Sparkasse Holstein
Sparkasse Holstein is a German public savings bank serving retail, youth, and corporate customers across the Holstein region with 34 branches, offering accounts, loans, investments, insurance, and digital banking as part of the Sparkassen-Finanzgruppe.
- Company typePrivate
- Founded1824
- HeadquartersBad Oldesloe, Germany
- Headcount51–100
- GTM typeB2C
- OfferingServices
What Sparkasse Holstein does
Sparkasse Holstein is a German public law savings bank (Anstalt des Öffentlichen Rechts), headquartered in Bad Oldesloe, serving retail customers, young customers, high-net-worth individuals, and corporate clients across the Holstein region from Hamburg to Fehmarn. The bank operates 34 full-service branches and 41 self-service locations, backed by a formal '2030-Garantie' commitment to regional presence, and is a member of the nationwide Sparkassen-Finanzgruppe. Founded in 1824, it operates as a regulated public-sector institution without public equity listing.
The core product platform is the moingiro! account ecosystem, offering tiered checking accounts (GiroPur, Leichte Brise, Frischer Wind, Rückenwind Deluxe) integrated with the Sparkassen-App (S-App), online banking, pushTAN authentication, Card Control, and Multibanking. Revenue is generated across diversified streams: net interest income from mortgages, consumer loans, overdrafts, and auto loans; recurring account management fees (€4.85–€17.70/month depending on tier); transaction-based fees and credit card annual fees; commissions from securities brokerage (DekaBank, Holstein Depot), insurance products (Allianz, Neue Leben, Provinzial), and building society savings (LBS). The bank also sells investment funds, retirement products (Riester, Rürup, Sparkassen-GarantRente), and operates a robo-advisor (bevestor).
The technology stack is primarily standardized Sparkassen-Finanzgruppe infrastructure, with proprietary digital features including the Cockpit Immobilie real estate dashboard, Wero instant payments, and the Linda chatbot (Google NLP-backed). Distribution is hybrid: physical branch advisory supplemented by digital channels (online banking, mobile app, video chat, KundenDialogCenter telephone service). The go-to-market emphasizes multi-product household relationships, youth customer acquisition through free accounts and educational programs (Planspiel Börse, Sparkassen-SchulService), and regional loyalty via community engagement initiatives.
Sparkasse Holstein firmographics
Firmographics- Name
- Sparkasse Holstein
- Legal name
- Sparkasse Holstein Anstalt des Öffentlichen Rechts
- Website
- https://sparkasse-holstein.de
- Company type
- Private
- Founded year
- 1824
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Sparkasse Holstein is a German public savings bank serving retail, youth, and corporate customers across the Holstein region with 34 branches, offering accounts, loans, investments, insurance, and digital banking as part of the Sparkassen-Finanzgruppe.
- Ownership category
- akta.pro rank
Sparkasse Holstein industry classification
Industry- Product category
- Retail Banking
- NAICS
- Savings Institutions and Other Depository Credit Intermediation (52218)
- SIC
- Savings Institutions, Not Federally Chartered (6036)
- akta.pro primary industry
- Savings Banks (Public/State-Owned) (FSABAKAK)
Keywords
Where Sparkasse Holstein is headquartered
LocationHeadquarters
- HQ city
- Bad Oldesloe
- HQ country
- Germany
- HQ region
- Europe
Offices2 records
Markets served
Sparkasse Holstein business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others
Revenue model
- Interest Income: Traditional banking revenue from interest charged on loans including mortgages (Baufinanzierung), personal loans (Privatkredit), auto loans (Autokredit), and overdraft facilities (Dispositionskredit). Interest rates vary by product and customer risk profile.
- Account Management Fees: Monthly account maintenance fees charged across various account tiers (moingiro! models). Fees range from €4.85 to €17.70 per month depending on account package and customer age.
- Transaction Fees: Fees for banking transactions including credit card annual fees (€36-84/year), overdraft interest, and various service charges.
- Investment Products: Revenue from securities brokerage, fund management through Deka, and wealth management services including Holstein Depot (from €19.95/year) and Private Banking services.
