Kreissparkasse Esslingen-Nurtingen

Name

Kreissparkasse Esslingen-Nurtingen

Legal name

Kreissparkasse Esslingen-Nürtingen

Website

https://kreissparkasse-esslingen.de

Company type

Private

Founded year

1848

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Regional German public savings bank (Sparkasse) serving the Esslingen-Nürtingen district in Baden-Württemberg, offering retail and SME banking, loans, mortgages, investments, insurance, and real-estate services through branches and digital channels as part of the Sparkassen-Finanzgruppe.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Finance and Insurance (52), Funds, Trusts, and Other Financial Vehicles (525), Pension Funds (52511)

SIC

Savings Institutions, Not Federally Chartered (6036), Mortgage Bankers & Loan Correspondents (6162), Insurance Agents, Brokers & Service (6411), Investment Advice (6282)

akta.pro primary industry

Mutual Savings Banks & Mutual Thrifts (FSABAEAD)

akta.pro secondary industries

Retirement & Pension Wealth (401(k)/IRA/SIPP/Superannuation Retail) (FSAAAAAJ), Retirement & Pension Planning (401(k)/IRA) (FSAEAAAD)

Keywords

• Retail banking services
• Savings and deposits
• Consumer lending
• Mortgage financing
• SME business banking

Headquarters

HQ city

Frankfurt

HQ country

Germany

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Primary revenue stream from interest spreads on loans (mortgages, personal loans, business loans) and credit facilities. The bank offers S-Privatkredit, S-Autokredit, S-Baufinanzierung, S-Dispositionskredit, and various other credit products generating interest income.
2. Fee and Commission Income: Account maintenance fees, transaction fees, card fees (Mastercard, Sparkassen-Card), and commissions from investment products (Deka funds, ETFs), insurance products, and other financial services.
3. Investment Product Distribution: Revenue from distributing third-party investment products including Deka investment funds, ETFs, insurance products (SV Versicherungen), and building society products (LBS-Bausparen), earning distribution commissions.
4. Deposit Taking: Attracting customer deposits (S-Tagesgeld, Sparkassenbrief, Sparkassenbuch) which are then lent out or invested, generating net interest income.

Pricing tiers

Go-to-market motion1 record

Distribution channels8 records

Marketing channels10 records

Core offering

Kreissparkasse Esslingen-Nürtingen is a regional German public savings bank (Sparkasse) that provides comprehensive retail and commercial banking services to residents, businesses, and public-sector entities in the Esslingen-Nürtingen district of Baden-Württemberg. Its core offering includes current accounts (S-Girokonto), debit and credit cards, personal and mortgage loans, savings and investment products, securities trading via S-Broker DepotPlus, insurance products (SV Versicherungen), building society savings (LBS-Bausparen), retirement planning, and real estate services, all distributed through a multi-branch physical network combined with online and mobile banking channels.

Product overview

Kreissparkasse Esslingen-Nürtingen operates as a regional savings bank (Sparkasse) offering a comprehensive, platform-plus-module banking product portfolio. The core offering centers on the S-Girokonto (checking account) integrated with physical and virtual debit cards (Sparkassen-Card), supplemented by a full credit card suite (Mastercard Gold/Silver/Platinum). The credit and financing module includes personal loans (S-Privatkredit, S-Autokredit), home mortgages (S-Baufinanzierung), and government-subsidized KfW-Förderkredite and Sparkassen-Klimakredit. Savings products span daily deposits (S-Tagesgeld), fixed-term savings certificates (Sparkassenbrief, Sparkassenbuch), goal-based saving (Spartöpfe), and investment products including the S Broker DepotPlus trading platform, Deka ETFs/Funds, and RenditeDuo combined products. The bank also provides insurance products (SV Versicherungen), building society savings (LBS-Bausparen), retirement planning (Sparkassen-Altersvorsorge), and real estate services. Digital access is enabled through Online-Banking, the Sparkassen-App, and a digital assistant (Linda). The S-Girokonto integrates with the PAYBACK loyalty program, and the bank offers services for young customers (children, students, apprentices), private banking, and business customers (Firmenkunden).

