What Banka Sparkasse d.d. does

Banka Sparkasse d.d. is a privately held Slovenian retail and SME bank headquartered in Ljubljana at Cesta v Kleče 15, operating as an independent subsidiary within the Erste Group and Sparkassen franchise. The bank was established in 2019 and serves retail customers (Prebivalstvo), small and medium enterprises (Gospodarstvo), self-employed professionals, seniors, young budget-conscious customers, and premium cardholders through 11 business units and advisory centers across Slovenia, supported by wholly owned subsidiaries Sparkasse Pay d.o.o. and Sparkasse Leasing S d.o.o.

The core product set is organized around tiered account packages (FIT, Mali, Srednji, Veliki, and Udobni accounts), consumer and green loans (up to €40,000 with promotional rates from 4.99% fixed), term deposits (up to 3.00% annual interest in promotional periods), savings products (Bonus Account, Brihta youth savings, Namensko Varčevanje), and payment cards (Mastercard debit, Mastercard World, Diners Club credit). The digital platform comprises three branded channels: M.Stik mobile banking (iOS/Android with biometric login, QR 'scan and pay', and Flik instant P2P transfers), Net.Stik web banking, and Pro.Stik / Net.StikPRO for corporate customers, all integrated with EU SEPA Instant Payments infrastructure and Verification of Payee (VoP) name-matching for fraud prevention.

The bank's revenue model is dominated by net interest income from consumer lending and deposit spreads, supplemented by recurring account maintenance fees (€0–€8.49/month, with loyalty discounts up to 25%), payment transaction commissions (with preferential intra-Erste Group rates), card annual and monthly fees, and digital subscription premiums. Go-to-market combines an advisor-led model (every customer assigned a personal financial advisor) with direct-to-consumer digital onboarding, a €40 referral program ('Prijateljstvo, ki se obrestuje'), 6-step online loan applications with 50% credit-approval cost discount, and a content-marketing-led brand campaign ('#VerjemiVase') featuring a celebrity partnership with Žan Serčič. Management is led by Tomaž Šalamon (President of the Management Board) and Thomas Jurkowitsch (Member of the Management Board).

Name

Banka Sparkasse d.d.

Legal name

Banka Sparkasse d.d.

Website

https://sparkasse.si

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

251–500 employees

Short description

Banka Sparkasse d.d. is a privately held Slovenian retail and SME bank founded in 2019 within the Erste Group, serving individual and corporate customers through 11 branches and digital channels (M.Stik, Net.Stik, Pro.Stik) with accounts, loans, deposits, and payment cards.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Commercial Banking (522110), Depository Credit Intermediation (5221)

SIC

National Commercial Banks (6021)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industries

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC), Payables & Disbursements (ACH/SEPA, wires, checks, virtual cards) (FSABAIAB)

Keywords

• Retail banking services
• Consumer lending
• Deposit accounts
• Corporate banking
• Digital banking

Headquarters

HQ city

Ljubljana

HQ country

Slovenia

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income from Lending: Primary revenue from consumer loans (4.99%-5.90% fixed rates), residential mortgages, and business lending. Consumer loans up to 40,000€ with terms up to 7 years (extendable to 10 years based on relationship). Interest rate varies based on salary transfer and account type.
2. Account Maintenance Fees: Monthly account keeping fees ranging from 0€ (FIT account with 1000€ balance) to 8.49€ for standard accounts. Loyalty discounts up to 25% based on product usage. TRR maintenance 2.99€ per month.
3. Deposit Interest Spreads: Revenue generated from spread between interest paid to depositors (up to 3.00% annually for special deposits) and higher rates charged on loans
4. Payment Transaction Fees: Commissions from payment processing, including domestic and international transfers, with preferential rates within Erste Group and Sparkasse network
5. Card Fees: Annual and monthly fees for debit (Mastercard) and credit (Diners Club) cards, including premium tiers (Mastercard World) with lounge access and insurance benefits
6. Digital Banking Subscriptions: Fees for premium digital banking services including Net.Stik, Pro.Stik, and M.Stik premium features

Pricing tiers

Go-to-market motion2 records

Distribution channels7 records

Marketing channels6 records

Core offering

Banka Sparkasse d.d. is a Slovenian retail and corporate bank offering bundled account packages (FIT, Mali/Srednji/Veliki, Udobni), consumer loans up to EUR 40,000 with fixed rates starting from 4.99%, term deposits with promotional rates up to 3.00% APY, debit Mastercard and Diners Club credit cards, business banking with factoring, and digital banking through M.Stik mobile, Net.Stik web, and Pro.Stik business platforms. Core services are delivered through 11 physical branches and integrated digital channels with personal financial advisors assigned to each customer.