- Insurance Products: Commission revenue from insurance products through the Versicherungsagentur Holstein, including property, liability, health, and travel insurance. Partner providers include Allianz, Neue Leben, and Provinzial.
- Building Society (LBS): Revenue from building society savings products with state subsidies, including LBS-Bausparen and related housing finance products.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Leichte Brise - Standard account for adults (30+) |
| Subscription | Monthly | Frischer Wind - Premium account for adults (30+) |
| Subscription | Monthly | Rückenwind Deluxe - Premium Plus account for adults (30+) |
| Subscription | Monthly | GiroPur - Basic account without extras |
| Subscription | Monthly | Youth accounts (Auszubildende/Studenten 18-29) |
| Subscription | Monthly | Children accounts (0-17) |
| Usage-based | Pay-as-you-go | Dispositionskredit interest rates |
| Subscription | Annual | Holstein Depot (Securities account) |
| Subscription | Annual | Credit card pricing |
Go-to-market motion1 record
Distribution channels7 records
Marketing channels7 records
Sparkasse Holstein product offering
Product offeringCore offering
Sparkasse Holstein is a regional German savings bank offering retail and corporate banking products including Girokonto (checking) accounts under the moingiro! brand, savings and investment products, mortgage and consumer loans, securities brokerage, insurance products through Versicherungsagentur Holstein, and retirement planning solutions. Services are delivered through a hybrid of 34 physical branches, 41 self-service locations, online banking, mobile app, and video chat advisory across the Holstein region from Hamburg to Fehmarn.
Product overview
Sparkasse Holstein operates as a regional savings bank offering a comprehensive banking and financial services ecosystem centered around the moingiro! account platform. The portfolio spans five core pillars: (1) moingiro! Girokonto models (Leichte Brise, Frischer Wind, Rückenwind Deluxe, GiroPur) with integrated value-added services including PAYBACK integration and bonus programs; (2) Digital Banking Suite comprising Online-Banking, App Sparkasse (S-App), S-pushTAN-App, chipTAN, Wero, Card Control, Multibanking, and Kontowecker; (3) Credit & Financing products including S-Privatkredit, Sparkassen-Autokredit, S-Baufinanzierung, Dispositionskredit, and KfW-Förderkredite; (4) Savings & Investments including Holstein Anlagekonto, Geldmarktkonto, Holstein Depot, LBS-Bausparen, Anlagekonto Gold, and robo-advisor bevestor; (5) Retirement Planning products such as Allianz RiesterRente, Aktivplan, Zukunfts-Ich, and Sparkassen-GenerationenDepot Invest; and (6) Insurance services through the Versicherungsagentur Holstein including Kfz, Hausrat, Haftpflicht, Rechtsschutz, and travel insurance. The bank serves retail customers, corporate clients, and high-net-worth individuals through 34 branches, comprehensive digital channels, and specialized advisory services.
Differentiator
Problem solved
Functional benefit
Brands
- moingiro!: Brand name for the bank's account products and services including various checking account models (Girokonto) with associated benefits and bonus programs
- moin! Leben
- Linda
- Versicherungsagentur Holstein
Products and services
- moingiro! Kontowelt Primary banking account ecosystem offering multiple account models (Leichte Brise, Frischer Wind, Rückenwind Deluxe, GiroPur) with integrated value-added services, bonus programs, and multi-channel banking capabilities for retail customers.
- Leichte Brise (Girokonto) Monthly account model priced at €9.70 including Sparkassen-Card with Girocard and Debit function, online banking, App Sparkasse, and access to moingiro! advantages and bonus program for adult (30+) customers.
- Frischer Wind (Girokonto) Premium account model priced at €11.70 monthly, including all Leichte Brise benefits plus Sparkassen credit card Standard and unlimited bookings, with enhanced moingiro! bonus program (7% TicketBonus and ReiseBonus) for adult (30+) customers.
- Rückenwind Deluxe (Girokonto) Premium account model priced at €17.70 monthly with all-inclusive services including credit card Gold, 24/7 handyman emergency assistance, wallet protection, emergency cash, and lawyer hotline for adult (30+) customers.
