Kreissparkasse Borde
Kreissparkasse Börde is a regional German savings bank founded in 1840, headquartered in Oschersleben, providing retail and corporate banking services—including accounts, loans, insurance, and investments—to customers in Landkreis Börde, Sachsen-Anhalt, through branches and digital channels.
- Company typePrivate
- Founded1840
- HeadquartersOschersleben, Germany
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Kreissparkasse Borde does
Kreissparkasse Börde is a regional German savings bank headquartered in Oschersleben, Sachsen-Anhalt, operating as a public law institution (Anstalt des öffentlichen Rechts) since 1840. It serves retail customers, corporate clients, and youth segments across Landkreis Börde with a full-service banking platform spanning giro accounts (Börde Online through Börde Exklusiv plus GIRO Young), credit cards (Visa/Mastercard), lending products (mortgages, personal loans, energy loans, auto loans, overdrafts), savings instruments (Tagesgeld, Festgeld), securities custody, building savings via LBS, and insurance distribution through ÖSA and ÖRAG partnerships. The bank operates an omni-channel model combining physical branches, a customer service center, online banking, the App Sparkasse, and Chatbot Linda for digital assistance.
The bank's technology stack leverages shared Sparkassen-Finanzgruppe infrastructure coordinated by DSGV, including the App Sparkasse, S-pushTAN authentication, Apple Pay and Android mobile payment integration, and the Wero European instant payment standard. Core systems support Online-Banking, electronic document mailbox, and card control features, with performance monitoring via Dynatrace and branch location services via YellowMap SmartMaps. The bank processes digital marketing analytics through Google Analytics, Google Ads, intelliAd, and Adform, operating under GDPR-compliant data handling with a documented data protection officer.
The business model is multi-stream: interest income from lending activities (mortgages, personal/auto/energy loans, overdraft), account and transaction fees from giro packages and card usage, commission revenue from insurance and investment product distribution via partner institutions (DekaBank, ÖSA, ÖRAG, LBS), and securities brokerage (S Broker DepotPlus, SmartVermögen). Core banking services are free of charge, with monetization driven by credit products, premium account tiers, premium credit cards (Mastercard Gold at €80/year), and partner-commissioned insurance and investment sales. Supervision is conducted by the European Central Bank and BaFin, with participation in the German deposit protection scheme and Sparkassen dispute resolution framework.
Kreissparkasse Borde firmographics
Firmographics- Name
- Kreissparkasse Borde
- Legal name
- Kreissparkasse Börde
- Website
- https://ksk-boerde.de
- Company type
- Private
- Founded year
- 1840
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Kreissparkasse Börde is a regional German savings bank founded in 1840, headquartered in Oschersleben, providing retail and corporate banking services—including accounts, loans, insurance, and investments—to customers in Landkreis Börde, Sachsen-Anhalt, through branches and digital channels.
- Ownership category
- akta.pro rank
Kreissparkasse Borde 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)
- akta.pro secondary industry
- Embedded Deposit Accounts & Digital Wallet Infrastructure (FSAGALAE)
Keywords
Where Kreissparkasse Borde is headquartered
LocationHeadquarters
- HQ city
- Oschersleben
- HQ country
- Germany
- HQ region
- Europe
Offices2 records
Markets served
Kreissparkasse Borde 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: Primary revenue stream from lending activities including mortgages (S-Baufinanzierung), personal loans (Sparkassen-Privatkredit), energy loans (S-Energiekredit), auto loans (S-Autokredit), and overdraft facilities (S-Dispositionskredit). Interest margins generated through spread between lending and deposit rates.
- Account & Transaction Fees: Fees from giro account management including various account packages (Börde Online, Börde Komfort, Börde Klassik, Börde Exklusiv), credit card transactions (Visa, Mastercard), and ATM withdrawals.
- Insurance Commission Revenue: Commission income from insurance product sales including ÖSA insurance products (life, property, liability, vehicle), ÖRAG legal protection insurance, and health/supplementary insurance products.
- Securities & Investment Products: Revenue from securities custody (Sparkassen-Depot), DekaBank investment funds, and brokerage services (S Broker DepotPlus). Includes fund management fees and transaction commissions.
- Building Savings Products: Revenue from LBS-Bausparen (building savings) products including state-subsidized savings plans, home construction loans, and modernization financing.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Girokonto packages ranging from basic online to premium exclusive accounts |
| Subscription | Annual | Mastercard Gold annual fee |
| Usage-based | Monthly | S-Dispositionskredit (overdraft facility) |
| Subscription | Monthly | S-Energiekredit for sustainable modernization |
| Usage-based | Monthly | S-Klick Plus credit line |
| Subscription | Monthly | Online banking and pushTAN |
| Subscription | Monthly | Mobile payment services |
Go-to-market motion1 record
Distribution channels6 records
Marketing channels7 records
Kreissparkasse Borde product offering
Product offeringCore offering
Kreissparkasse Börde is a regional German savings bank that provides retail and corporate customers with checking and savings accounts, debit and credit cards, consumer and mortgage lending, securities and investment products, and insurance brokerage. Services are delivered through physical branches, online banking (Internet-Filiale), the App Sparkasse, a customer service center, and the Chatbot Linda digital assistant. The bank operates under a public-law mandate and is part of the Sparkassen-Finanzgruppe network with shared IT and brand infrastructure.
