Sparkasse Hohenlohe district
Sparkasse Hohenlohekreis is a public-law savings bank headquartered in Künzelsau, Baden-Württemberg, serving retail and SME customers across the Hohenlohekreis district with full-service banking, mortgages, investments, insurance, and building savings under the Sparkassen-Finanzgruppe umbrella.
- Company typePrivate
- Founded-
- HeadquartersKünzelsau, Germany
- Headcount51–100
- GTM typeB2C
- OfferingServices
What Sparkasse Hohenlohe district does
Sparkasse Hohenlohekreis is a public-law savings bank (Anstalt des öffentlichen Rechts) headquartered in Künzelsau, Baden-Württemberg, serving retail and small-business customers across the Hohenlohekreis district. The bank operates as a member institution of the Sparkassen-Finanzgruppe, Germany's largest banking group, under direct supervision of the European Central Bank and BaFin, with consumer dispute resolution participation through the Sparkassen-Schlichtungsstelle Baden-Württemberg. Leadership comprises Bernd Kaufmann as Chairman of the Board (Vorsitzender des Vorstandes) and Werner Siller as Board Member (Mitglied des Vorstandes).
The product portfolio spans current accounts (Girokonto with multiple tiers including Giro Comfort, Giro Online, Giro Classic, GIRO life, GIRO youngline), card products (Sparkassen-Card, Mastercard Basis and Platinum, S-Reise- und Komfortpaket Gold), lending (S-Baufinanzierung, S-Autokredit, S-Privatkredit, S-Dispositionskredit, FlexiGeld, KfW-Förderkredite, LBS-Modernisierung, Forward-Darlehen, Ratenkredit aus Kontoumsätzen, KfW-Studienkredit), savings and investments (S-Tagesgeld, Sparkassenbrief, Sparkassenbuch Plus, PS-Sparen, Sparkassen-Depot, Deka funds, bevestor, SmartVermögen, Fonds- and Aktien-Sparplan, Edelmetalle, Spartöpfe, VL-Sparen), retirement products (S-BasisRente, IndexGarant, Wohn-Riester, Betriebliche Altersvorsorge, S-VermögensPolice Invest, Schenken und Vererben), insurance distribution through SV SparkassenVersicherung and ÖRAG, LBS building savings with Sofortfinanzierung, and real estate brokerage (S-ImmoPreisfinder). Underlying technology includes the Sparkassen Internet-Filiale online banking platform, Sparkassen-App for mobile banking, S-pushTAN-App with multi-language support, chipTAN-QR hardware authentication, Geräteerkennung device recognition, 3-D Secure card payment authentication, Kontowecker account alerts, Dynatrace performance monitoring, an AI chatbot 'Linda' with Google-powered intent recognition, video-Beraterchat for remote advisory, and integrations with Apple Pay, PAYBACK, and Wero.
The bank earns revenue primarily from net interest income on lending products (mortgages, consumer loans, overdraft facilities, SME financing), supplemented by account and card fees, and commission/royalty revenue from distributing third-party products in the Sparkassen-Finanzgruppe ecosystem — specifically DekaBank investment funds, SV SparkassenVersicherung insurance policies, LBS building savings contracts, and ÖRAG legal protection insurance. Go-to-market relies on a hybrid model combining regional branch presence with digital self-service channels; physical distribution is complemented by phone banking, video advisory, the AI chatbot, and online calculators (Baufinanzierungsrechner, Anlagekonfigurator, Fonds-Finder, S-ImmoPreisfinder). Marketing is conducted through Facebook, Instagram, email newsletters, Google Ads, and the Sparkassen-Finanzgruppe central platform (sparkasse.de), with campaign analytics via intelliAd and Adform. Pricing is largely quote-based for major credit and insurance products, with subscription (monthly/annual) account and card fees disclosed via tier structure.
Sparkasse Hohenlohe district firmographics
Firmographics- Name
- Sparkasse Hohenlohe district
- Legal name
- Sparkasse Hohenlohekreis Anstalt des öffentlichen Rechts
- Website
- https://spk-hohenlohekreis.de
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Sparkasse Hohenlohekreis is a public-law savings bank headquartered in Künzelsau, Baden-Württemberg, serving retail and SME customers across the Hohenlohekreis district with full-service banking, mortgages, investments, insurance, and building savings under the Sparkassen-Finanzgruppe umbrella.
- Ownership category
- akta.pro rank
Sparkasse Hohenlohe district industry classification
Industry- Product category
- Retail Banking
- NAICS
- Savings Institutions and Other Depository Credit Intermediation (522180), Depository Credit Intermediation (5221)
- SIC
- Savings Institutions, Not Federally Chartered (6036)
- akta.pro primary industry
- Housing & Urban Development Banks (Public) (FSABAKAG)
Keywords
Where Sparkasse Hohenlohe district is headquartered
LocationHeadquarters
- HQ city
- Künzelsau
- HQ country
- Germany
- HQ region
- Europe
Offices1 record
Markets served
Sparkasse Hohenlohe district business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others
Revenue model
- Interest Income: Core banking revenue from lending activities including mortgages (S-Baufinanzierung), personal loans (S-Privatkredit), and business loans. Interest margins constitute primary revenue stream for Sparkasse.
