Kreissparkasse Reutlingen

What Kreissparkasse Reutlingen does

Kreissparkasse Reutlingen is a German district savings bank (Kreissparkasse) established in 1840 and headquartered at Ludwig-Erhard-Straße 40, Reutlingen, in the state of Baden-Württemberg. Operating as a public-law institution (Anstalt des öffentlichen Rechts) and supervised by BaFin and the European Central Bank, the bank is part of the nationwide Sparkassen-Finanzgruppe and serves private customers, corporate/SME customers, and youth customers across the Reutlingen district through a branch network, digital channels, and a telephone service center. The board is chaired by Joachim Deichmann, with Martin Bosch serving as deputy.

The bank operates on the shared Sparkassen-Finanzgruppe IT infrastructure, offering a full-stack retail and corporate banking platform. Core technology components include the App Sparkasse (mobile banking with biometric login, Wero instant payments, photo payment, Card Control, and multibanking), Online-Banking with pushTAN/chipTAN and a 180-day Geräteerkennung (device recognition) feature, the Sparkassen-Depot and S-Broker DepotPlus for securities, SmartVermögen (a robo-advisory product operated with Deka Vermögensmanagement from €25/month or €500 one-time), and the Chatbot Linda AI assistant backed by Google intent recognition. Distribution is multi-channel: physical branches, the Internet-Filiale, app, WhatsApp (via S-Markt & Mehrwert), Facebook, Instagram, YouTube, LinkedIn, and the Kunden-Service-Center.

Revenue is generated across six streams: recurring account fees on tiered giro accounts (Girokonto Zukunft, GiroKomfort, GiroKlassik), net interest income on mortgage, consumer, and auto lending (including KfW-subsidized loans), transaction-based securities commissions via Sparkassen-Depot and S-Broker (from €0.95 per trade), insurance distribution commissions through SV SparkassenVersicherung, LBS building savings commissions, and card/payment interchange on Mastercard and Sparkassen-Card products. Pricing is tiered across account products (monthly), transaction-based for securities (pay-as-you-go), and annual for premium credit cards. Kreissparkasse Reutlingen does not publicly disclose revenue and is not listed on any exchange; it is owned by the district (Landkreis Reutlingen) and operates as a community-mandated public institution rather than a profit-distributing entity.

Name

Kreissparkasse Reutlingen

Legal name

Kreissparkasse Reutlingen

Website

https://ksk-reutlingen.de

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Kreissparkasse Reutlingen is a German district savings bank founded in 1840, serving private, corporate, and youth customers across the Reutlingen district in Baden-Württemberg with full-service retail and SME banking, digital channels, and Sparkassen-Finanzgruppe partner products.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Savings Institutions and Other Depository Credit Intermediation (522180), Portfolio Management and Investment Advice (523940)

SIC

Savings Institution, Federally Chartered (6035), Insurance Agents, Brokers & Service (6411), Investment Advice (6282)

akta.pro primary industry

Mutual Savings Banks & Mutual Thrifts (FSABAEAD)

akta.pro secondary industries

Full-Service Retail Brokerage & Wealth Platforms (FSAAAAAA), Retirement & Pension Planning (401(k)/IRA) (FSAEAAAD)

Keywords

• Retail banking services
• Savings accounts
• Consumer lending
• Wealth management
• Mortgage financing

Headquarters

HQ city

Reutlingen

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. Core Banking & Account Services: Revenue from giro account management fees (GiroKlassik, GiroKomfort, Girokonto Zukunft tiers), transaction fees, and account-related services. Includes annual account fees, overdraft interest (Dispositionskredit), and payment transaction charges.
2. Lending & Credit Products: Interest income from mortgage lending (S-Baufinanzierung, Anschlussfinanzierung), personal loans (S-Privatkredit, S-Privatkredit Plus, S-Autokredit), KfW government-sponsored loans, and modernization financing.
3. Investment & Securities: Revenue from securities brokerage commissions (Sparkassen-Depot, S-Broker DepotPlus), Deka investment fund distribution, SmartVermögen management fees, and fund Sparplan charges. Trading commissions from 0.95 EUR per trade.
4. Insurance Distribution: Commission revenue from distribution of insurance products (S-Versicherungsmanager) through SV SparkassenVersicherung and other partner insurers, including risk, health, property, and travel insurance.
5. Bausparen & LBS Products: Revenue from LBS building savings products (LBS-Bausparen), including government-subsidized savings, Wohn-Riester (state-supported home savings), and VL-Sparen (capital formation savings).
6. Cards & Payment Services: Revenue from credit card interchange fees (Mastercard/Visa cards at Gold and Platinum tiers), Sparkassen-Card (debit card) fees, and mobile payment services including Apple Pay integration.

