Landesbank Berlin

What Landesbank Berlin does

Landesbank Berlin AG operates the Berliner Sparkasse, a publicly-owned regional savings bank (Sparkasse) headquartered in Berlin, Germany. The bank is part of the Sparkassen-Finanzgruppe, Germany's largest financial services network, and serves as the principal retail and SME bank for the Berlin metropolitan area. Its primary customer base is mass-market private customers (Privatkunden), supplemented by a smaller business banking (Firmenkunden) segment for small and medium-sized enterprises.

The product platform is comprehensive and modular, organized around core checking accounts (Girokonto variants — Giro Digital, Giro Individual, Giro Pauschal), cards (Visa Card, Visa Card Gold, Visa Card Basis, Sparkassen-Card), loans and mortgages (S-Privatkredit, S-Autokredit, Immobilienfinanzierung), savings and investments (Tagesgeldkonto, S-Festgeld, Deka-FondsSparplan, SmartVermögen, bevestor robo-advisor), retirement planning (Riester, BasisRente, Private Rentenversicherung), and real estate services via subsidiary BSK Immobilien GmbH. The underlying technology is a multi-channel digital banking platform delivered through the App Sparkasse (iOS/Android), online banking, pushTAN authentication, Card Control, Mobiles Bezahlen (Apple Pay/Google Pay), and the Wero pan-European instant payment service, supplemented by an extensive physical branch network in Berlin. An AI-powered digital assistant called "Linda" handles chat-based customer support.

Revenue is generated through traditional banking mechanics: net interest income on loans and mortgages, recurring account management fees on Girokonto products, transaction and interchange fees on cards, commissions on Deka investment products and securities, affiliate commissions on insurance and LBS building savings products, and fees from the BSK Immobilien real estate subsidiary. Distribution is omnichannel — branches for advisory-led complex products, and self-serve digital channels for routine transactions — targeting long-term relationship banking within the Berlin regional mandate.

Name

Landesbank Berlin

Legal name

Berliner Sparkasse

Website

https://lbb.de

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

101–250 employees

Short description

Landesbank Berlin AG operates Berliner Sparkasse, a publicly-owned regional savings bank serving retail and SME customers in Berlin with checking, cards, loans, mortgages, savings, investments, and real estate services through a multi-channel digital and branch platform.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Savings Institutions and Other Depository Credit Intermediation (522180), Savings Institutions and Other Depository Credit Intermediation (52218), Depository Credit Intermediation (5221), Portfolio Management and Investment Advice (523940), Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Savings Institution, Federally Chartered (6035), National Commercial Banks (6021), Mortgage Bankers & Loan Correspondents (6162), Real Estate Agents & Managers (For Others) (6531)

akta.pro primary industry

Private Banking Lending (Securities-Backed, Real Estate, Structured Credit) (FSABADAE)

akta.pro secondary industries

Real Estate Private Credit (CRE Debt) (FSANADAG), Real Estate (Commercial Property, REITs) (FSABACAH)

Keywords

• Retail banking services
• Savings and checking accounts
• Consumer lending products
• Digital banking platform
• Wealth management services

Headquarters

HQ city

Berlin

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, Others

Revenue model

1. Interest Income: Traditional banking revenue from interest rate spreads on loans, mortgages, and credit products including personal loans, auto loans, and real estate financing.
2. Account Management Fees: Monthly account fees and transaction charges for Girokonto products including Giro Digital, Giro Individual, and Giro Pauschal accounts.
3. Card Transaction Fees: Revenue from credit card and debit card transactions, including Visa Card, Visa Card Gold, and Sparkassen-Card products.
4. Securities and Investment Products: Commissions and fees from securities trading, investment funds (Deka), ETFs, bonds, certificates, and managed depot services.
5. Insurance Products: Commission revenue from insurance product distribution through partnerships.
6. Real Estate Services: Revenue from real estate financing, BSK Immobilien GmbH property services, and LBS building savings products.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels4 records

Core offering

Landesbank Berlin, operating as Berliner Sparkasse, is a regional public savings bank providing retail and commercial banking services in Berlin. Its product portfolio includes checking accounts, savings products, debit and credit cards, personal and mortgage loans, securities brokerage, retirement planning, real estate services, building society savings, and insurance distribution. Banking services are delivered through an extensive branch network complemented by online and mobile banking channels, including the App Sparkasse, pushTAN authentication, mobile payment solutions, and a digital wealth management platform.

Product overview

Landesbank Berlin (operating as Berliner Sparkasse) offers a comprehensive banking platform with multiple product lines organized as modules under its core retail banking services. The product portfolio centers on checking accounts (Girokonto variants: Digital, Individual, Pauschal), debit and credit cards (Visa Card, Visa Card Gold, Visa Card Basis, Sparkassen-Card), loans and financing (S-Privatkredit, S-Autokredit, Immobilienfinanzierung), and savings/investment products (Tagesgeldkonto, S-Festgeld, Deka-FondsSparplan). Digital banking services include Online- und Mobile-Banking with the App Sparkasse, pushTAN authentication, Card Control, Mobiles Bezahlen (Apple Pay/Google Pay), and Wero payment service. Wealth management offerings include SmartVermögen (digital asset management), bevestor Robo-Advisor, and traditional securities trading. Retirement planning products include Private Rentenversicherung, JuniorRente, BasisRente, and Riester-Rente. Real estate services encompass property search, financing, and management through BSK Immobilien GmbH and LBS-Bausparen building society products. The ecosystem also includes insurance products, PAYBACK loyalty program, and digital tools like Finanzplaner and Cockpit Immobilie. A digital assistant called Linda provides AI-powered customer support.

