Kreissparkasse Bautzen

What Kreissparkasse Bautzen does

Kreissparkasse Bautzen is a German regional savings bank (Sparkasse) organized as a public law institution (Anstalt des öffentlichen Rechts), serving the Landkreis Bautzen district in Saxony. It operates under a statutory regional banking mandate and is a member of the Sparkassen-Finanzgruppe, the umbrella organization of over 350 German savings banks that provides shared IT infrastructure, product development, risk management, and group-wide deposit protection through the Haftungsverbund. The bank offers a full-stack retail and SME banking product set, including current accounts (Girokonto with multiple tiers), payment cards (Sparkassen-Card debit, Mastercard Standard/Gold), lending (S-Baufinanzierung mortgages, S-Privatkredit, S-Energiekredit, Modernisierungsdarlehen, Dispositionskredit, KfW Förderkredite), savings and investments (S-Festgeld, Sparkassenbrief, S-KombiRendite, VL-Sparen, DekaBank Depot, bevestor, Sparkassen-Anlagegoldkonto), retirement products (RiesterRente, BasisRente, Sparkassen-Generationen-Tresor, LBS-Bausparen), and a packaged insurance shelf (travel, auto, liability, accident, dental supplementary).

The bank's technology stack is sourced primarily through the Sparkassen-Finanzgruppe group platform, including the App Sparkasse mobile application, S-pushTAN authentication, multibanking aggregation, Card Control, 3-D Secure, Apple Pay, and Wero instant payments, supplemented by an AI chat assistant called Linda. Distribution is hybrid: physical branches and personal advisors across the district combined with 24/7 self-service online banking, video consultation (Videoberatung), digital onboarding (Online-Identifizierung), and ATM services. Marketing channels include the corporate website, Facebook, Instagram, email newsletter, multilingual guides in 16 languages, and regional community sponsorship (e.g., the 99 Funken initiative).

Revenue is generated through six streams: net interest income from lending; recurring fees on Girokonto tiers and card products; transaction commissions on DekaBank investment and securities distribution; insurance commissions; LBS Bauspar commissions; and fees from retirement/pension product distribution. Pricing on retail savings and fixed-term products is publicly disclosed (e.g., Sparkassenbrief yields up to 2.40% over 1-10 year terms; S-Festgeld up to 1.40% over 60-180 days), while account fees and loan pricing are negotiated in-branch. As a public law institution, Kreissparkasse Bautzen does not disclose revenue figures and is not listed on any exchange.

Name

Kreissparkasse Bautzen

Legal name

Kreissparkasse Bautzen

Website

https://ksk-bautzen.de

Company type

Private

Founded year

1999

Operating status

Operating

Short description

Kreissparkasse Bautzen is a German public-law regional savings bank serving retail and SME customers in the Landkreis Bautzen district of Saxony, offering full-stack banking — accounts, lending, savings, investments, retirement, and insurance — through branches, digital channels, and the Sparkassen-Finanzgruppe group infrastructure.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Savings Institutions and Other Depository Credit Intermediation (52218), Savings Institutions and Other Depository Credit Intermediation (522180)

SIC

Savings Institutions, Not Federally Chartered (6036)

akta.pro primary industry

Affluent / Mass-Affluent Private Banking (FSABADAC)

akta.pro secondary industry

Tax-Advantaged Investing & Wrappers (ISA, 529, Insurance Bonds, etc.) (FSAAAAAL)

Keywords

• Retail banking services
• Savings accounts
• Consumer lending
• Mortgage financing
• Insurance services

Headquarters

HQ city

Bautzen

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Supply Chain

Revenue model

1. Interest Income: Core banking revenue from lending activities including mortgages (S-Baufinanzierung), personal loans (S-Privatkredit), and credit card lending. Interest margins on deposits and loans form the primary revenue stream.
2. Account and Transaction Fees: Monthly account maintenance fees for various giro account tiers (giro direkt, giro perfekt, giro selekt, giro start, giro ju), transaction fees, and card fees for credit cards and debit cards.
3. Investment Product Distribution: Revenue from distributing investment products including Deka funds, certificates, and managed accounts. Commission income from securities trading and portfolio management services.
4. Insurance Products: Commission revenue from insurance products including travel insurance, private liability, accident, car, dental, and nursing care insurance distributed through the bank.
5. Bauspar Products: Revenue from LBS building savings products including state-subsidized savings (Wohn-Riester) and modernization loans.
6. Pension and Retirement Products: Revenue from Riester pension, company pension schemes (Betriebliche Altersversorgung), and base pension (BasisRente) products.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels6 records

