Kreissparkasse Waiblingen

What Kreissparkasse Waiblingen does

Kreissparkasse Waiblingen is a German public-law savings bank (Anstalt des öffentlichen Rechts) founded in 1880 and headquartered in Waiblingen, Baden-Württemberg. It serves the Rems-Murr-Kreis district as part of the Sparkassen-Finanzgruppe, the publicly mandated savings bank network. Its mandate covers three explicit customer segments: private customers (Privatkunden), corporate/business clients (Firmenkunden), and young customers (children, students, and trainees). The institution operates under a three-person Vorstand comprising Chairman Uwe Burkert, Olaf Kordian, and Daniela Schreiber.

The product portfolio is a full-service retail and commercial banking suite: current and savings accounts, consumer and mortgage lending, credit cards (Girocard, Mastercard, Visa), securities and investment fund distribution, insurance brokerage, and payment services. Its technology footprint centers on the App Sparkasse — rated Germany's best banking app by Capital magazine — supplemented by online banking, Apple Pay, Google Pay, and the European Wero digital wallet. The bank extends its offering through affiliated group partners including Deka (investment funds), LBS Südwest (Bausparkasse), SV SparkassenVersicherung and UKV (insurance), and PAYBACK (loyalty rewards), creating an integrated financial-services bundle under the Sparkassen brand.

Revenue mechanics follow the standard German Sparkassen model: net interest income from deposit-taking and lending, plus fee and commission income from payments, securities, asset management (routed via Deka), and insurance brokerage. Pricing is structured through tiered private-customer packages (e.g., Komfort, Premium, Exclusive) and separate corporate pricing. As an Anstalt des öffentlichen Rechts, the bank does not publish audited financial statements and has no external shareholders; ownership and guarantor liability sit with the district-level public-sector bodies, which constrains transparency for external investors but reinforces its structural stability and reinvestment orientation.

Name

Kreissparkasse Waiblingen

Legal name

Kreissparkasse Waiblingen

Website

https://kskwn.de

Company type

Private

Founded year

1880

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Kreissparkasse Waiblingen is a German public-law savings bank founded in 1880, serving retail, corporate, and youth customers in the Rems-Murr-Kreis district of Baden-Württemberg with full-service banking, a Capital-awarded mobile app, and integrated insurance and investment products.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Savings Institutions and Other Depository Credit Intermediation (52218), Depository Credit Intermediation (5221)

SIC

Savings Institutions, Not Federally Chartered (6036), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

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

Keywords

• Retail banking services
• Consumer lending
• Savings accounts
• Wealth management
• Insurance brokerage

Headquarters

HQ city

Waiblingen

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

Revenue model

1. Net Interest Income: Core banking revenue from the spread between interest earned on loans (mortgages, consumer credit, business loans) and interest paid on customer deposits (savings accounts, current accounts, term deposits). Kreissparkasse Waiblingen offers S-Baufinanzierung (mortgage), S-Autokredit (auto loan), S-Privatkredit (personal loan), Dispositionskredit (overdraft), and forward loans.
2. Account and Card Fees: Monthly account maintenance fees (Girokonto models: GiroClassic, GiroFlat), credit card fees (Mastercard Standard, Mastercard Gold), and debit card (Sparkassen-Card) fees. pushTAN is free; chipTAN costs €19.90 one-time for the TAN generator.
3. Insurance Commission Revenue: Commission income from bundling and distributing insurance products through the Sparkassen channel, including property & casualty (Hausrat, Kfz, Haftpflicht, Rechtsschutz), health supplements (Krankenhaus-Zusatzversicherung, Zahnzusatzversicherung), life & disability (Risikoversicherung, Berufsunfähigkeitsversicherung), travel insurance, and specialized products (E-BikeSchutz, SV InternetSchutz, Sparkassen-KontoSchutz). Products are underwritten by SV SparkassenVersicherung, UKV (Union Krankenversicherung), and other insurers.
4. Securities and Investment Products: Revenue from brokerage commissions, management fees, and product distribution fees related to Sparkassen-Depot (securities custody), S-Neo self-directed investing (ETF, funds, stocks), Deka fund products, Deka-Vermögensverwaltung Premium, RM Vermögensstrategie ESG, Sparpläne (equity/fund/ETF savings plans), and the S-Invest App.
5. Building Society and Savings Products: Revenue from LBS-Bausparen (building society savings) products with state subsidies (Wohnungsbau-Prämie, VL-Sparen), Sparkassenbrief (fixed-term savings letters), S-Festgeld (fixed deposits), Sparbuch Digital (digital savings book), Geldmarktkonto (money market account), PS-Sparen und Gewinnen (lottery-linked savings), and ZinsPlus products.
6. Account Protection Insurance Premiums: Sparkassen-KontoSchutz is a credit protection insurance attached to the overdraft facility (Dispositionskredit). Premium is only charged when the overdraft is actually used, making it a usage-based insurance product covering job loss, disability, serious illness, or death.
7. Protection Brief Products: SV SparkassenVersicherung's protection brief products (Schutzbrief SorglosWohnen) provide home emergency services (plumber, locksmith, heating, pest control) and optional BeitragsSchutz (premium waiver during disability/unemployment). Revenue shared between SV and the distributing sparkasse.