- GiroPur (Girokonto) Basic account model without additional benefits, priced at €4.95 monthly plus individual transaction fees, designed for customers who prefer a simple account without bundled services.
- Seebärenkonto Free Girokonto for children aged 0-10 years with 3.00% p.a. interest on savings up to €500 and free banking services.
- Jungs & Deerns (Girokonto) Free Girokonto for young people aged 11-17 years with 0.5% p.a. interest on savings up to €500 and free banking services.
- Online-Banking Comprehensive digital banking platform providing 24/7 access to accounts, transfers, standing orders, electronic mailbox, and over 149 digital services via browser or App Sparkasse.
- App Sparkasse (S-App) Mobile banking application for smartphones and tablets providing account management, transfers, card controls, and access to all Sparkasse services on the go.
- S-Privatkredit Personal loan product for flexible financing needs with quick online application process and individual consultation options.
- Sparkassen-Autokredit Vehicle financing product with individual consultation, flexible terms, and quick disbursement for car purchases.
- S-Baufinanzierung Real estate financing product for purchasing or constructing property, featuring state subsidies and favorable interest rates with security during the entire loan term.
- Dispositionskredit Arranged overdraft facility providing quick access to credit with interest costs only when used and flexible repayment terms.
- Sparkassen-Card Plus Debit card with integrated personal credit line, offering flexible funds access at lower rates than overdraft, usable like standard Sparkassen-Card.
- KfW-Förderkredite State-subsidized loans for construction, purchase, renovation, or age-appropriate conversion of residential property with favorable interest rates and repayment subsidies.
- Holstein Anlagekonto Savings account with guaranteed interest rates up to 2.95% p.a. and flexible terms of 1-3 and 7 years, requiring minimum investment of €2,500.
- Geldmarktkonto (Tagesgeldkonto) Daily access savings account offering 0.75% interest p.a. with full liquidity and easy access via online banking.
- Holstein Depot (Wertpapier-Depot) Securities depot for investments starting at €19.95 annually, free until age 27, with easy management via online brokerage.
- Anlagekonto Gold Gold investment account allowing purchase and sale of gold at current rates, available as one-time investment or savings plan, with option for physical gold bar delivery.
- LBS-Bausparen Building society savings product enabling long-term locking in of low interest rates and benefiting from state subsidies for housing purposes.
- bevestor (Robo-Advisor) Digital investment advisory service providing automated, algorithm-based portfolio management and investment recommendations.
- DekaBank Depot Investment depot provided through partnership with DekaBank for accessing fund investments, ETFs, and securities with consolidated document management.
- S Broker DepotPlus Securities trading depot through S Broker for active investors requiring direct market access and comprehensive trading tools.
- Sparkassen-Altersvorsorge Comprehensive retirement planning product suite including various pension and annuity products for securing financial independence in retirement.
- Zukunfts-Ich (Neue Leben) Flexible retirement savings product from Neue Leben allowing variable contributions and payments, with optional single sum or lifetime monthly annuity at retirement.
- Aktivplan (Neue Leben) Hybrid retirement product combining conventional and fund-based investment, guaranteeing lifetime monthly pension with nursing care component included from retirement start.
- Allianz RiesterRente State-subsidized private pension insurance from Allianz offering government allowances and potential tax benefits with guaranteed lifetime pension.
- Sparkassen-GenerationenDepot Invest Multi-generational investment product designed for passing wealth to future generations with flexible inheritance planning features.
- S-Versicherungsmanager Insurance management platform providing overview of all insurance policies, helping organize and optimize coverage with finding suitable tariff recommendations.
- Kfz-Versicherung Vehicle insurance providing legally required basic coverage with optional partial or fully comprehensive coverage and Europe-wide service.
- Privat-Haftpflichtversicherung Personal liability insurance covering everyday risks with worldwide protection including for the whole family.
- Hausratversicherung Home contents insurance protecting personal belongings with individually selectable coverage sum and quick replacement at new value.
- Rechtsschutzversicherung Legal expenses insurance covering all life areas, optionally extendable to family members, with telephone initial consultation included.
- Unfallversicherung Accident insurance providing financial protection for policyholder and family in case of permanent disability with lump sum payment.