Pricing tiers

Go-to-market motion1 record

Distribution channels7 records

Marketing channels11 records

Core offering

Kreissparkasse Reutlingen is a regional German savings bank (Sparkasse) operating as a public-law institution, providing retail and corporate banking services across the Reutlingen district. It offers current accounts, savings and investment products, consumer and mortgage loans, securities trading, digital wealth management, insurance distribution, and real estate services through a combination of physical branches and digital channels including App Sparkasse, online banking, and chatbot Linda.

Product overview

Kreissparkasse Reutlingen operates as a regional savings bank (Sparkasse) offering a comprehensive banking platform with multiple integrated product lines for retail customers. The core offering centers on the Girokonto (current account) family with three tiers: Konto mit Zukunft for youth, GiroKomfort for full-service banking, and GiroKlassik for standard accounts. These are supported by physical and digital card products (Sparkassen-Card debit and Kreditkarte Standard/Gold/Platinum), and access channels including Online-Banking via browser, App Sparkasse for mobile banking, S-pushTAN-App for transaction authorization, and chipTAN as an alternative security method. The credit portfolio spans consumer lending (S-Privatkredit, S-Autokredit, FlexiGeld, Ratenkredit), real estate financing (S-Baufinanzierung, KfW-Förderkredite), and overdraft facilities. Investment products include Sparkassen-Depot for securities custody, SmartVermögen (digitally-managed ETF portfolios), S Broker DepotPlus for self-directed trading, and DekaBank Depot for fund investments. Savings solutions comprise Sparkassenbrief, Sparkassenkapitalbrief, Geldmarktkonto, Bildungssparen, and SOLIT precious metals. Retirement products include BasisRente, IndexGarant, Betriebliche Altersvorsorge, and Rentenplanung 2.0. Insurance is managed through S-Versicherungsmanager, while LBS-Bausparen provides government-subsidized building savings. Real estate services cover the full property lifecycle. Digital innovation is represented by Chatbot Linda for customer service, Wero for instant European payments, Card Control for card management, Multibanking for multi-bank aggregation, Finanzplaner for household budgeting, and Kontowecker for account alerts.

Differentiator

Problem solved

Functional benefit

Brands

• SmartVermögen: Digital wealth management service offered in partnership with Deka Vermögensmanagement GmbH, providing ETF-based portfolio management with personalized investment strategies starting from 25 EUR monthly or 500 EUR one-time.
• S Broker DepotPlus
• Sparkassen-Depot
• App Sparkasse
• S-pushTAN-App
• S-Invest App
• App Sparkasse Business

