Kreissparkasse Freudenstadt

What Kreissparkasse Freudenstadt does

Kreissparkasse Freudenstadt is a regional public savings bank (Anstalt des öffentlichen Rechts) headquartered in Freudenstadt, Baden-Württemberg, Germany, owned by the Landkreis Freudenstadt and operating under the Sparkassen-Finanzgruppe umbrella. It provides retail and corporate banking services to individuals, families, businesses, and private banking clients within its statutory district, with no published revenue or headcount disclosures typical of public-sector German savings banks. The bank is supervised by the European Central Bank and BaFin and participates in the Sparkassen-Schlichtungsstelle consumer dispute process.

The product portfolio is built around a core Sparkassen-Girokonto and the Sparkassen-App mobile banking platform, supported by S-pushTAN and chipTAN authentication, Card Control, Multibanking aggregation, and the Elektronisches Postfach digital mailbox. Lending spans S-Privatkredit, Sparkassen-Autokredit, Sparkassen-Baufinanzierung, KfW-Förderkredite, and Dispositionskredit. Investment services are delivered through a DekaBank partnership (Deka-FondsSparplan, DekaBank Depot, ETF-Sparplan, SmartVermögen, Deka-Connect+), building savings via LBS, and retirement and insurance products including BasisRente, Wohn-Riester, VermögensPolice Invest, and S-Versicherungsmanager. Digital infrastructure includes the Chatbot Linda virtual assistant, WhatsApp and Apple Business Chat contact channels, Dynatrace application performance monitoring, and WERO instant payments.

The business model combines net interest income from lending with recurring account fees, transaction-based commissions from DekaBank securities, LBS building savings, insurance distribution, and card interchange. Distribution is omnichannel: physical branches in the Freudenstadt district, online banking, the Sparkassen-App, video advisor chat, telephone banking, WhatsApp, and the AI chatbot. The bank is led by Werner Loser (Vorsitzender des Vorstandes) and Bernd Philippsen (Mitglied des Vorstandes) and was recognized in 2026 by Capital magazine with a 92.6/100 score for its banking app and as a three-year 'BESTE der BESTEN' winner in Private Banking.

Name

Kreissparkasse Freudenstadt

Legal name

Kreissparkasse Freudenstadt

Website

https://ksk-fds.de

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Kreissparkasse Freudenstadt is a German public savings bank serving retail, SMB, and private banking customers in the Landkreis Freudenstadt, offering giro accounts, lending, mortgages, securities via DekaBank, and building savings via LBS through branches and the Sparkassen-App.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

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

SIC

Savings Institutions, Not Federally Chartered (6036)

akta.pro primary industry

Mutual Savings Banks & Mutual Thrifts (FSABAEAD)

Keywords

• Retail banking services
• Savings bank products
• Mortgage lending services
• Wealth management services
• Consumer loan products

Headquarters

HQ city

Freudenstadt

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Traditional banking revenue from interest margins on loans, mortgages, and credit products including Sparkassen-Baufinanzierung, S-Privatkredit, and Sparkassen-Autokredit.
2. Account Management Fees: Monthly account fees for Sparkassen-Girokonto and related account services.
3. Securities and Investment Products: Commission revenue from Deka investment funds, ETF savings plans, bonds, and wealth management services (Private Banking).
4. Insurance Products: Commission income from insurance product distribution including life, property, and liability insurance.
5. LBS-Bausparen Products: Building savings products through LBS partnership with government subsidies for housing savings.
6. Card Transaction Fees: Revenue from credit and debit card transactions including Mastercard and Visa products.

Pricing tiers

Go-to-market motion1 record

Distribution channels7 records

Marketing channels7 records

Core offering

Kreissparkasse Freudenstadt is a German public savings bank (Anstalt des öffentlichen Rechts) offering a comprehensive retail and business banking portfolio centered on the Sparkassen-Girokonto checking account. Its product suite spans credit and debit cards, personal/auto/mortgage loans, savings and term-deposit products, investment funds and ETFs via DekaBank, building savings through LBS, insurance distribution, retirement products, and private banking services. Digital channels (online banking, Sparkassen-App, S-pushTAN, WERO instant payments, chatbot Linda) complement the local branch network.

