal bank with full retail, commercial, and investment banking capabilities. Overlaps with Sparkasse Barnim in retail deposits, mortgages, and investment products but operates at vastly greater scale and serves national/international markets.
- Commerzbank AG: Major German commercial bank offering retail and business banking nationwide. Competes with Sparkasse Barnim for SMB and consumer customers in Brandenburg but with broader geographic reach, digital platforms, and capital markets capabilities.
Emerging players
- DKB (Deutsche Kreditbank): Direct digital bank owned by BayernLB with strong online retail banking presence in Germany. Competes for digital-first customers and offers similar Girokonto, brokerage, and consumer lending products but with lower-cost digital-only model versus Sparkasse's branch network.
- ING-DiBa: Germany's largest direct bank with nationwide online retail banking presence. Competes directly for Girokonto, savings, securities, and consumer lending customers without branch infrastructure - represents the digital challenger model Sparkasse Barnim must compete against.
- N26 Bank GmbH: Berlin-based mobile-first neo-bank with German banking license, aggressively targeting young urban professionals and digital-native customers. Competes for the same Young Adults segment Sparkasse Barnim emphasizes, with fully digital onboarding and modern UX as key differentiators.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Sparkasse Barnim social profiles
Digital presenceSparkasse Barnim compliance and trust
Trust signalCompliance7 records
Sparkasse Barnim financial estimates
Financial estimateRevenue estimate
Valuation estimate
Sparkasse Barnim leadership team
Management profileNumber of profiles
Profiles2 records
Sparkasse Barnim funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Sparkasse Barnim M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Sparkasse Barnim
What does Sparkasse Barnim do?
Sparkasse Barnim is a regional public savings bank providing retail and commercial banking products to private and business customers in the Barnim district of Brandenburg, Germany. Its offering covers current accounts (Girokonto), payment cards (Sparkassen-Card, Mastercard Gold, Mastercard Platinum), consumer and mortgage lending (S-Privatkredit, Baufinanzierung, S-Autokredit), savings and investment products (DekaBank Depot, Deka-FondsSparplan, ETF-Sparplan, SmartVermögen), retirement and insurance products, real estate services, and digital banking via the App Sparkasse and online banking platform.
Is Sparkasse Barnim a public or private company?
Sparkasse Barnim is a private company. It is classified as state government owned and is currently operating.
When was Sparkasse Barnim founded?
Sparkasse Barnim was founded in 1851. It employs 251 to 500 people.
Where is Sparkasse Barnim based?
Sparkasse Barnim is headquartered in Eberswalde, Germany, in the Europe region.
How does Sparkasse Barnim make money?
Six revenue lines are on record. Interest Income is the primary driver. The others are account and Service Fees, investment Products Distribution, insurance Distribution, card Services and real Estate Services.
Who are Sparkasse Barnim's main competitors?
Direct peers on record are Sparkasse Berlin, Sparkasse Bremen, Mittelbrandenburgische Sparkasse (MBS), Berliner Volksbank and Sparkasse Köln (Kreissparkasse Köln). Broad incumbents are Deutsche Bank AG and Commerzbank AG. Emerging players are DKB (Deutsche Kreditbank), ING-DiBa and N26 Bank GmbH.
Does Sparkasse Barnim have an API?
No public API is recorded for Sparkasse Barnim.
What industry is Sparkasse Barnim in?
Sparkasse Barnim's product category is Retail Banking. Its primary akta.pro industry code is FSAEACAA, Full-Service Brokerage (Wirehouse/Universal). Its NAICS code is 522180 and its SIC code is 6035.