Products and services

• Girokonto (Konto mit Zukunft, GiroKomfort, GiroKlassik) Current account products offered in three tiers: Konto mit Zukunft for young people (students, apprentices) with discounted fees; GiroKomfort for full-service banking with branch, phone, online, and mobile access; GiroKlassik as the standard account option. Designed for individual consumers and businesses in the Reutlingen district.
• Sparkassen-Card (Mastercard Debitkarte) Debit card (Mastercard debit) for cash withdrawals, payments in stores and online, integrated with mobile payment options including Apple Pay.
• Kreditkarte Standard Standard credit card for everyday payments and cash withdrawals.
• Kreditkarte Gold Premium credit card with worldwide payment flexibility, free cash withdrawals abroad, and comprehensive travel protection insurance for the whole family.
• Kreditkarte Platinum Premium credit card offering highest tier benefits and services.
• Online-Banking Full-featured internet banking platform accessible via browser, supporting account management, transfers, standing orders, electronic document delivery, and integrated pushTAN/chipTAN security methods.
• App Sparkasse Mobile banking application for smartphones and tablets offering account overview, transfers via photo payment or GiroCode, multibanking, Wero instant payments, card control, biometric login, and dark/light mode support.
• S-pushTAN-App Mobile app for generating transaction authorization numbers (TAN) with biometric authentication support, available in multiple languages for secure online banking transactions.
• S-Dispositionskredit Authorized overdraft facility attached to the current account for short-term liquidity needs.
• S-Privatkredit Personal loan for flexible financing needs with competitive interest rates.
• S-Privatkredit Plus Enhanced personal loan product with additional flexibility features.
• S-Autokredit Specialized loan product for financing vehicle purchases.
• S-Baufinanzierung Mortgage and real estate financing product for purchasing or building property.
• KfW-Förderkredite Government-subsidized loan programs through KfW development bank for energy efficiency, education, and other purposes, distributed through Kreissparkasse Reutlingen.
• Sparkassen-Depot Securities custody account for storing and managing investments in bonds, investment funds, ETFs, and stocks. Integrated with S-Invest App and Online-Banking.
• SmartVermögen Digital wealth management service managed by Deka Vermögensmanagement GmbH, offering ETF-based portfolio management starting at EUR 25/month or EUR 500 one-time. Includes SmartVermögen classic and SmartVermögen ESG (sustainability-oriented) variants with four risk profiles each.
• S Broker DepotPlus Self-directed trading platform from S Broker AG & Co. KG with trading starting at EUR 0.95 per trade, free custody account, and S Broker App for active investors.
• DekaBank Depot Investment depot through DekaBank for funds, ETFs, and securities with access via Online-Banking electronic mailbox.
• Fonds-Sparplan Regular savings plan for building wealth through fund investments starting at EUR 25 per month.
• Sparkassenbrief Fixed-term savings product with guaranteed interest rates for the investment period.
• Sparkassenkapitalbrief Capital letter product offering fixed returns over a defined term.
• Geldmarktkonto (Tagesgeld) Money market account with daily liquidity and variable interest rates.
• SOLIT Edelmetalldepot Tarif S Precious metals depot for investing in gold, silver, platinum, and other precious metals.
• BasisRente State-subsidized basic pension (Rürup pension) for retirement savings with tax advantages.
• IndexGarant Index-linked retirement savings product offering market participation with capital protection features.
• Betriebliche Altersvorsorge Company pension schemes including direct insurance, provident funds, and pension fund options.
• S-Versicherungsmanager Insurance management platform for tracking and managing all insurance policies distributed through SV SparkassenVersicherung.
• LBS-Bausparen Building society savings with state subsidies (Wohnungsbauprämie), VL-savings, and Wohn-Riester options for home purchase financing.
• Immobilien-Services Full real estate services including property valuation (Cockpit Immobilie), buying, selling, building, modernizing, and financing support.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration16 records

Feature5 records

Partnerships

14 partnerships are on record, tiered core and supporting.

• DekaBank Deutsche GirozentralecoreStrategic or Co-development PartnerDekaBank is the central securities depository and investment partner of the Sparkassen-Finanzgruppe. Provides DekaBank Depot, Deka-Connect+, Deka-Online-Services, JuniorDepot, and investment fund distribution through Kreissparkasse Reutlingen. The bevestor GmbH (100% subsidiary of DekaBank) operates SmartVermögen wealth management. Also Luxembourg S.A. entity for cross-border services.
• S-Broker AG & Co. KGcoreTechnology or IntegrationS-Broker provides the DepotPlus self-directed trading platform integrated into the Sparkasse's online banking. Enables commission-free Sparplan in ETFs, equities, and certificates from €5/month, with trading from €0.95 per trade and free depot maintenance. Contracted partner for self-service securities trading.
• LBS Landesbausparkasse SüdwestcoreStrategic or Co-development PartnerLBS building savings products (LBS-Bausparen) including government-subsidized home ownership savings, Wohn-Riester, VL-Sparen, and Wohnungsbau-Prämie. Offered exclusively through Sparkasse branches as a core savings and home ownership planning product.
• SV SparkassenVersicherung Holding AGcoreChannel Partner/ Reseller/ DistributorInsurance products (risk, health, property, travel) distributed through the Sparkasse's S-Versicherungsmanager platform, covering personal protection, home insurance, health coverage, and travel insurance. Primary insurance partner of the Sparkassen-Finanzgruppe.
• Kreditanstalt für Wiederaufbau (KfW)coreChannel Partner/ Reseller/ DistributorKfW government development bank loans (KfW-Förderkredite, KfW-Studienkredit) distributed through the Sparkasse, offering subsidized financing for energy efficiency, education, and small business development. Key partner for sustainable and social lending.
• S-Markt & Mehrwert GmbH & Co. KGsupportingTechnology or IntegrationTechnical service provider for WhatsApp business messaging, enabling Kreissparkasse Reutlingen to offer customer support and query resolution via WhatsApp. Acts as processor managing the messaging infrastructure.
• Google Ireland Ltd.supportingTechnology or IntegrationProvides Google Analytics for web analytics and Google Ads for online advertising. Chatbot Linda uses Google for intent recognition (AI-powered NLP). Data processing governed by EU-US Data Privacy Framework and standard contractual clauses.
• YellowMap AG (SmartMaps)supportingTechnology or IntegrationProvides SmartMaps service for interactive map display on the Kreissparkasse website, including branch/ATM locator functionality. Map tiles are generated on demand with IP address processing and 10-minute data deletion.
• S-Kreditpartner GmbHsupportingChannel Partner/ Reseller/ DistributorSpecialized lending partner providing consumer credit products distributed through the Sparkassen network, complementing the bank's own S-Privatkredit and S-Autokredit offerings.
• SOLIT GruppesupportingChannel Partner/ Reseller/ DistributorProvides SOLIT Edelmetalldepot Tarif S (precious metals custody account) for gold, silver, and other precious metals investment, offered as part of the savings and investment product lineup.
• S-International BWS GmbH & Co. KGsupportingChannel Partner/ Reseller/ DistributorInternational banking services partner facilitating cross-border financial services, currency exchange, and global transaction banking for Sparkasse customers.
• Unternehmensgruppe Deutsche Leasing AGsupportingChannel Partner/ Reseller/ DistributorEquipment and asset financing partner offering leasing solutions for business customers, complementing the Sparkasse's commercial lending capabilities.
• Meta Platforms Ireland Ltd. (Facebook/Instagram)supportingGTM or Marketing PartnerFacebook and Instagram platforms used for social media presence and customer engagement, with joint Page Insights data processing under GDPR Art. 26 joint controllership. Facebook pages for brand communication, Instagram for visual content.
• Friendly Captcha GmbHsupportingTechnology or IntegrationProvides Friendly Captcha bot protection service to prevent automated abuse and spam on the website (contact forms, newsletter signup, calculators). Privacy-friendly alternative to traditional CAPTCHA using cryptographic puzzles.