Product overview

Kreissparkasse Freudenstadt operates as a regional savings bank offering a comprehensive, platform-based banking portfolio. The core product is the Sparkassen-Girokonto (checking account), supported by a mobile ecosystem including the Sparkassen-App for mobile banking and the S-pushTAN-App for transaction authorization. Card products include Sparkassen-Card (debit), multiple credit cards (Mastercard Gold/Standard, Visa Standard, Visa Basis), and card security features like S-ID-Check. The lending portfolio spans S-Privatkredit, Sparkassen-Autokredit, Sparkassen-Baufinanzierung, and KfW-Förderkredite. Savings products include Tagesgeld, Sparkassenbrief, PS-Sparen, and Kündigungsgeld. Investment services are delivered through DekaBank partnership (Deka-FondsSparplan, DekaBank Depot, ETF-Sparplan, Deka-Connect+, SmartVermögen). Retirement solutions encompass BasisRente, Betriebliche Altersvorsorge, Wohn-Riester, and VermögensPolice Invest. Real estate services cover LBS-Bausparvertrag (with youth-focused LBS-Bausparen für junge Leute), Anschluss-Finanzierung, Immobilienfinder, and insurance products through S-Versicherungsmanager. Digital banking enhancements include Online-Banking with Elektronisches Postfach, Kontowecker, Finanzplaner, WERO instant payments, Multibanking, and Chatbot Linda. The ecosystem integrates third-party services including WhatsApp for customer contact, SmartMaps for branch/ATM location, and Dynatrace for performance monitoring.

Differentiator

Problem solved

Functional benefit

Brands

• Deka Investments: Investment products and services offered in partnership with DekaBank, the central securities house of the German Sparkassen-Finanzgruppe.
• LBS-Bausparen
• S-pushTAN-App
• Sparkassen-App

Products and services

• Sparkassen-Girokonto Core checking account product serving as the basis for all banking transactions, available in multiple account models (e.g., Konto4life) with optional benefits programs such as S-Vorteilswelt.
• Sparkassen-Card Debit card bundled with the giro account for cash withdrawals and payments at ATMs and merchants, supporting chipTAN and device recognition authentication.
• Mastercard Gold Premium Mastercard credit card offering worldwide payment flexibility with comprehensive travel and purchase insurance coverage.
• Mastercard Standard Standard Mastercard credit card for everyday in-store, online, and travel payments with worldwide cashless acceptance.
• Visa Karte Standard Visa-branded standard credit card for international payments and ATM withdrawals worldwide.
• Visa Basis (Debitkarte) Prepaid-style Visa debit card with flexible spending controls and worldwide acceptance.
• Online-Banking Browser-based online banking platform with pushTAN and chipTAN authentication, electronic postbox, account management, and statement access.
• Sparkassen-App Mobile banking application for smartphones and tablets providing account access, transfers, card management, and WERO instant payments; widely adopted across Germany.
• S-pushTAN-App Mobile TAN authentication app that generates transaction numbers and approves online banking transactions securely.
• S-Privatkredit Personal loan product for flexible consumer financing needs with instant credit decisions and rapid disbursement.
• Sparkassen-Autokredit Specialized auto loan product for vehicle financing with flexible terms and competitive interest rates.
• Sparkassen-Baufinanzierung Real estate financing product covering construction loans, mortgage financing with KfW state subsidies, and flexible repayment structures.
• Modernisierungskredit Loan product for home modernization and renovation projects offered at favorable interest rates.
• KfW-Förderkredite Government-subsidized KfW loan programs for energy-efficient construction and renovation projects.
• Dispositionskredit Overdraft facility attached to the giro account for short-term liquidity needs.
• Tagesgeld Daily-accessible savings account with variable interest rates for short-term parking of funds.
• Sparkassenbrief Fixed-term savings product offering a guaranteed interest rate over an agreed maturity period.
• PS-Sparen und Gewinnen Combined savings and lottery product where a portion of deposited savings enters regular prize drawings.
• Kündigungsgeld Notice deposit savings product allowing customers to withdraw funds after providing advance notice.
• Deka-FondsSparplan Regular investment savings plan using Deka investment funds with flexible monthly contributions starting from small amounts.
• DekaBank Depot Securities custody account through DekaBank for purchasing and managing investment funds, certificates, and other securities.
• ETF-Sparplan Cost-effective ETF savings plan for diversified index fund investments starting from 25 EUR per month.
• Deka-Connect+ Digital wealth management service combining Deka investment funds with future-themed and sustainable investment options.
• SmartVermögen Digital wealth management offering automated portfolio management and investment recommendations.
• BasisRente Tax-advantaged basic pension insurance product providing retirement savings with state subsidies.
• Betriebliche Altersvorsorge Company pension scheme enabling employees to build retirement savings via salary conversion arrangements.
• Wohn-Riester State-subsidized home ownership pension product combining retirement savings benefits with housing finance advantages.
• VermögensPolice Invest Investment-linked insurance product combining capital protection with investment opportunities.
• IndexGarant Index-linked insurance investment product offering capital growth tied to market indices with guarantees.
• LBS-Bausparvertrag Building savings contract via LBS offering guaranteed interest rates and access to state subsidies for home purchase or construction.
• Anschluss-Finanzierung Follow-up financing for existing construction loans providing forward loans and refinancing options when initial interest rate periods expire.
• WERO Instant mobile payment service for sending and receiving money in under 10 seconds through the Sparkassen-App.
• ErstRecht Rechtsschutzversicherung Legal expense insurance product covering personal legal matters with comprehensive protection.
• Private Banking Wealth management and investment advisory services for high-net-worth individuals, including estate planning, portfolio management, and specialized digital offerings; awarded 'BESTE der BESTEN' 3-year winner (2024-2026).