- Berufsunfähigkeitsversicherung Occupational disability insurance guaranteeing financial security with guaranteed pension in case of professional or earning incapacity and worldwide coverage.
- Auslandsreisekrankenversicherung International travel health insurance providing private patient status abroad with 24-hour emergency hotline, Stiftung Warentest winner.
- Sparkassen-Privat-Schutz Plus Package insurance product with customized coverage tailored to individual needs, all services from one source with multi-policy discounts.
- S-Immobilienmakler Real estate brokerage service connecting buyers and sellers with professional property agents for property transactions.
- Mobiles Bezahlen Mobile payment service enabling smartphone payments by digitally storing Sparkasse cards for contactless payments worldwide.
- Online-Steuererklärung (WISO steuer:WEB) Online tax declaration service powered by WISO steuer:WEB integrated into Sparkasse services for convenient tax filing.
Quantifiable outcome
- 34 branches providing personal advisory across region
- +3 more outcomes
Companies that use Sparkasse Holstein
Customer profileSegments4 records
Ideal customer profiles4 records
Sparkasse Holstein technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration13 records
AI capability2 records
Feature7 records
Sparkasse Holstein partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core and minor.
- DekaBank / Deka InvestmentscoreStrategic partnership for investment products and securities brokerage. DekaBank provides the DekaBank Depot for securities trading, Deka ETFs, investment funds, and various certificate products. The partnership enables Sparkasse Holstein to offer comprehensive investment services including SmartVermögen, Deka-Connect+, and the Holstein Depot.
- AllianzcoreAllianz RiesterRente (state-subsidized retirement insurance) offered through Sparkasse Holstein. Product features include government allowances, possible tax benefits, guaranteed lifelong pension, and 100% contribution guarantee through Allianz Sicherungsvermögen. Recognized as 'Testsieger' (test winner) by FOCUS-MONEY and Franke und Bornberg.
- Neue Leben (Aktivplan)corePartnership for private pension and retirement products including Aktivplan (combination of conventional and fund-based investment) and Zukunfts-Ich (variable pension product). Products offer flexible contribution payments and lifelong pension options.
- LBS (Landesbausparkasse)coreBuilding society partnership offering LBS-Bausparen products with state subsidies including Wohnungsbau-Prämie, Riester home ownership allowances, and VL-Sparen (investment savings with employer contributions). Products for home purchase, modernization, and follow-up financing.
- Provinzial VersicherungcoreInsurance products through Versicherungsagentur Holstein. Provincial insurance offerings include property, liability, legal protection, and accident insurance. Includes online damage reporting portal and comprehensive insurance management.
- PAYBACKminorPAYBACK loyalty program integration with moingiro! accounts. Customers can collect and redeem PAYBACK points through their Sparkasse account, with RegioBonus for regional partners.
- Wero (European Payments Initiative)coreEuropean instant payment solution enabling money transfers in under 10 seconds via mobile app. Part of European Payments Initiative (EPI) with support from major German banks and Sparkassen.
- Sparkassen-FinanzgruppecoreInstitutional membership in the German Sparkassen-Finanzgruppe (Savings Bank Finance Group). Provides deposit insurance through the institutsbezogene Sicherungssystem, shared technology platforms, S-Communication Services for newsletters, and collective brand presence.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
Sparkasse Holstein competitors and assessment
Company assessmentDirect peers
- Sparkasse Kiel: Larger regional Sparkasse headquartered in the state capital of Schleswig-Holstein. Operates the same Sparkassen-Finanzgruppe product shelf (Deka, LBS, S Broker, Allianz) and targets a comparable retail and Mittelstand customer base in the same state.
- DKB (Deutsche Kreditbank): Direct bank owned by BayernLB that competes for the same German retail and Baufinanzierung customers with a digital-first model. Head-to-head competitor in the digital channel for the same Holstein retail and consumer-finance wallet, especially younger customers.
- Sparkasse zu Lübeck: Neighboring regional Sparkasse in Schleswig-Holstein with the same public-law, branch-and-digital retail banking model. Direct overlap in geography and product set; the most direct like-for-like comparable for Sparkasse Holstein's mix of retail, mortgage, and Mittelstand services.