Product overview

Banka Sparkasse d.d. offers a comprehensive retail and corporate banking portfolio organized around account packages (FIT, Mali/Srednji/Veliki, Udobni), lending products (consumer loans, green loans), savings instruments (deposits, Bonus Account, Brihta), payment cards (Mastercard debit, Diners Club credit), and digital banking channels (M.Stik mobile, Net.Stik web, Pro.Stik business). Core account packages bundle transaction accounts with cards, digital access, and optional insurance/security upgrades. Savings products include term deposits with promotional rates up to 3.00% and flexible savings accounts. The mobile banking app M.Stik serves as the primary digital channel with Flik instant payments, QR scanning, and biometric authentication. Business offerings include Pro.Stik, Net.StikPRO, factoring, and corporate account packages. Loyalty programs reward multi-product usage with up to 25% discounts on account maintenance fees.

Differentiator

Problem solved

Functional benefit

Brands

• M.Stik: Mobile banking application for iOS and Android enabling users to manage finances, make payments, and access banking services on the go.
• Net.Stik
• Pro.Stik

Products and services

• FIT Package Account Entry-level transaction account offering free monthly maintenance when average balance exceeds EUR 1,000. Bundled with debit Mastercard, free ATM withdrawals at Sparkasse and Erste Group ATMs, Flik instant payments, M.Stik mobile banking, and an insurance package. Targeted at individual retail customers seeking low-fee digital banking.
• Mali, Srednji, Veliki Package Accounts Tiered bundled account packages (Small, Medium, Large) offering progressively more services including debit cards, digital banking, insurance coverage, and overdraft options. Loyalty discounts up to 25% on monthly maintenance fees based on multi-product usage (salary deposit, savings, card usage, loans). Two years free for customers aged 60+ or Diners Club holders.
• Udobni (Comfort) Accounts Basic transaction accounts with free cash withdrawals at Sparkasse and Erste Group ATMs, Mastercard debit card, Flik payments, and a security package with skimming protection. Requires separate subscription to additional services.
• Consumer Loans (Potrošniški krediti) Installment loans for home renovation, vehicle purchases, equipment, and other major personal expenses. Amounts up to EUR 40,000, repayment terms up to 7 years (extendable to 10 years based on banking relationship), fixed rates from 4.99% (for terms up to 36 months) or 5.90% (for quick loans and longer terms). Optional unemployment insurance available.
• Term Deposits (Depoziti) Term deposit accounts with fixed interest rates, deposit insurance up to EUR 100,000 via Banka Slovenije, and special promotional rates up to 3.00% APY for 12-14 month terms with salary/pension transfer requirements. Minimum deposit EUR 500.
• Savings Products (Bonus Account, Brihta, Namensko Varčevanje) Flexible savings products including Bonus Account (better interest than Comfort Account without term restrictions), Brihta youth savings account, and purpose-based named savings for specific goals (wedding, travel, vehicle) with various interest rates and no mandatory minimum balance.
• Debit Mastercard Debit payment card enabling cashless and contactless purchases at POS terminals and online worldwide, free ATM withdrawals at Sparkasse and Erste Group ATMs, purchases up to EUR 50 without PIN, and optional Mastercard World benefits (lounge access, travel insurance) for premium accounts. Includes Mastercard SecureCode for online transaction verification.
• Diners Club Sparkasse Credit Card Credit card with deferred payment offering two separate credit limits (for installments and everyday purchases), up to 60 installments in Slovenia, D-TOREK partner discounts, airport lounge access, Fast Track security privileges, online purchase protection, and travel insurance.
• M.Stik Mobile Banking Mobile banking application for iOS and Android providing scan-and-pay QR code payments ('slikaj in plačaj'), Flik instant P2P transfers, payment processing, account balance monitoring, deposit/loan management, e-invoice handling, card limit management, biometric login (fingerprint/Face ID on iOS), and online purchase confirmation for Mastercard/Maestro cards.
• Net.Stik Online Banking Web-based electronic banking platform for account management, payments, transfers, transaction monitoring, and digital banking requests for retail customers.
• Pro.Stik Business Digital Banking Business-focused online and mobile banking solution offering payment processing, transaction management, payroll processing, and integration with business accounting systems through SPP-documented digital banking services for corporate clients.
• Net.StikPRO Business Electronic Banking Professional electronic banking service for business customers with advanced payment management, multi-user access, and SPP-governed terms for corporate account operations.
• Business Account Packages Corporate banking packages providing payment processing, transaction accounts, and business advisory services with favorable commissions for intra-group Erste Group and Sparkasse transactions, plus e-Račun (electronic invoice) processing.
• Factoring Services Accounts receivable management through standard and reverse factoring arrangements, governed by documented general business conditions, supporting SME cash flow optimization and receivables financing.
• Green Loans (Zeleni krediti) Specialized consumer loans for sustainable purchases including solar panels, battery storage systems, heat pumps, and green home solutions, offered through partnerships with Termo Shop and Merkur.
• SEPA Instant Payments EU regulation-compliant instant SEPA credit transfer service enabling fund transfers within 10 seconds, 24/7/365, with name-IBAN matching verification (VoP) for fraud prevention and customer-controlled payment limits. Available across M.Stik, Net.Stik, and Pro.Stik channels.
• Security Packages (Varnostni paketi) Tiered security bundles (Basic, SMS, Popolni SMS) providing fraud protection, skimming insurance, emergency card replacement, and travel insurance for Mastercard holders, in partnership with Triglav Insurance, Zavarovalnica Sava, and Wiener Städtische.