Product overview
Kreissparkasse Börde operates as a regional savings bank (Sparkasse) offering a comprehensive financial services platform. The core product portfolio centers on Girokonto (checking accounts) with variants for different customer segments including specialized GIRO Young accounts for young customers. The bank provides digital banking through Online-Banking and the App Sparkasse with secure authentication via S-pushTAN-App and chipTAN. Card products include Sparkassen-Card debit cards integrated with Apple Pay and Mobiles Bezahlen for Android, plus credit cards (Mastercard Gold, Visa Gold) with travel insurance packages. Lending products span S-Baufinanzierung (mortgages), S-Energiekredit (energy loans), Sparkassen-Privatkredit (personal loans), S-Autokredit (auto loans), and S-Dispositionskredit (overdraft). Savings products include Tagesgeld, S-Festgeld, LBS-Bausparen, and investment services through S Broker DepotPlus, SmartVermögen, and Deka Investments. Insurance products are offered through ÖSA partnerships including legal protection (Bauherren-Rechtsschutz, Rundum-Schutz PLUS), vehicle insurance, and family protection. Digital tools include Chatbot Linda for customer support, Cockpit Immobilie for property management, and Wero for instant European payments.
Differentiator
Problem solved
Functional benefit
Brands
- Börde Online: Online banking account product
- Börde Komfort
- Börde Klassik
- Börde Exklusiv
- GIRO Young
- S-Energiekredit
- S-Klick Plus
- SmartVermögen
- Linda
Products and services
- Girokonto (Börde Online / Komfort / Klassik / Exklusiv) Core checking-account product offered as tiered packages (basic online through premium exclusive) with varying fees, card services, and advisory features for retail customers.
- GIRO Young Specialized checking account with discounted account-management fees targeted at children, apprentices, students, and young professionals entering the financial system.
- Online-Banking (Internet-Filiale) Digital self-service banking platform accessible via web browser providing account management, transfers, product applications, and document access with secure authentication methods.
- App Sparkasse Mobile banking application for account access, transfers, card management, contactless payments (Apple Pay and Android), brokerage, and Wero instant payments.
- Sparkassen-Card (Debit) Debit card enabling cash withdrawals, contactless in-store payments, and integration with Apple Pay and Mobiles Bezahlen for Android.
- Mastercard Gold (Credit) Premium credit card with comprehensive travel insurance package including foreign health insurance, travel cancellation, and roadside assistance; annual fee 80.00 EUR.
- Visa Gold (Credit) Premium credit card offering travel protection and worldwide payment flexibility for retail customers.
- Sparkassen-Privatkredit Personal loan product for financing various purposes including travel, furniture, or other personal expenses with flexible repayment terms.
- Kreditoptimierung Loan consolidation service combining multiple existing loans into a single monthly payment with potentially lower interest rates.
- S-Dispositionskredit (Overdraft) Arranged overdraft facility allowing customers to overdraw their account up to an agreed limit, with interest charged only on the utilized amount at 8.65% p.a.
- S-Klick Plus Flexible credit line providing a personal financial reserve on demand, ranging 2,500–50,000 EUR, with 8.73% effective annual interest and 50.00 EUR or 2% minimum monthly repayment.
- KfW-Studienkredit Government-supported student loan administered through KfW bank, offering 100–650 EUR monthly payments for living expenses during studies.
- S-Energiekredit Specialized loan for energy-efficient modernization of residential properties (solar panels, insulation, windows, heating) with loan amounts of 10,000–85,000 EUR and terms of 12–180 months from 4.79% effective annual rate.
- S-Baufinanzierung Mortgage financing product for purchasing or constructing residential property with flexible terms and personal advisory support.
- S-Autokredit Specialized vehicle financing loan for purchasing new or used automobiles.
- Tagesgeld (Daily Savings) Daily-access savings account with variable interest rates and immediate access to funds.
- S-Festgeld (Term Deposit) Fixed-term deposit product offering guaranteed interest rates for the agreed investment period.
- LBS-Bausparen Building society savings product with government housing subsidies for home ownership, including state housing premiums and vermögenswirksame Leistungen.
- Sparkassen-Depot (Securities Custody) Securities custody account for holding and managing investments including stocks, bonds, and funds.