- Hamburger Sparkasse (Haspa): Largest regional Sparkasse in northern Germany, headquartered in Hamburg at the western edge of Sparkasse Holstein's branch footprint. Closest larger direct peer in the Hamburg metropolitan catchment, with a very similar product and segment mix.
- Volksbank Hamburg: Cooperative (Volksbanken Raiffeisenbanken) member-owned bank serving the same Hamburg/Stormarn retail and Mittelstand market. Operates a directly competing locally-rooted retail and mortgage offering, and is the primary cooperative alternative to the Sparkasse proposition in the region.
Broad incumbents
- Deutsche Bank: Germany's largest universal bank with a full retail, wealth, and Mittelstand franchise. Overlaps with Sparkasse Holstein in private banking, brokerage (Holstein Depot competes with DB's offerings), and corporate banking, but serves a much broader geography.
- ING (ING-DiBa): Largest direct bank in Germany with a strong mortgage, brokerage, and Girokonto offering. Operates as a broad incumbent in retail banking that overlaps with Sparkasse Holstein's accounts, deposits, and Baufinanzierung lines, but at a national rather than regional scale.
- TARGOBANK: Consumer and SME bank with strong Baufinanzierung, consumer credit, and Girokonto propositions in Germany. Competes directly in personal loans, mortgages, and current accounts, particularly in the 30+ demographic that overlaps with Sparkasse Holstein's core base.
- Commerzbank: German universal bank with a broad retail and Mittelstand offering including accounts, mortgages, and wealth management. Competes with Sparkasse Holstein on Baufinanzierung, business accounts, and private banking, but is not regionally focused and lacks the public-law mandate.
Emerging players
- N26: Berlin-based digital challenger bank with strong traction among German retail and especially younger customers. Represents the most aggressive emerging threat to Sparkasse Holstein's pipeline of new retail relationships and to the moingiro! loyalty-based engagement model.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Sparkasse Holstein social profiles
Digital presenceSparkasse Holstein financial estimates
Financial estimateRevenue estimate
Valuation estimate
Sparkasse Holstein leadership team
Management profileNumber of profiles
Profiles4 records
Sparkasse Holstein funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Sparkasse Holstein 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 Holstein
What does Sparkasse Holstein do?
Sparkasse Holstein is a regional German savings bank offering retail and corporate banking products including Girokonto (checking) accounts under the moingiro! brand, savings and investment products, mortgage and consumer loans, securities brokerage, insurance products through Versicherungsagentur Holstein, and retirement planning solutions. Services are delivered through a hybrid of 34 physical branches, 41 self-service locations, online banking, mobile app, and video chat advisory across the Holstein region from Hamburg to Fehmarn.
Is Sparkasse Holstein a public or private company?
Sparkasse Holstein is a private company. It is classified as state government owned and is currently operating.
When was Sparkasse Holstein founded?
Sparkasse Holstein was founded in 1824. It employs 51 to 100 people.
Where is Sparkasse Holstein based?
Sparkasse Holstein is headquartered in Bad Oldesloe, Germany, in the Europe region.
How does Sparkasse Holstein make money?
Six revenue lines are on record. Interest Income is the primary driver. The others are account Management Fees, transaction Fees, investment Products, insurance Products and building Society (LBS).
Who are Sparkasse Holstein's main competitors?
Direct peers on record are Sparkasse Kiel, DKB (Deutsche Kreditbank), Sparkasse zu Lübeck, Hamburger Sparkasse (Haspa) and Volksbank Hamburg. Broad incumbents are Deutsche Bank, ING (ING-DiBa), TARGOBANK and Commerzbank. N26 is listed as an emerging player.
Does Sparkasse Holstein have an API?
No public API is recorded for Sparkasse Holstein.
What industry is Sparkasse Holstein in?
Sparkasse Holstein's product category is Retail Banking. Its primary akta.pro industry code is FSABAKAK, Savings Banks (Public/State-Owned). Its NAICS code is 52218 and its SIC code is 6036.