Core offering

Kreissparkasse Bautzen is a regional German savings bank (Sparkasse) providing retail and commercial banking services to individuals and SMEs in the district of Bautzen, Saxony. Its product set spans current accounts (Girokonto with multiple tiers), savings and investment products (Sparkassenbrief, S-Festgeld, DekaBank Depot), lending (S-Baufinanzierung mortgages, S-Privatkredit personal loans, S-Energiekredit, overdrafts), card products (Sparkassen-Card debit, Mastercard credit cards), insurance distribution, and retirement/pension products (RiesterRente, BasisRente). Services are delivered through physical branches, the Internet-Filiale online banking portal, the App Sparkasse mobile application with S-pushTAN authentication, video consultation, and telephone banking.

Product overview

Kreissparkasse Bautzen is a German regional savings bank offering a comprehensive retail banking platform with multiple product lines. The core offering centers on the Girokonto (current account) with variants for different customer segments, complemented by digital banking through Online-Banking and App Sparkasse. The product portfolio includes: card products (Mastercard Gold/Standard, Sparkassen-Card debit cards); credit products (S-Baufinanzierung mortgage, S-Privatkredit personal loan, S-Energiekredit green energy loan, Dispositionskredit overdraft); savings products (S-Festgeld fixed deposit, Sparkassenbrief savings bonds, S-KombiRendite combination product, VL-Sparen, Sparkassen-Anlagegoldkonto gold account, Raisin integration); securities (DekaBank Depot, bevestor digital wealth management, fund products); retirement products (RiesterRente, BasisRente, Sparkassen-Generationen-Tresor, LBS-Bausparen building society savings); insurance products (travel, auto, liability, accident, dental, health, risk protection); and real estate services. Digital services include S-pushTAN authentication, 3-D Secure, Apple Pay, Card Control, Multibanking aggregation, Videoberatung video consultation, and Online-Identifizierung digital onboarding. The bank operates as part of the Sparkassen-Finanzgruppe with access to shared services like DekaBank investment products and LBS building society products.

Differentiator

Problem solved

Functional benefit

Brands

• Sparkassen-Finanzgruppe: The umbrella brand for German savings banks, of which Kreissparkasse Bautzen is a member