- S Broker DepotPlus Online brokerage service for self-directed investing with trading fees starting at 0.95 EUR.
- SmartVermögen (Digital Wealth Management) Digital wealth management service providing simple, personal, and digital investment management for retail customers.
- Deka Investments (Funds & Certificates) Investment fund and certificate products offered in partnership with DekaBank, including equity funds, bond funds, mixed funds, and sustainable investment options.
- Sparkassen-Altersvorsorge (Retirement Planning) Retirement planning products including Sparkassen-BasisRente (basic pension), occupational pension schemes, and strategic retirement planning.
- Rechtsschutzversicherung (Legal Protection Insurance) Legal expense insurance covering private, traffic, home, and occupational legal matters, distributed via ÖRAG partnership.
- ÖSA Kfz-Versicherung (Vehicle Insurance) Motor vehicle insurance offered through the ÖSA (Öffentliche Versicherung Sachsen-Anhalt) partnership for comprehensive vehicle coverage.
- Rundum-Schutz PLUS (Comprehensive Legal Protection) Comprehensive legal protection plus package covering private, traffic, home, and occupational legal matters, with telephone legal consultation and additional cover for uninsured private matters.
- Immobilien (Real Estate Services) Real estate services including property search portal, property valuation via S-ImmoPreisfinder, buying, selling, and financing guidance.
- Wero (European Instant Payment) European instant payment service enabling real-time money transfers via the Sparkasse app for peer-to-peer payments and online shop checkouts following European payment standards.
- Card Control Card management feature allowing customers to activate or deactivate POS transactions, ATM withdrawals, online payments, and set geographic restrictions.
- Sparkassen-Card Plus (Debit with Credit Line) Debit card with built-in credit line providing an on-demand financial reserve, positioned as an alternative to an overdraft with favorable interest rates.
Companies that use Kreissparkasse Borde
Customer profileSegments4 records
Ideal customer profiles2 records
Kreissparkasse Borde technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration13 records
AI capability5 records
Feature6 records
Kreissparkasse Borde partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered core and minor.
- DekaBankcoreStrategic partnership for securities and investment products. Kreissparkasse Börde offers DekaBank investment funds, certificates, and depot services. Provides access to Deka investment fund savings plans (Deka-FondsSparplan), mixed funds, equity funds, and bond funds.
- ÖRAG Rechtsschutzversicherungs-AGcoreInsurance partner for legal protection insurance products. ÖRAG provides the legal protection insurance offerings including Rundum-Schutz, Rundum-Schutz PLUS, and Bauherren-Rechtsschutz sold through Kreissparkasse Börde.
- ÖSA (Öffentliche Versicherung Sachsen-Anhalt)coreRegional insurance partner for ÖSA insurance products including property insurance (ÖSA WohngebäudeSchutz), liability (ÖSA Privathaftpflicht), vehicle (ÖSA Kfz-Versicherung), accident (ÖSA UnfallSchutz), bicycle (ÖSA Fahrradversicherung), income protection (ÖSA Einkommenssicherung), funeral (ÖSA Sterbegeldversicherung), and fund-based pension (ÖSA FondsRente).
- LBS (Landesbausparkasse) NordostcoreBuilding savings partner for LBS-Bausparen products including state-subsidized building savings, home construction loans, and modernization financing. Energy consulting services provided through LBS Nordost network.
- KfW (Kreditanstalt für Wiederaufbau)coreFederal development bank offering subsidized loans. Kreissparkasse Börde facilitates KfW-Studienkredit (student loans) and KfW-Förderkredite (energy efficiency/federal promotional loans) through the Sparkasse.
- PAYBACKminorLoyalty program partnership allowing Sparkassen-Card holders to earn PAYBACK points on transactions. Partnership includes special promotions like PAYBACK points for opening accounts or card linkages.
- Google Ireland LtdcoreTechnology partner for web analytics (Google Analytics), online advertising (Google Ads), and AI services for chatbot intent recognition. Chatbot Linda uses Google for NLP processing of customer queries.
- ApplecoreApple Pay integration allowing customers to pay with Sparkassen cards via Apple Wallet on iPhone and Apple Watch. Supports contactless payment and in-app purchases.
- Sparkassen-Finanzgruppe / DSGVcoreMembership in the German Savings Bank Association (Deutscher Sparkassen- und Giroverband). Provides shared IT infrastructure, brand association, product frameworks, and coordinated marketing campaigns for all Sparkassen.
Scale indicators3 records
Recent moves6 records
Expansion highlights5 records
Kreissparkasse Borde competitors and assessment
Company assessmentDirect peers
- Sparkasse Nürnberg: Bavarian public savings bank distributing the same S-prefixed banking products, LBS-Bausparen, DekaBank investments, and ÖSA-style insurance partnerships via identical Sparkassen-Finanzgruppe technology stack.