Pricing tiers

Go-to-market motion1 record

Distribution channels7 records

Marketing channels8 records

Core offering

Kreissparkasse Waiblingen is a German public-law savings bank (Anstalt des öffentlichen Rechts) serving the Rems-Murr-Kreis district in Baden-Württemberg. It offers retail and business banking products including current accounts (Girokonto), debit and credit cards (Sparkassen-Card, Mastercard Standard/Gold), consumer and mortgage loans (S-Privatkredit, S-Autokredit, S-Baufinanzierung), savings and investment products (Sparkassenbrief, Sparbuch Digital, S-Neo Depot), insurance (health, liability, account protection, home emergency), real estate services, and digital payment services (Wero, Apple Pay, Google Pay) distributed through branches, online banking, and the App Sparkasse mobile application.

Product overview

Kreissparkasse Waiblingen operates as a regional savings bank offering a unified banking platform with integrated digital services. The core offering centers on Online-Banking (Internet-Filiale) accessible via web browser, App Sparkasse mobile app, and S-pushTAN-App for authentication. The product portfolio includes multiple account products (GiroFlat, GiroClassic for different customer segments), debit/credit cards (Sparkassen-Card, Mastercard Standard/Gold), and loan products (S-Baufinanzierung, S-Autokredit, S-Privatkredit). Savings offerings comprise Sparkassenbrief Digital, Sparbuch Digital, and LBS-Bausparen. Investment services include S-Neo (digital self-directed depot) and traditional Sparkassen-Depot with Deka funds. Insurance products span health (S-Gesundheits-Schutz via UKV), liability (Private Haftpflichtversicherung), home protection (Schutzbrief SorglosWohnen via SV), and account protection. Digital innovations include Wero instant payments, Apple Pay integration, Card Control, multibanking, and Chatbot Linda. The architecture follows a platform-plus-modules approach where the core banking platform connects to specialized product modules (investments, insurance, real estate) through the App Sparkasse and online banking interface.

Differentiator

Problem solved

Functional benefit

Brands

• App Sparkasse: Mobile banking application for customers to manage accounts, make transfers, and access banking services
• S-pushTAN-App
• S-Neo
• Wero
• Sparkassen-KontoSchutz
• Schutzbrief SorglosWohnen
• S-Gesundheits-Schutz