Quantifiable outcome

• Banking app rated 92.6 out of 100 points with 5-star rating by Capital magazine in 2026
• +1 more outcomes

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature7 records

Partnerships

Three partnerships are on record, tiered core.

• DekaBankcoreTechnology or IntegrationDekaBank is the central securities house of the Sparkassen-Finanzgruppe and one of the largest securities service providers in Germany. Kreissparkasse Freudenstadt offers Deka investment funds, ETF savings plans, certificates, and wealth management products through this partnership. Customers can access DekaBank depot services directly through online banking.
• LBS (Lausitzer Bausparkasse / Building Savings Bank of the Sparkassen)coreStrategic or Co-development PartnerLBS is the building savings provider associated with the Sparkassen financial group. Kreissparkasse Freudenstadt offers LBS building savings products including residential construction loans, Anschluss-Finanzierung (follow-up financing), and government-subsidized housing savings (Wohnungsbauprämie, Arbeitnehmer-Sparzulage, Wohn-Riester).
• Sparkassen-FinanzgruppecoreStrategic or Co-development PartnerNational network of German savings banks providing shared services, ATM access across Germany, and coordinated product offerings. Enables Kreissparkasse Freudenstadt customers to access banking services nationwide.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Sparkasse Karlsruhe: Larger Baden-Württemberg Sparkasse with comparable full-service retail and corporate banking, similar public-law status, and shared use of Sparkassen-App, S-pushTAN, and WERO digital channels.
• Sparkasse Pforzheim Calw: Neighboring German Sparkasse in Baden-Württemberg with a similar regional retail and business banking mandate, identical Sparkassen-Finanzgruppe integration, and comparable product set including Sparkassen-App and Deka investment products.
• Kreissparkasse Böblingen: District-level Sparkasse in Baden-Württemberg operating as an Anstalt des öffentlichen Rechts with a closely matching public-sector structure, giro/loan/wealth product mix, and dependence on group-level digital infrastructure.
• Volksbank Schwarzwald-Neckar: Local cooperative bank (Volksbank) in the same Black Forest/Neckar region competing head-to-head for retail, SMB, and mortgage customers; structurally similar public-mandate mission but organized under the cooperative rather than savings-bank model.
• Sparkasse Schwarzwald-Baar: Adjacent regional Sparkasse in the Black Forest area serving retail and SMB customers with the same Sparkassen-Finanzgruppe product suite, including Baufinanzierung, LBS-Bausparen, and Deka investment offerings.

Broad incumbents

• Stadtsparkasse München: Large city savings bank with deep private banking, real estate finance, and SMB coverage; comparable public-law mandate and shared group infrastructure, offering a useful scale-side peer reference.
• Volksbanken Raiffeisenbanken (DZ Bank Group): Head institution of the cooperative banking sector and direct structural alternative to the Sparkassen-Finanzgruppe; competes for the same regional retail and SMB customers across Germany with a parallel product and digital ecosystem.
• Hamburger Sparkasse (Haspa): Major metropolitan Sparkasse with the broadest retail and private banking footprint in the network; comparable Sparkassen-Finanzgruppe product suite and digital stack, useful as a large-format comparable for product, channel, and margin benchmarks.
• Sparkasse KölnBonn: One of Germany's largest Sparkassen, offering the same Anstalt des öffentlichen Rechts structure and full retail/corporate product range, providing a scale benchmark for product breadth, digital capability, and revenue mix across the Sparkassen network.

Emerging players

• ING Germany: Leading direct/digital bank in Germany competing aggressively for retail giro, brokerage, and mortgage customers; an emerging-channel benchmark that pressures traditional regional savings banks on pricing, UX, and self-service investment products.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCqb41rlVXJOpACATu_sgv0w
• Facebookfacebook.com/kskfds
• Instagraminstagram.com/ksk_freudenstadt

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Freudenstadt