Differentiator

Problem solved

Functional benefit

Brands

• App Sparkasse: Mobile banking application for iOS and Android devices
• SmartVermögen
• bevestor
• pushTAN
• Wero

Products and services

• Girokonto (Checking Accounts)
• Kartenprodukte (Card Products)
• Kredite und Finanzierungen (Loans and Financing)
• Sparen und Anlegen (Savings and Investment)
• Wertpapiere und Depots (Securities and Depots)
• Sparkassen-Altersvorsorge (Retirement Planning)
• Immobilien (Real Estate Services)
• LBS-Bausparen (Building Society Savings)
• Versicherungen (Insurance Products)
• SmartVermögen (Digital Asset Management)
• bevestor (Robo-Advisor)
• Wero Mobile Payment
• Edelmetalle / SOLIT Edelmetalldepot Tarif S (Precious Metals)

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature8 records

Partnerships

Four partnerships are on record, tiered core and minor.

• DekacoreTechnology or IntegrationStrategic partnership for investment fund products. Deka-FondsSparplan and DekaBank Depot services offered through Berliner Sparkasse, providing access to Deka's investment fund infrastructure and product range.
• LBS (Landesbausparkasse)coreStrategic or Co-development PartnerBuilding savings partnership for LBS-Bausparen products with state subsidies. Provides home savings and construction financing solutions integrated with government housing incentives (Wohnungsbau-Prämie).
• PAYBACKminorGTM or Marketing PartnerLoyalty program partnership integrated with Girokonto products, offering points accumulation on card transactions redeemable at partner retailers.
• BSK Immobilien GmbHcoreImplementation/ SI/ Consulting PartnerWholly-owned real estate services subsidiary providing property valuation, brokerage, and management services for residential and commercial properties.

Scale indicators1 record

Recent moves6 records

Expansion highlights6 records

Emerging players

• N26: Berlin-headquartered neobank offering mobile-first retail banking with a particularly strong home-market brand in Berliner Sparkasse's primary geography. Direct competitor targeting younger demographics and digital-native customers with a superior mobile UX.

Broad incumbents

• Postbank: German retail bank (subsidiary of Deutsche Bank) offering checking, savings, mortgages, and securities to mass-market customers nationally. Comparable as a broad incumbent with strong retail deposit franchise and physical distribution, recently migrating customers to digital channels.
• Commerzbank: Major German universal bank with significant retail and SME banking operations. Comparable as a broad incumbent offering similar checking, savings, lending, and investment products to retail and business customers across Germany, including Berlin.
• Deutsche Bank: Germany's largest universal bank offering retail, commercial, and investment banking. Comparable as a broad incumbent competing for the same Berlin retail and business banking customers, though operating nationally and globally rather than as a regional specialist.

Regional players

• Berliner Volksbank: Berlin's largest cooperative bank (Volksbank) operating under a different institutional structure but serving the same Berlin retail and SME market. Direct geographic competitor offering similar checking, savings, lending, and investment products.

Direct peers

• DKB (Deutsche Kreditbank): German direct bank subsidiary of BayernLB offering retail and corporate banking with a strong digital platform. Comparable as a state-owned digital bank competing in retail deposits, payments, and consumer lending with similar institutional backing and digital-first delivery.
• Sparkasse KölnBonn: Major regional Sparkasse serving the Cologne-Bonn metropolitan area. Comparable as a similarly-sized German savings bank with the same regulatory framework, product catalog, and distribution model operating as a regional market leader.
• ING-DiBa: Germany's largest direct bank offering retail checking, savings, brokerage, and consumer lending primarily through digital channels. Direct peer competing for the same Berlin retail customers with a digital-first model that pressures traditional Sparkasse fee structures.
• Sparkasse München: Munich's regional Sparkasse and one of Germany's largest savings banks. Comparable institutional peer within the Sparkassen-Finanzgruppe offering the same product suite with similar scale, branch network, and digital capabilities in another major German metropolitan market.
• Hamburger Sparkasse (Haspa): Hamburg's regional Sparkasse and one of Germany's largest savings banks by assets. Closest structural peer operating under identical Sparkassen-Finanzgruppe mandate with similar product set, branch network model, and public guarantee structure, but serving the Hamburg market.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/berlinerspk
• YouTubeyoutube.com/user/berlinersparkasse
• Facebookfacebook.com/berlinersparkasse
• LinkedInlinkedin.com/company/berliner-sparkasse
• Instagraminstagram.com/berlinersparkasse
• TikToktiktok.com/@berlinersparkasse

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 record

Funding overview

Funding rounds1 record

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 Landesbank Berlin