Quantifiable outcome

• 3.00% annual interest on 12-14 month deposits
• +4 more outcomes

Named customers3 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

Feature5 records

Partnerships

Nine partnerships are on record, tiered minor and core.

• National Campaign 'Če bi stene govorile'minorGTM or Marketing Partner · 11 March 2026Sparkasse is partner of national campaign addressing domestic violence awareness and prevention, creating safe environments for individuals in need.
• Erste Group Bank AGcoreStrategic or Co-development PartnerParent company of Erste Group operating in Austria, Czech Republic, Slovakia, Hungary, Romania, Serbia, Bosnia and Herzegovina, Montenegro, North Macedonia, Croatia, Poland, and Slovenia. 22.7 million customers served across the group. 45,700 employees. 200+ years of tradition.
• Sparkasse Pay d.o.o.coreStrategic or Co-development PartnerSubsidiary company within Sparkasse Group in Slovenia, part of digital payment ecosystem
• Sparkasse Leasing S d.o.o.coreStrategic or Co-development PartnerSubsidiary providing leasing services in Slovenia. Special promotion offered to Sparkasse Leasing S customers (2 years free account maintenance).
• UNICEF SlovenijaminorStrategic or Co-development PartnerPartnership for children's mental health support. Sparkasse's Nova Gorica branch served as UNICEF Safe Point during 2023 floods. Contributions to mental health strengthening for children and youth.
• Triglav InsuranceminorStrategic or Co-development PartnerPartnership for insurance offerings including card protection insurance, skimming protection, and travel insurance for Mastercard holders and Veliki paket customers.
• Sava Insurance (Zavarovalnica Sava d.d.)minorStrategic or Co-development PartnerTravel insurance with abroad assistance for Veliki paket account holders, in collaboration with Zavarovalnica Sava d.d.
• Wiener StädtischeminorStrategic or Co-development PartnerTravel insurance with assistance services provided under general terms with Wiener Städtische.
• Mastercard Europe SAcoreTechnology or IntegrationCard network provider for debit Mastercard and Diners Club cards. Provides SecureCode authentication, World card benefits including airport lounges, fast track security, and online purchase protection.

Scale indicators9 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• NKBM (Nova Kreditna Banka Maribor): Second-largest Slovenian bank, majority-owned by Apollo Global Management. Offers retail banking, consumer lending, corporate banking, and digital services in direct competition with Sparkasse.
• Addiko Bank: Austrian-founded CEE banking group with Slovenian operations focusing on consumer lending and retail banking. Directly competes in the same consumer loan and deposit segments as Sparkasse.
• Deželna banka Slovenije (DBS): Slovenian bank with focus on cooperative/municipal banking model, serving retail and SME customers. Direct competitor in the Slovenian retail and small business banking segments.
• Gorenjska banka: Slovenian regional bank headquartered in Kranj, offering retail banking, consumer loans, and corporate services. Mid-sized direct competitor in the Slovenian market.
• NLB (Nova Ljubljanska Banka): Slovenia's largest bank, offering retail and commercial banking, deposits, consumer loans, and digital banking services. Direct domestic competitor with overlapping product portfolio and similar customer segments across Slovenia.
• SKB Banka: Slovenian universal bank owned by OTP Group (Hungary), providing retail deposits, consumer loans, mortgages, and corporate banking. Comparable mid-sized competitor targeting similar retail and SME segments.

Broad incumbents

• Intesa Sanpaolo Bank (Banka Intesa Sanpaolo): Slovenian subsidiary of Italian Intesa Sanpaolo Group, providing retail and corporate banking services. Broader international banking group with overlapping Slovenian retail and SME offerings.
• UniCredit Banka Slovenija: Subsidiary of Italian UniCredit Group, offering full-service retail, corporate, and investment banking in Slovenia. Broad incumbent with wider product portfolio including investment banking services.
• Erste Bank (Austria): Austrian parent entity of Erste Group, Sparkasse's ultimate parent. Provides retail and corporate banking across Austria with similar product lineup, including consumer loans, deposits, and digital banking.

Regional players

• OTP banka Slovenija: Slovenian subsidiary of Hungarian OTP Bank Group, providing retail and commercial banking services. Regional player from Hungary with comparable product offerings in the Slovenian market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks4 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/banka-sparkasse-d-d

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Banka Sparkasse d.d.