Products and services

• Girokonto (Current Account) Primary checking account product available in multiple variants (giro direkt, giro perfekt, giro selekt, giro start, giro ju) with different fee structures targeting students, apprentices, young adults, and standard retail customers. Includes card, online/mobile banking access, and standard payment services.
• Mastercard Gold (Credit Card) Premium credit card with travel benefits, concierge services, and extended purchase protection for retail customers.
• Mastercard Standard (Credit Card) Standard credit card for everyday purchases and international transactions for retail customers.
• Sparkassen-Card (Debit Card) Primary debit card for account access, cash withdrawals at ATMs, and point-of-sale payments.
• S-Baufinanzierung (Mortgage Financing) Real estate financing product for purchasing or constructing residential property, with advisory support and KfW promotional loan distribution options.
• S-Privatkredit (Personal Loan) Personal loan for consumer purchases and debt consolidation offered to retail customers.
• S-Energiekredit (Energy Efficiency Loan) Specialized loan for energy-efficient home improvements and renewable energy installations.
• Modernisierungsdarlehen (Modernization Loan) Loan product for residential modernization and renovation projects.
• Dispositionskredit (Overdraft Facility) Granted overdraft line linked to the giro account providing short-term liquidity for retail customers.
• KfW-Förderkredite (KfW Promotional Loans) Distribution of state-subsidized KfW promotional loans for energy efficiency, education, and home ownership.
• S-Festgeld (Fixed-Term Deposit) Fixed-term deposit product with terms from 60 to 180 days, offering guaranteed fixed interest up to 1.40% per annum; managed online via the Internet-Filiale.
• Sparkassenbrief (Fixed-Rate Savings Bond) Fixed-rate savings bond with terms of 1 to 10 years and a minimum investment of 5,000 EUR, offering guaranteed interest up to 2.40% p.a. depending on amount tier and term.
• S-KombiRendite (Combined Savings and Investment Product) Hybrid product splitting a minimum 20,000 EUR investment 50% into Sparkassenbrief and 50% into investment funds, with a fund subscription fee starting at 3.75% and Sparkassenbrief rates up to 2.60%.
• S-Klassik Sparen digital (Digital Savings Book) Digital savings account with competitive variable interest rates managed through online banking.
• VL-Sparen (Capital-Forming Savings) Government-subsidized savings program for capital-forming payments (vermögenswirksame Leistungen), allocated to Deka investment funds or LBS building society contracts.
• Sparkassen-Anlagegoldkonto (Gold Investment Account) Gold investment account for purchasing and storing physical gold through the bank.
• DekaBank Depot (Securities Custody Account) Securities custody account at DekaBank for managing investment fund shares, certificates, and other securities distributed via the Sparkassen-Finanzgruppe.
• bevestor (Digital Wealth Management) Automated, algorithm-based digital investment advisory and portfolio management service for retail customers.
• S Broker DepotPlus (Brokerage Account) Online brokerage depot for self-directed securities trading offered through the Sparkassen group.
• RiesterRente (Riester Pension) State-subsidized private retirement savings product with tax advantages and government bonus payments distributed through the Sparkassen insurance and investment partners.
• BasisRente (Rürup Basic Pension) Tax-optimized basic retirement provision (Rürup Rente) targeted at self-employed individuals and high earners.
• Sparkassen-Generationen-Tresor (Generational Wealth Transfer) Multi-generational wealth transfer and inheritance planning product for retail customers.
• LBS-Bausparen (Building Society Savings) Building society savings contracts with state promotion (Wohn-Riester option) for home ownership, combining savings plan with favorable financing through LBS.
• Betriebliche Altersversorgung (Company Pension Scheme) Employer-sponsored company pension schemes for employees, distributed through Sparkassen partners.
• Sparkassen-Firmen-Rente (Company Pension Plan) Sparkassen-branded company pension plan offered to businesses for their employees.
• Reiserücktrittsversicherung (Travel Cancellation Insurance) Travel cancellation insurance covering trip interruptions and cancellations, distributed through the bank's insurance partners.
• Sparkassen-Autoversicherung Direkt (Auto Insurance) Vehicle insurance product offered through Sparkasse for comprehensive car coverage.
• Sparkassen-Privat-Haftpflichtversicherung (Personal Liability Insurance) Personal liability insurance protecting against third-party claims for property damage or injury.
• Sparkassen-Unfallversicherung (Accident Insurance) Accident insurance providing financial protection in case of personal injury.
• Zahnzusatzversicherung (Supplementary Dental Insurance) Supplementary dental insurance covering additional dental treatments not included in statutory health insurance.
• PflegePRIVAT Premium (Private Long-Term Care Insurance) Private nursing care insurance offering enhanced protection beyond statutory long-term care coverage.
• Krankentagegeld-Versicherung (Hospital Daily Benefit Insurance) Health insurance supplement providing daily cash benefit during hospital stays.
• App Sparkasse (Mobile Banking App) Official mobile banking application for smartphones and tablets enabling account access, transfers, card management, and S-pushTAN transaction authorization.
• Online-Banking (Internet-Filiale) Web-based banking portal for account management, transfers, standing orders, statements, and product applications, accessible 24/7 with pushTAN and chipTAN security.
• Videoberatung (Video Consultation) Remote video consultation service offering personalized financial advice without visiting a branch.
• Online-Identifizierung (Digital Identification) Digital identification service (VideoIdent or eID) enabling account opening and customer onboarding without branch visits.
• Immobilienvermittlung (Real Estate Brokerage) Real estate brokerage services including property search, sale assistance, and financing coordination for residential and commercial properties.
• Raisin (Fixed-Term Deposit Marketplace Access) Access to fixed-term deposit products from partner banks across Europe through the Raisin platform, expanding deposit options beyond the Sparkasse's own products.
• PS-Lotterie-Sparen (Premium Savings Lottery) Premium savings lottery combining regular savings contributions with monthly prize draws.
• Firmenkunden Banking Services (Commercial Banking) Commercial banking services for SMEs including business giro accounts, commercial lending, cash management, business insurance, and corporate retirement plans, delivered via the dedicated Firmenkunden website portal.