Scale indicators2 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Hamburger Sparkasse (Haspa): Major urban Sparkasse offering the same product universe (current accounts, mortgages, securities via S-Broker, insurance via SV SparkassenVersicherung, LBS building savings) to retail and SME customers. Closely matches Kreissparkasse Reutlingen's product mix, GTM motion, and group-partner ecosystem.
• Stadtsparkasse München: Municipal savings bank with the standard Sparkassen-Finanzgruppe product stack and similar omnichannel distribution. Useful comparable for assessing how a Sparkasse monetizes deposits, mortgages, and wealth products in a regionally confined footprint.
• Frankfurter Sparkasse: Helaba-affiliated Sparkasse in Frankfurt with comparable product set and SME/private-banking orientation. Directly relevant for benchmarking product depth, digital features, and group-partner integration.
• Sparkasse KölnBonn: One of Germany's largest Sparkassen, operating under the same Sparkassen-Finanzgruppe framework and product set (Girokonto, S-Baufinanzierung, S-Broker, DekaBank, SV SparkassenVersicherung). Directly comparable on revenue model, regulatory regime, branch-and-digital distribution, and public-law status.
• Volksbank Reutlingen: Cooperative Volksbank operating in the Reutlingen district, sharing the same local market and SME/retail customer base. Closely comparable on customer segments, branch distribution, and product range (current accounts, mortgages, investment funds, insurance).

Emerging players

• Solaris SE: Berlin-based banking-as-a-service platform partnering with fintechs and corporates on deposits, lending, and payments. Represents the emerging technology-led competitive vector that could eventually disintermediate parts of Kreissparkasse Reutlingen's product stack.
• Comdirect: Commerzbank-owned online broker and direct bank competing head-on with S-Broker and Sparkassen-Depot for self-directed retail investors. Relevant comparable on securities-pricing structure and digital trading UX.

Broad incumbents

• DKB (Deutsche Kreditbank): Large direct bank owned by BayernLB, offering free checking, brokerage, and lending to a nationwide retail base. A direct competitor on deposit gathering and digital banking, but with a far larger national footprint and a non-Sparkassen ownership structure.
• ING-DiBa: Germany's largest direct bank and a primary threat to Kreissparkasse Reutlingen's deposit and brokerage franchise. Operates a free current account, consumer lending, and securities platform, with similar digital capabilities (app, instant payments, robo-advice).

Regional players

• BW-Bank: Baden-Württemberg state-bank subsidiary of LBBW serving retail, corporate, and public-sector customers in the same state as Kreissparkasse Reutlingen. Operates a similar product range and faces the same regional competitive dynamics.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCZbll1yuTAVszvkw-4HMnEg
• Facebookfacebook.com/kskreutlingen
• LinkedInlinkedin.com/company/kreissparkasse-reutlingen
• Instagramksk-reutlingen.de/de/home/weiterleitungen/instagram.html?n=true&stref=iconbutton
• Xx.com/kskreutlingen

Compliance2 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 Reutlingen