- Hamburger Sparkasse (Haspa): Hamburg's regional Sparkasse providing the comprehensive retail and corporate banking services, insurance distribution, and digital banking tools through the Sparkassen-Finanzgruppe that Kreissparkasse Börde offers in the Börde district.
- Stadtsparkasse München: Munich's municipal savings bank offering an identical Sparkassen product portfolio (giro accounts, mortgages, insurance, investment funds, digital banking via App Sparkasse) under the same public-law savings bank model that Kreissparkasse Börde operates.
- Sparkasse Berlin: Berlin's public savings bank operating with the same Anstalt des öffentlichen Rechts structure, Sparkassen product suite (S-Baufinanzierung, ÖSA/VL insurance, Deka investments, App Sparkasse), and ECB/BaFin regulatory regime.
- Sparkasse KölnBonn: Large German public savings bank (Sparkasse) operating under the same Anstalt des öffentlichen Rechts legal form, providing the same giro account, lending, insurance, and digital banking product structure via shared Sparkassen-Finanzgruppe infrastructure as Kreissparkasse Börde.
- Kreissparkasse München: Another 'Kreissparkasse' by naming convention, this Bavarian district savings bank operates the same regional public-mandate banking model, product portfolio, and Sparkassen-Finanzgruppe infrastructure as Kreissparkasse Börde.
- Volksbank Börde-Bernburg-Heiligenstadt: Cooperative bank (Volksbank) operating in the same Sachsen-Anhalt region with comparable retail and SME banking products, providing a direct competitive peer within Kreissparkasse Börde's local catchment area.
Broad incumbents
- DZ Bank: Central institution of the German cooperative banking sector and a wholesale bank to Volksbanken/Raiffeisenbanken; serves as the parallel umbrella organization to DSGV for Sparkassen, providing shared IT, product, and treasury infrastructure at a national scale.
- Deutsche Bank: Germany's largest private commercial bank offering the full suite of retail checking, mortgage, and investment services that Kreissparkasse Börde provides—competing for the same Börde district retail and corporate customers at a national scale.
Regional players
- Volksbank in Südwestfalen: Mid-size German cooperative regional bank operating with the same member-owned structure and similar retail/SME lending focus, illustrating the Volksbank parallel to the Sparkassen model that competes for the same segments in regional Germany.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
Kreissparkasse Borde social profiles
Digital presenceKreissparkasse Borde compliance and trust
Trust signalCompliance2 records
Kreissparkasse Borde financial estimates
Financial estimateRevenue estimate
Valuation estimate
Kreissparkasse Borde leadership team
Management profileNumber of profiles
Profiles3 records
Kreissparkasse Borde funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Kreissparkasse Borde 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 Kreissparkasse Borde
What does Kreissparkasse Borde do?
Kreissparkasse Börde is a regional German savings bank that provides retail and corporate customers with checking and savings accounts, debit and credit cards, consumer and mortgage lending, securities and investment products, and insurance brokerage. Services are delivered through physical branches, online banking (Internet-Filiale), the App Sparkasse, a customer service center, and the Chatbot Linda digital assistant. The bank operates under a public-law mandate and is part of the Sparkassen-Finanzgruppe network with shared IT and brand infrastructure.
Is Kreissparkasse Borde a public or private company?
Kreissparkasse Borde is a private company. It is classified as state government owned and is currently operating.
When was Kreissparkasse Borde founded?
Kreissparkasse Borde was founded in 1840. It employs 11 to 50 people.
Where is Kreissparkasse Borde based?
Kreissparkasse Borde is headquartered in Oschersleben, Germany, in the Europe region.
How does Kreissparkasse Borde make money?
Five revenue lines are on record. Interest Income is the primary driver. The others are account & Transaction Fees, insurance Commission Revenue, securities & Investment Products and building Savings Products.
Who are Kreissparkasse Borde's main competitors?
Direct peers on record are Sparkasse Nürnberg, Hamburger Sparkasse (Haspa), Stadtsparkasse München, Sparkasse Berlin, Sparkasse KölnBonn, Kreissparkasse München and Volksbank Börde-Bernburg-Heiligenstadt. Broad incumbents are DZ Bank and Deutsche Bank. Volksbank in Südwestfalen is listed as a regional player.
Does Kreissparkasse Borde have an API?
No public API is recorded for Kreissparkasse Borde.
What industry is Kreissparkasse Borde in?
Kreissparkasse Borde's product category is Retail Banking. Its primary akta.pro industry code is FSABAKAK, Savings Banks (Public/State-Owned), with a secondary code of FSAGALAE, Embedded Deposit Accounts & Digital Wallet Infrastructure. Its NAICS code is 52218 and its SIC code is 6036.