- Account and Transaction Fees: Fees from account maintenance (Girokonto products), card services (Sparkassen-Card, Mastercard), and transaction processing
- Investment Product Distribution: Commission revenue from distribution of third-party products including Deka investment funds, insurance products (SV), and LBS building savings contracts
- LBS-Bausparen Commission: Revenue share from LBS (Landesbausparkasse) building savings contracts sold to customers
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Girokonto product family with multiple tiers |
| Subscription | Annual | Credit cards including Mastercard Basis, Mastercard Platinum, and travel packages |
| Other | Monthly | S-Baufinanzierung mortgage lending |
| Other | Monthly | LBS-Bausparen building savings |
Go-to-market motion1 record
Distribution channels7 records
Marketing channels7 records
Sparkasse Hohenlohe district product offering
Product offeringCore offering
Sparkasse Hohenlohekreis is a regional public-law savings bank providing retail and business banking services in the Hohenlohekreis district of Baden-Württemberg, Germany. Its core offerings include current accounts, payment cards, consumer and mortgage lending, savings and investment products, retirement planning, insurance distribution, and real estate brokerage. Services are delivered through a regional branch network combined with digital channels including online banking, mobile app, video advisory, and AI chatbot support.
Product overview
Sparkasse Hohenlohekreis operates as a regional public law bank (Anstalt des öffentlichen Rechts) providing comprehensive financial services to private and business customers in the Hohenlohe district. The product portfolio comprises a unified banking platform with multiple integrated modules: core deposit products (Girokonto with Online-Banking and Sparkassen-App), card services (Mastercard Basis/Platinum, Sparkassen-Card, Apple Pay), lending solutions (S-Baufinanzierung, S-Autokredit, S-Privatkredit, FlexiGeld, KfW-Förderkredite), savings instruments (S-Tagesgeld, Sparkassenbrief, Sparkassenbuch Plus, PS-Sparen), investment services (Sparkassen-Depot, Deka Investments, bevestor, SmartVermögen, Fonds-Sparplan, Aktien-Sparplan, Edelmetalle), retirement planning (S-BasisRente, IndexGarant, Wohn-Riester, Betriebliche Altersvorsorge), insurance products through SV SparkassenVersicherung (Wohngebäudeversicherung, Kfz-Versicherung, Rechtsschutzversicherung, Haftpflichtversicherung, Hausratversicherung, Unfallversicherung, Berufsunfähigkeitsversicherung), and LBS-Bausparen for state-subsidized home savings with Sofortfinanzierung. The bank differentiates through digital banking tools including the S-pushTAN-App, chipTAN-QR, Geräteerkennung, 3-D Secure, Kontowecker, and AI chatbot 'Linda', alongside traditional branch and advisory services.
Differentiator
Problem solved
Functional benefit
Brands
- S-Banking: Online and mobile banking services including S-pushTAN, chipTAN, Online-Banking
- S-Immobilien
- S-Baufinanzierung
- LBS-Bausparen
- Deka Investments
Products and services
- Girokonto (S-Girokonto) Core checking account product family with multiple tiers (Giro Comfort, Giro Online, Giro Classic, GIRO life, GIRO youngline), providing standard current account services with associated Sparkassen-Card (Debitkarte) and overdraft facilities for personal banking customers.
- Online-Banking (Internet-Filiale) Digital banking platform enabling customers to manage accounts, conduct transactions, and access financial services via web browser with device recognition security and multi-language S-pushTAN authentication.
- Sparkassen-App (Mobile Banking) Mobile banking application for smartphones and tablets providing full banking functionality, device recognition, biometric login, and integration with S-pushTAN for secure transaction approvals.
- Mastercard Basis (Debitkarte) Debit card offering card-based payment and cash withdrawal capabilities with 3-D Secure protection via the S-pushTAN app.
- Mastercard Platinum (Kreditkarte) Premium credit card product with enhanced benefits, travel insurance, and concierge services targeting affluent retail customers.
- S-Baufinanzierung Construction financing product enabling customers to finance real estate purchases, new builds, or renovations with flexible terms, competitive rates, and optional KfW state subsidies, featuring an online calculator and digital application process.
- LBS-Bausparen
Quantifiable outcome
- State subsidies of up to €700 annual deposit for housing savings (Wohnungsbauprämie)
- +2 more outcomes
Companies that use Sparkasse Hohenlohe district
Customer profileSegments4 records
Ideal customer profiles3 records
Sparkasse Hohenlohe district technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration12 records
AI capability4 records
Feature7 records
Sparkasse Hohenlohe district partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core, major and supporting.