Products and services

• Online-Banking Digital banking platform enabling account management, transfers, and financial services via web browser and mobile apps; supports pushTAN and chipTAN authentication methods for retail and business customers.
• Girokonto (GiroFlat, GiroClassic) Current account products with variants for different customer segments: GiroFlat (standard), GiroClassic (online-focused), GiroFlat 18-25 (young adults), mein Girokonto 0-18 (children/youth).
• Sparkassen-Card Debit card with PAYBACK integration; enables contactless payments, cash withdrawals, and card management features via App Sparkasse.
• Mastercard Standard/Gold Credit card products offering worldwide payment flexibility with travel insurance (Gold) and purchase protection; supports 3-D Secure for online transactions.
• S-Baufinanzierung Construction and real estate financing product; includes forward loans and interest rate agreements for refinancing residential properties.
• S-Autokredit Vehicle financing loan offering competitive interest rates for car purchases by retail customers.
• S-Privatkredit Personal loan for flexible financing needs; includes S-Privatkredit Plus variant for retail customers.
• Sparkassenbrief Digital Digital savings bond offering secure fixed-term savings with flexible maturity options (1-10 years); minimum investment €1,000.
• Sparbuch Digital Digital savings book with flexible access and competitive interest rates for retail savers.
• S-Neo Depot Digital self-directed securities depot for ETF, fund, and stock investments; accessible via App Sparkasse; targets self-directed investors.
• Sparkassen-Depot Traditional securities depot for managed and advisory investment services; includes Wiederanlagemanagement and Deka fund products.
• LBS-Bausparen Building society savings with state subsidies (Wohnungsbau-Prämie, vermögenswirksame Leistungen); supports home financing and modernization.
• Risikoversicherung Risk insurance products for life, disability, and unemployment protection distributed through SV SparkassenVersicherung.
• S-Gesundheits-Schutz Supplementary health insurance complementing statutory health insurance; includes dental, ambulatory, hospital, and natural medicine coverage via UKV.
• Private Haftpflichtversicherung Private liability insurance with three tariff tiers (Top: €75M, Komfort: €30M, Basis: €10M); covers persons, property, and financial damages.
• Schutzbrief SorglosWohnen Home emergency protection service via SV SparkassenVersicherung; 24/7 assistance for locksmith, plumbing, electrical, heating issues.
• Sparkassen-KontoSchutz Overdraft protection insurance covering life, disability, unemployment, or serious illness; only charges when credit line is used.
• Immobilien Services Real estate services including S-ImmoPreisfinder valuation, building, selling, modernizing, and financing support; Cockpit Immobilie dashboard.
• App Sparkasse Mobile banking app for iOS/Android; supports account management, transfers, Wero payments, photo transfers, multibanking, card control; awarded best German banking app by Capital magazine.
• S-pushTAN-App Mobile authentication app for authorizing online banking and card transactions; supports multilingual interface and 3-D Secure payment authorization.
• Wero European instant payment standard; enables real-time money transfers in under 10 seconds; integrated in App Sparkasse; available for online shop payments.

Quantifiable outcome

• App Sparkasse awarded best banking app in Germany by Capital magazine (multiple recognitions)
• +1 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration14 records

AI capability4 records

Feature6 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Deka (DekaBank Deutsche Girozentrale)coreTechnology or IntegrationDeka is the largest German fund provider and asset manager, fully owned by the German Sparkassen-Finanzgruppe. Kreissparkasse Waiblingen distributes Deka investment products including Deka-Connect+, Deka-Vermögensverwaltung Premium, and Deka funds through its securities platform (Sparkassen-Depot). Deka provides the investment management, fund administration, and custody infrastructure underlying the bank's wealth management offerings.
• LBS Südwest (Landesbausparkasse)coreStrategic or Co-development PartnerLBS Südwest is the state building society savings provider for Baden-Württemberg. Kreissparkasse Waiblingen offers LBS-Bausparen products including government-subsidized home savings (Wohnungsbau-Prämie), VL-Sparen (capital formation with employer/employee contributions), and LBS modernization loans. LBS provides the building society savings account infrastructure and loan products.
• SV SparkassenVersicherungcoreChannel Partner/ Reseller/ DistributorSV SparkassenVersicherung is the insurance company of the Sparkassen-Finanzgruppe. Kreissparkasse Waiblingen distributes SV insurance products as a bound insurance agent (Gebundener Versicherungsvertreter) under §34d GewO. Products include: private Haftpflichtversicherung (liability), Kfz-Versicherung, Hausratversicherung, Wohngebäudeversicherung, Berufsunfähigkeitsversicherung, Risikoversicherung, Rechtsschutz, Unfallversicherung, NaturPRIVAT, PflegePRIVAT, and protection brief products (Schutzbrief SorglosWohnen, SV Alltagsmanager). SV underwrites these policies and shares commission revenue with the distributing sparkasse.
• UKV - Union Krankenversicherung AGcoreChannel Partner/ Reseller/ DistributorUKV is a health insurer also within the Sparkassen-Finanzgruppe ecosystem. Kreissparkasse Waiblingen distributes UKV health insurance products including S-Gesundheits-Schutz (supplementary health), Zahnzusatzversicherung (dental), Krankenhaus-Zusatzversicherung (hospital), Krankentagegeld, and VorsorgePRIVAT. The S-Gesundheits-Schutz umbrella covers ZahnPRIVAT, NaturPRIVAT (alternative medicine), KlinikPRIVAT (hospital), and Ambulante Zusatzversicherung. UKV underwrites and provides the insurance products.
• PAYBACKminorGTM or Marketing PartnerPAYBACK is Germany's largest loyalty program with over 35 million members. Kreissparkasse Waiblingen has partnered with PAYBACK to offer customers the ability to link their Sparkassen-Card (debit card) to earn PAYBACK points on everyday purchases. The partnership includes joint promotional campaigns such as the WM 2026 (World Cup 2026) tip game with prizes of up to €5,000 in travel vouchers.
• Wero (European Payments Initiative)coreTechnology or IntegrationWero is the European real-time payment standard initiated by the European Payments Initiative (EPI), in which the German Sparkassen-Finanzgruppe is a founding member. Kreissparkasse Waiblingen offers Wero through its App Sparkasse, enabling instant money transfers in under 10 seconds at European standards. Wero is also being rolled out across online merchants.