Differentiator

Problem solved

Functional benefit

Products and services

• S-Girokonto Primary checking account product with multiple variants for different customer segments, including Giro Flex, Giro Flat, Giro Flat Young, Mitwachsendes Konto, and Giro 18Plus. Comes with Sparkassen-Card debit card and supports day-to-day banking transactions for personal customers.
• Sparkassen-Card Debit card issued by the Sparkasse, available as a physical card and a virtual version (Sparkassen-Card Virtuell) for mobile payments. Linked to the customer's giro account for everyday point-of-sale and online transactions.
• Mastercard Product Suite (Gold/Silver/Platinum) Credit card portfolio including Mastercard Gold, Mastercard Silber (Standard), and Mastercard Platinum, offering varying benefits such as travel insurance and first-year annual fee waivers for Gold cardholders.
• S-Privatkredit Personal loan product for general consumer financing needs, offered as part of the credits and financing portfolio.
• S-Autokredit Specialized auto financing loan for vehicle purchases, offered as a dedicated product within the credit portfolio.
• S-Baufinanzierung Home mortgage and construction financing product for real estate purchases and construction projects in the bank's service area.
• S-Tagesgeld Daily deposit savings account offering attractive interest rates with immediate access to funds, designed as a flexible financial reserve.
• Sparkassenbrief Fixed-term savings certificate offering guaranteed interest rates, currently advertised at 3.60% p.a. for a 12-month term in promotional offerings.
• Sparkassenbuch Traditional passbook savings product with guaranteed interest, a classic savings instrument offered by German Sparkassen.
• S Broker DepotPlus Securities trading platform enabling customers to manage investment portfolios, trade equities, funds, and ETFs through the Sparkassen-Finanzgruppe broker.
• LBS-Bausparen Building society savings product (Bausparen) enabling customers to build equity for home financing with state subsidies, including Wohnungsbau-Prämie and Wohn-Riester government incentives.
• Sparkassen-Altersvorsorge Retirement planning portfolio including BasisRente, IndexGarant, Risikoversicherung, VermögensPolice Invest, Betriebliche Altersvorsorge, VorsorgeMix, and Sparkassen-Kommunalrente.
• Versicherungsprodukte (Insurance Portfolio) Comprehensive insurance portfolio including Krankenhaus-Zusatzversicherung, SV Kfz-Flatrate, Private Haftpflichtversicherung, Rechtsschutzversicherung, Berufsunfähigkeitsversicherung, Hausratversicherung, Unfallversicherung, Wohngebäudeversicherung, Kfz-Versicherung, Auslandsreise-Krankenversicherung, Zahnzusatzversicherung, PrivatSchutz der SV, SV InternetSchutz, and E-BikeSchutz.
• Immobilien (Real Estate Services) Real estate services including property search for the region (Esslingen, Kirchheim, Nürtingen, Leinfelden-Echterdingen), S-ImmoPreisfinder for property valuation, and Cockpit Immobilie for portfolio management.
• KfW-Förderkredite Government-subsidized loan products through KfW development bank, including energy-efficient building, modernization, and study credits (KfW-Studienkredit).
• Sparkassen-Klimakredit Green financing product supporting environmentally friendly investments and energy-efficient renovations.
• Geschäftsgirokonto (Business Checking Account) Dedicated business checking account (Geschäftsgirokonto) offered to SME and corporate customers (Firmenkunden) as part of the bank's business banking services.
• RenditeDuo Combined savings and investment product bundling a Sparkassenbrief (50% of investment) with selected investment funds (50%), currently offering 3.60% p.a. on the bond component.