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

Feature9 records

Partnerships

Six partnerships are on record, tiered core and minor.

• DekaBankcoreTechnology or IntegrationDistribution partnership for investment products including Deka funds, certificates, and managed accounts. DekaBank is the capital markets company of the Sparkassen-Finanzgruppe and provides investment product shelf and administration services.
• LBS (Landesbausparkasse)coreTechnology or IntegrationPartnership for building savings products (Bausparen) including state-subsidized Wohn-Riester and VL-Sparen. LBS provides building savings contracts with government bonuses.
• RaisinminorChannel Partner/ Reseller/ DistributorPartnership to offer Festgeld (fixed-term deposits) from other banks through the Raisin platform, expanding deposit options for customers beyond the Sparkasse's own products.
• Sparkassen-FinanzgruppecoreStrategic or Co-development PartnerUmbrella organization providing shared IT infrastructure, product development, risk management, marketing, and deposit protection through the Haftungsverbund. Over 350 savings banks across Germany operate under this group.
• PAYBACKminorGTM or Marketing PartnerLoyalty program partnership integrated with giro accounts, allowing customers to collect PAYBACK points on card transactions and payments.
• KfW (KfW Bankengruppe)coreChannel Partner/ Reseller/ DistributorDistribution of KfW promotional loans (Förderkredite) for energy efficiency, education, and business investment. KfW is Germany's development bank offering subsidized loan programs.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Stadtsparkasse München: Munich's public Sparkasse offering the same retail/banking/investment/insurance/r
• Hamburger Sparkasse (Haspa): Large German public Sparkasse with full retail/SMB banking, Deka/LBS distribution, and digital channels — comparable business model and product depth, though larger by balance sheet.
• Sparkasse Oberlausitz-Niederschlesien: Adjacent Saxon Sparkasse with same public-law status, group affiliations, and universal retail/regional banking offering — direct comparable by mandate and footprint overlap.
• Ostsächsische Sparkasse Dresden: Sister Kreissparkasse also in Saxony offering identical public-mandate retail/regional banking, Sparkassen-Finanzgruppe product shelf, and digital app stack — most directly comparable peer by mandate, geography, and product set.
• Sparkasse Meißen: Regional Saxon Sparkasse offering the same Girokonto-led, multi-product retail/SMB banking suite under the Sparkassen-Finanzgruppe umbrella — directly comparable in size, mandate, and product mix.
• Volksbank Dresden-Bautzen eG: Cooperative bank (Volksbanken Raiffeisenbanken group) operating in the Bautzen region with parallel retail and SMB banking offerings — comparable on customer segments, products, and local competition.

Broad incumbents

• DKB (Deutsche Kreditbank): Direct bank subsidiary of BayernLB offering retail checking, savings, and brokerage at national scale — competing on convenience and pricing with Kreissparkasse's digital channels.
• TARGOBANK: German retail/consumer bank offering checking, savings, consumer credit, and brokerage with strong branch+online presence — competes in the same retail segments with similar cross-sell orientation.
• Postbank (Deutsche Bank Privat- und Firmenkundenbank): Large German universal retail bank offering Girokonto, mortgages, and investments nationwide — competitive incumbent with similar mass-market retail focus.
• ING-DiBa (ING Deutschland): Germany's largest direct bank with strong retail Girokonto, savings, and brokerage offerings; competes for the same mass-market retail customer through a digital-only model within Kreissparkasse's catchment.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/ksk.bautzen
• Instagraminstagram.com/kreissparkasse.bautzen
• LinkedInlinkedin.com/company/kreissparkasse-bautzen

Revenue estimate

Valuation estimate

Number of profiles

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 Bautzen