Scale indicators1 record

Recent moves6 records

Expansion highlights4 records

Direct peers

• Kreissparkasse Böblingen: Another adjacent Baden-Württemberg district Sparkasse operating with the same product portfolio, Anstalt des öffentlichen Rechts status, and Sparkassen-Finanzgruppe integration. Highly comparable in scale and customer mix.
• Sparkasse Pforzheim Calw: Regional Sparkasse in Baden-Württemberg serving the Pforzheim-Enzkreis area. Same institutional structure, retail/SME banking focus, and shared Sparkassen digital infrastructure as Kreissparkasse Waiblingen.
• Kreissparkasse Ludwigsburg: Adjacent district-level Sparkasse in the Ludwigsburg region of Baden-Württemberg with the same public-law structure, retail/SME focus, and Sparkassen-Finanzgruppe membership. Closest geographic and operational comparable to Kreissparkasse Waiblingen.
• Sparkasse Stuttgart: Major urban Sparkasse in Stuttgart, Baden-Württemberg. Same Anstalt des öffentlichen Rechts structure and product breadth, but with a larger urban franchise and broader corporate banking book — closest large-scale operational comparable.
• Kreissparkasse Esslingen-Nürtingen: Regional Sparkasse serving neighboring Esslingen district in Baden-Württemberg. Same business model (deposits, lending, insurance and securities distribution, public-law institution) and similar district-scale footprint.

Broad incumbents

• Volksbanken Raiffeisenbanken (BVR): Parallel cooperative banking network in Germany with overlapping retail and SME banking mandate. While ownership structure (cooperative vs. public-law) differs, BVR member banks compete head-to-head with Sparkassen in the same regional markets.
• BW-Bank (Landesbank Baden-Württemberg): State Landesbank of Baden-Württemberg with retail and corporate banking operations in the same geography. Broader scope including wholesale and capital markets, but overlaps directly in retail and SME lending within the region.
• Sparkassen-Finanzgruppe (S-Finanzgruppe): National umbrella organization of all German Sparkassen. Kreissparkasse Waiblingen is a member, and the S-Finanzgruppe coordinates IT, brand, and product platforms — represents the broader competitive context in which the bank operates.

Emerging players

• DKB (Deutsche Kreditbank): Major online bank in Germany with retail checking, brokerage, and consumer lending offerings. Competes for the same retail wallet share, particularly among digitally native customers seeking low-fee alternatives to traditional branch banks.
• ING-DiBa: Germany's largest direct bank with strong digital presence, competing directly for retail deposits, brokerage (brokerage via ING-DiBa), and consumer credit. Direct competitor for digitally active Sparkasse customers, especially in the YoungProfessionals segment.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xtwitter.com/kskwn
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• Facebookfacebook.com/kskwn
• LinkedInlinkedin.com/company/kreissparkassewaiblingen
• Instagraminstagram.com/kreissparkasse_waiblingen

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Waiblingen