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature5 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• DekacoreTechnology or IntegrationDistribution partnership with DekaBank for investment products. The bank offers Deka-FondsSparplan, Deka ETFs, Deka-BasisAnlage, and Deka investment fund options for VL-Sparen (vermögenswirksame Leistungen). Deka provides the underlying investment fund infrastructure and product range.
• LBS (Landesbausparkasse)coreTechnology or IntegrationPartnership with LBS for building savings products (Bausparen). Offers LBS-Bausparen for home ownership, LBS-Modernisierung for property modernization, and LBS-Bausparen with state subsidies (Wohnungsbau-Prämie, Wohn-Riester).
• KfW (Kreditanstalt für Wiederaufbau)coreStrategic or Co-development PartnerPartnership for KfW promotional loans including KfW-Förderkredite, KfW-Studienkredit, and Förderberatung for energetic building renovation. KfW provides subsidized financing programs for energy efficiency, education, and housing.
• PAYBACKminorGTM or Marketing PartnerPAYBACK loyalty points program partnership integrated into Sparkassen-Card and Girokonto. Customers can collect °P points on transactions and participate in promotions such as football World Cup quizzes with travel voucher prizes up to €5,000.
• Sparkassen-FinanzgruppecoreStrategic or Co-development PartnerMembership in the Sparkassen-Finanzgruppe, Germany's largest banking group. Provides access to shared technology infrastructure, product platforms (S-Investor, S-Broker), marketing standards, training (Sparkassen-SchulService), and the comprehensive Sparkassen guarantee system.
• SV (Sparkassen Versicherungen)coreTechnology or IntegrationPartnership with SV Sparkassen-Versicherung for insurance products. Offers comprehensive insurance portfolio including PrivatSchutz, Kfz-Versicherung, Hausratversicherung, Haftpflichtversicherung, Rechtsschutzversicherung, and specialty insurance products.
• TUIGTM or Marketing PartnerTravel partner for Mastercard Gold promotion offering travel vouchers (TUI Gutscheine) as prizes in promotional campaigns for cardholders.
• WirWunder (Spendenportal)minorGTM or Marketing PartnerCommunity giving platform for regional donations and charitable initiatives, supporting local community causes and social projects in the Esslingen-Nürtingen district.

Scale indicators2 records

Recent moves6 records

Expansion highlights6 records

Emerging players

• N26: Germany-headquartered mobile-first neobank offering checking, savings, and payments targeted at younger digital-native consumers. Represents the leading edge of fintech competition for the Junge Kunden segment of traditional Sparkassen in Germany.
• ING-DiBa (ING Germany): Germany's largest direct bank with branchless digital banking, deposit products, consumer lending, and brokerage. A direct digital-banking competitor that undercuts the branch-based cost structure of regional Sparkassen for price-sensitive retail customers.

Broad incumbents

• Deutsche Bank: Germany's largest universal bank offering retail, commercial, investment banking, and wealth management across the country. Overlaps in retail banking, deposits, mortgages, and investment products but operates at national/international scale with a private-profit mandate rather than a public-law savings mandate.
• Commerzbank: Major German universal bank with significant retail and SME banking presence. Competes with the Sparkasse across retail deposits, mortgages, and business banking but with broader national scope and broader product portfolio.

Direct peers

• Sparkasse Karlsruhe: Another major regional Sparkasse in Baden-Württemberg serving the Karlsruhe technology region with full banking, lending, insurance, and investment products. Directly comparable as another large multi-branch savings bank with identical Sparkassen-Finanzgruppe product platform and similar product breadth.
• Kreissparkasse Böblingen: Adjacent Stuttgart-region Kreissparkasse serving the Böblingen district. Comparable as another mid-sized Baden-Württemberg savings bank with identical product portfolio, branch network model, and Sparkassen-Finanzgruppe integration.
• Sparkasse Nürnberg: Major Bavarian regional Sparkasse serving a comparable mid-size city district with full banking, insurance, and investment products. Comparable scale and product breadth through the same Sparkassen-Finanzgruppe infrastructure.
• Kreissparkasse Waiblingen: Another Stuttgart-region Kreissparkasse serving the Rems-Murr district. Highly comparable as a regional Baden-Württemberg savings bank with the same products and customer-segment approach.
• Kreissparkasse Ludwigsburg: Neighboring regional Sparkasse in the Stuttgart metropolitan area (adjacent district) offering the same S-Girokonto, savings, lending, and investment products. Closest geographic and structural peer — same regulatory regime, same product catalog, overlapping customer base.
• Volksbank Esslingen: Cooperative bank (Volksbank) operating in the same Esslingen region with branch presence, serving retail and SME customers with checking, lending, and investment products. The principal cooperative-banking competitor in the bank's core geography.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

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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 Esslingen-Nurtingen