Sparkasse Regensburg

What Sparkasse Regensburg does

Sparkasse Regensburg is a German public-law savings bank (Anstalt des öffentlichen Rechts) headquartered at Lilienthalstraße 5, 93049 Regensburg, and a member of the nationwide Sparkassen-Finanzgruppe. The institution serves private customers, business customers, young customers, and high-net-worth private banking clients in its designated Regensburg regional service area, offering a full retail and commercial banking suite: three checking-account tiers (Regensburg-Konto online/Plus/Premium), Sparkassen-Card debit and Mastercard Standard/Gold/Visa credit cards, consumer and auto loans (S-Privatkredit, S-Autokredit) processed via S-Kreditpartner GmbH, mortgages and modernization loans (S-Baufinanzierung, S-Modernisierungskredit, KfW-Förderkredite), overdraft facilities, savings and term-deposit products, DekaBank investment funds, S Broker DepotPlus trading, bevestor and SmartVermögen digital wealth management, LBS building society savings, bundled insurance packages, and retirement products. Distribution is hybrid: a regional branch network plus comprehensive digital channels — web-based online banking, the Sparkassen App with Apple Pay integration, video advisor consultations, telephone banking, and the Linda chatbot using Google NLP for intent recognition, secured by device recognition and S-pushTAN mobile authentication.

Revenue is generated through net interest income on the lending book (including 11.69% p.a. authorized and 14.69% p.a. unauthorized overdraft), recurring account and credit-card fees (Mastercard Gold at €7/month), commission income from distributing DekaBank funds and Sparkassen insurance products, transaction-based trading fees from S Broker DepotPlus (from €0.95 per trade), and overdraft interest. As a public-law institution it has no shareholders and is supervised by the European Central Bank and BaFin; it holds insurance intermediary registration D-K5S0-ADP0X-91. The Vorstand comprises Dr. Marc Kirchhoff (Vorstandsvorsitzender), Markus Bayer (stellvertretender Vorstandsvorsitzender), and Manfred Pitzl. Financial results are not publicly disclosed in the manner of a listed company.

Name

Sparkasse Regensburg

Legal name

Sparkasse Regensburg Anstalt des öffentlichen Rechts

Website

https://sparkasse-regensburg.de

Company type

Private

Founded year

1982

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Sparkasse Regensburg is a German public-law savings bank headquartered in Regensburg, Bavaria, providing full-service retail and commercial banking — accounts, lending, investments, insurance, and private banking — to private, business, and young customers across its regional branch network and digital channels.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Depository Credit Intermediation (5221), Real Estate Credit (522292), Consumer Lending (522291), Portfolio Management and Investment Advice (523940)

SIC

Savings Institution, Federally Chartered (6035), Mortgage Bankers & Loan Correspondents (6162), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Balance-Sheet / Portfolio CRE Lending (FSALADAG)

akta.pro secondary industry

Direct Lending — Specialty Finance (Consumer/SME Lending Platforms) (FSAHAJAF)

Keywords

• Retail banking services
• Savings and deposits
• Mortgage financing
• Consumer lending
• Wealth management

Headquarters

HQ city

Regensburg

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Revenue model

1. Interest Income: Interest earned from lending products including mortgage financing, personal loans, auto loans, and modernization loans. Interest margins on deposits and credit facilities.
2. Account and Transaction Fees: Monthly fees for various account models (Girokonto variants), transaction fees, and service charges for account management.
3. Investment Product Distribution: Commission revenue from distributing investment products including Deka funds, ETFs, certificates, Sparkassen securities depot, and asset management services.
4. Insurance Products: Commission income from insurance product sales including home insurance, health insurance, travel insurance, liability insurance, and legal protection insurance.
5. Credit Card Revenue: Monthly fees for credit cards (Mastercard Gold at 7.00 Euro/month), foreign transaction fees (1.75%), and cash withdrawal fees.
6. Overdraft Interest: Interest income from authorized overdraft facilities (Dispositionskredit) at 11.69% p.a. and unauthorized overdraft at 14.69% p.a.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels9 records

Core offering

Sparkasse Regensburg provides full-service retail and commercial banking to private customers, business clients, and high-net-worth individuals in the Regensburg region. Core products include tiered checking accounts (Regensburg-Konto), savings and term deposits, credit cards, consumer loans (S-Privatkredit, S-Autokredit), mortgage financing (S-Baufinanzierung), investment funds via DekaBank, insurance distribution, and retirement planning. Distribution is delivered through a hybrid channel mix of physical branches, online/mobile banking, video advisors, and AI chatbot Linda.