- LBS (Landesbausparkasse)coreLBS is the building savings bank of the Sparkassen-Finanzgruppe. Sparkasse Hohenlohekreis distributes LBS-Bausparen products including state-subsidized housing savings (Wohnungsbauprämie), vermögenswirksame Leistungen integration, and Wohn-Riester products. The partnership enables customers to access building savings with government subsidies for home purchase and financing.
- DekaBankcoreDekaBank is the investment arm of the Sparkassen-Finanzgruppe. Sparkasse distributes Deka investment funds (Deka-FondsSparplan, Deka-BasisAnlage), certificates (Zertifikate-Angebot), and other investment products. Partnership enables access to securities trading, fund investments, and retirement savings products.
- KfW (Kreditanstalt für Wiederaufbau)majorKfW is the German government development bank providing promotional loans. Sparkasse Hohenlohekreis integrates KfW-Förderkredite into its mortgage and renovation financing products, offering customers access to subsidized loans for energy-efficient building, renovation, and education.
- SV SparkassenVersicherungcoreSV (SparkassenVersicherung) is the insurance company of the Sparkassen-Finanzgruppe. Sparkasse distributes SV insurance products including Wohngebäudeversicherung (building insurance), PrivatSchutz, Kfz-Versicherung, and other personal insurance products. Partnership provides comprehensive insurance solutions alongside banking services.
- ÖRAG Rechtsschutzversicherungs-AGsupportingÖRAG provides legal insurance products distributed through Sparkasse, including Bauherren-Rechtsschutz (builder's legal protection), Privat-Rechtsschutz, Verkehrs-Rechtsschutz, and Haus- und Wohnungs-Rechtsschutz. The partnership enables bundled legal protection for property-related and personal legal matters.
- Sparkassen-FinanzgruppecoreThe Sparkassen-Finanzgruppe is Germany's largest banking group. Sparkasse Hohenlohekreis operates as a member institution, benefiting from shared technology platforms (Internet-Filiale, Sparkassen-App), central marketing campaigns, product development, and risk-sharing mechanisms.
- YellowMap AG (SmartMaps)supportingYellowMap AG provides the SmartMaps service for interactive map display on the website, enabling customers to find branch and ATM locations. Data processing includes IP address and technical data with 10-minute retention.
- Google Ireland Ltd.supportingGoogle provides analytics and advertising services (Google Analytics, Google Ads) through the Sparkassen-Finanzgruppe's central marketing platform. Also processes chatbot conversations for intent recognition. EU-US Data Privacy Framework certified.
Scale indicators2 records
Recent moves5 records
Expansion highlights5 records
Sparkasse Hohenlohe district competitors and assessment
Company assessmentMarket position
Competitive moat5 records
Key highlights6 records
Customer concentration
Sparkasse Hohenlohe district social profiles
Digital presenceSparkasse Hohenlohe district compliance and trust
Trust signalCompliance8 records
Sparkasse Hohenlohe district financial estimates
Financial estimateRevenue estimate
Valuation estimate
Sparkasse Hohenlohe district leadership team
Management profileNumber of profiles
Profiles2 records
Sparkasse Hohenlohe district funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Sparkasse Hohenlohe district 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 Sparkasse Hohenlohe district
What does Sparkasse Hohenlohe district do?
Sparkasse Hohenlohekreis is a regional public-law savings bank providing retail and business banking services in the Hohenlohekreis district of Baden-Württemberg, Germany. Its core offerings include current accounts, payment cards, consumer and mortgage lending, savings and investment products, retirement planning, insurance distribution, and real estate brokerage. Services are delivered through a regional branch network combined with digital channels including online banking, mobile app, video advisory, and AI chatbot support.
Is Sparkasse Hohenlohe district a public or private company?
Sparkasse Hohenlohe district is a private company. It is classified as state government owned and is currently operating.
When was Sparkasse Hohenlohe district founded?
Sparkasse Hohenlohe district was founded in -1. It employs 51 to 100 people.
Where is Sparkasse Hohenlohe district based?
Sparkasse Hohenlohe district is headquartered in Künzelsau, Germany, in the Europe region.
How does Sparkasse Hohenlohe district make money?
Four revenue lines are on record. Interest Income is the primary driver. The others are account and Transaction Fees, investment Product Distribution and LBS-Bausparen Commission.
Does Sparkasse Hohenlohe district have an API?
No public API is recorded for Sparkasse Hohenlohe district.
What industry is Sparkasse Hohenlohe district in?
Sparkasse Hohenlohe district's product category is Retail Banking. Its primary akta.pro industry code is FSABAKAG, Housing & Urban Development Banks (Public). Its NAICS code is 522180 and its SIC code is 6036.