Product overview

Sparkasse Regensburg operates as a full-service public savings bank (Anstalt des öffentlichen Rechts) offering a comprehensive banking and financial services portfolio. The product suite centers on three primary account tiers (Regensburg-Konto in Online, Classic/Komfort variants) with bundled Sparkassen-Card debit solutions. Lending products span consumer credit (S-Privatkredit, S-Autokredit), real estate financing (S-Baufinanzierung), home modernization (S-Modernisierungskredit), and overdraft facilities (Dispositionskredit), with partner S-Kreditpartner handling credit processing. The credit card portfolio includes Mastercard Standard, Mastercard Gold (with travel insurance), and Visa Card options. Savings offerings comprise S-Cash-Conto (daily savings), Sparkassenbuch (traditional passbook), Sparkassenbrief (term deposits), S-Fondsbrief, PS-Sparen lottery-linked savings, and VL-Sparen. Investment services include Sparkassen-Depot integrated with DekaBank funds (Deka-JuniorPlan, Deka-FondsSparPlan, Deka ETFs), S Broker DepotPlus (self-directed trading at 0.95 Euro/trade), SmartVermögen digital wealth management, and bevestor robo-advisory. Insurance products feature bundled packages (S-Privat-Schutz, S-Gesundheitsschutz, S-Immobilienschutz), Kfz coverage, and private health insurance (GesundheitVARIO). Retirement planning includes LBS-Bausparen with state subsidies, Betriebliche Altersversorgung, Rürup/Riesterrente, and Private Rentenversicherung. Digital services encompass Online-Banking with device recognition, App Sparkasse mobile banking with S-pushTAN authentication and Apple Pay integration, Wero instant payments, Finanzplaner digital household book with fixed costs overview, S-Vorteilswelt benefits portal with PAYBACK, and Kontowecker account alerts. Premium services include Private Banking with dedicated advisors and Sparkassen-Finanzkonzept holistic financial advisory.

Differentiator

Problem solved

Functional benefit

Products and services

• Regensburg-Konto (Girokonto)

Segments4 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

AI capability5 records

Feature7 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• S-Kreditpartner GmbHcoreStrategic or Co-development PartnerCentral partner for auto and consumer loans within Sparkassen-Finanzgruppe. Located in Berlin. Handles credit applications, contract management, and disbursement for S-Privatkredit and S-Autokredit products. Provides telephone consultation for customers from Berlin-based call center.
• DekaBankcoreTechnology or IntegrationInvestment partner providing fund products, ETFs, certificates, and asset management services. Offers Deka-JuniorPlan, JuniorDepot, Deka-FondsSparplan, and other investment products through Sparkasse Regensburg.
• PAYBACKcoreGTM or Marketing PartnerLoyalty program partnership allowing Sparkasse cardholders to earn PAYBACK points on transactions. Includes special promotions like football World Cup quizzes with travel voucher prizes up to 5,000 Euro.
• Meta Platforms Ireland LtdminorGTM or Marketing PartnerSocial media partnership for Facebook and Instagram presence. Joint responsibility for Page/Profile Insights analytics under GDPR Art. 26.
• LinkedIn Ireland Unlimited CompanyminorGTM or Marketing PartnerProfessional social network partnership for LinkedIn company page with Page Insights analytics under joint controllership.
• TikTok Technology LimitedminorGTM or Marketing PartnerTikTok platform presence for reaching younger audiences with short-form video content.
• enerix RegensburgminorChannel Partner/ Reseller/ DistributorRegional solar energy specialist partner offering photovoltaic, storage, wallbox, and heat pump installation services. Referenced in modernization loan marketing materials.

Scale indicators3 records

Recent moves6 records

Expansion highlights7 records

Emerging players

• N26: Berlin-based neobank offering mobile-first checking accounts, savings, and increasingly consumer credit. Targets the same younger retail customers Sparkasse Regensburg is trying to retain through its own digital investments.
• ING Germany: Leading direct/digital bank in Germany offering low-fee checking, consumer credit, mortgages, and investment products. Targets the same retail customer base as Sparkasse Regensburg with a fully digital, no-branch model.
• DKB (Deutsche Kreditbank): Major German direct bank with strong digital banking, consumer credit, mortgage, and checking account products. Acts as a digital-first challenger competing for the same retail deposits and consumer lending customers.

Direct peers

• Volksbank Raiffeisenbank Bayern Mitte: Regional cooperative bank in Bavaria operating under the Volksbanken Raiffeisenbanken group, offering very similar community-banking products (accounts, mortgages, consumer loans, investments) to retail and SME customers in Bavaria.
• Stadtsparkasse München: The largest Sparkasse in Bavaria, operating the same public-law savings bank model with comprehensive retail and corporate banking, mortgages, and wealth management in its defined Munich service area.
• Sparkasse Nürnberg: Major Bavarian Sparkasse with identical business model: public-law status, full retail product suite, mortgage lending, consumer credit, investment distribution through DekaBank, and member of Sparkassen-Finanzgruppe.
• Sparkasse KölnBonn: One of Germany's largest Sparkassen with identical product portfolio, group infrastructure (Sparkassen-Finanzgruppe), and public-law status. Comparable across all major product lines including mortgage, consumer credit, and wealth management.

Broad incumbents

• UniCredit Bank (HypoVereinsbank): Major German universal bank with strong Bavarian presence, offering retail, commercial, and corporate banking including mortgages, consumer credit, and wealth management competing with Sparkasse Regensburg across multiple product lines.
• Deutsche Bank: Germany's largest universal bank offering retail, commercial, investment banking, and wealth management at national scale. Overlaps with Sparkasse Regensburg in retail banking, mortgages, and deposits but operates far more broadly.
• Commerzbank: Major German universal bank serving retail (comdirect), commercial, and corporate clients. Directly competes in retail deposits, mortgages, and consumer credit but operates at national scale and broader product scope.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/sparkasseregensburg
• LinkedInlinkedin.com/company/sparkasse-regensburg
• Instagraminstagram.com/sparkasseregensburg
• TikToktiktok.com/@sparkasseregensburg
• Xx.com/SparkasseRgbg

Compliance7 records

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 Sparkasse Regensburg