Kreissparkasse Steinfurt

Name

Kreissparkasse Steinfurt

Legal name

Kreissparkasse Steinfurt

Website

https://ksk-steinfurt.de

Company type

Private

Founded year

1850

Operating status

Operating

Headcount range

51–100 employees

Short description

Kreissparkasse Steinfurt is a regional German Sparkasse headquartered in Ibbenbüren that provides full-service retail and business banking — current accounts, loans, cards, investments, insurance, and real estate — to private and SMB customers in the Kreis Steinfurt district as part of the Sparkassen-Finanzgruppe.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Depository Credit Intermediation (5221), Savings Institutions and Other Depository Credit Intermediation (52218)

SIC

Savings Institutions, Not Federally Chartered (6036)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industries

Digital Banking & Neobank Platforms (BPAMAFAD), Financial Inclusion & Basic Banking (Unbanked/Underbanked, Low-Fee Accounts) (FSABAAAL)

Keywords

• Retail banking services
• Consumer lending
• Savings accounts
• Wealth management
• Insurance products

Headquarters

HQ city

Ibbenbüren

HQ country

Germany

HQ region

Europe

Offices3 records

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 interest revenue from lending activities including mortgages, consumer loans, and business financing.
2. Account and Transaction Fees: Monthly account maintenance fees (Girokonto starting at €4.50/month), transaction fees, and card-related charges.
3. Commission Revenue: Commissions from insurance products (offered through UKV and Allianz partnerships), investment products (Deka funds), and payment services.
4. Investment Products: Revenue from sale of securities, funds (Deka), ETFs, savings plans, and wealth management services.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels8 records

Core offering

Kreissparkasse Steinfurt is a regional public savings bank providing full-service retail banking to private and business customers in the Kreis Steinfurt district of North Rhine-Westphalia, Germany. Its core offering encompasses current accounts, credit and debit cards, consumer and mortgage loans, savings and investment products (including funds, ETFs, securities, and a RoboAdvisor), insurance products distributed via partner carriers, retirement planning, building society savings (LBS), and real estate services. Digital banking is delivered through the App Sparkasse, browser-based Online-Banking, and the S-pushTAN-App, supported by an extensive regional branch network and a nationwide Sparkassen ATM infrastructure.

Product overview

Kreissparkasse Steinfurt operates as a regional savings bank (Sparkasse) offering a comprehensive banking platform organized around three core pillars: daily banking (Girokonto GiroPrivat, credit cards, Multibanking), savings and investment (Sparen und Investieren with SmartVermögen, bevestor robo-advisory, and JuniorDepot for youth), and specialized services including insurance products (through UKV partnership for health insurance), real estate services (with Cockpit Immobilie digital management), and retirement planning (Sparkassen-Altersvorsorge). The digital banking ecosystem centers on Online-Banking accessible via browser, App Sparkasse mobile app (with Dark Mode), and S-pushTAN-App for transaction authorization. Key differentiating features include Wero instant payments, Card Control, and device recognition for enhanced security.

Differentiator

Problem solved

Functional benefit

Brands

• App Sparkasse: Mobile banking application for smartphone and tablet users
• S-pushTAN-App
• Geräteerkennung
• Sparkassen-App
• Cockpit Immobilie
• KNAX
• Konto mit Zukunft
• Wero
• Card Control
• GiroPrivat
• KlinikPRIVAT
• GesundheitVARIO
• Finanzplaner
• Kontowecker
• Multibanking

Products and services

• Girokonto GiroPrivat Current account with three pricing tiers starting at €4.50 per month, offering free cash withdrawals at Sparkassen ATMs and full access to Sparkasse digital and advisory services. Targeted at private individuals and families.
• Konto mit Zukunft Growing account for children that adapts from birth savings to a youth account and eventually to a full current account. Pays 0.50% p.a. interest on the first €1,000 and includes a free Sparkassen-Card from age 10.
• Mastercard Credit Cards (Starter, Standard, Gold, Platinum) Tiered range of Mastercard credit cards offering global payment capabilities with varying benefit levels, from a basic starter card to a premium Platinum tier, for private customers.
• Kredite und Finanzierungen Loan portfolio covering auto loans, personal loans, overdraft facilities (Dispositionskredit), mortgage financing (Immobilienfinanzierung), student financing (Studienfinanzierung), and modernization loans (LBS-Modernisierung) for private customers.
• Sparen und Investieren (Savings and Investments) Savings and investment services encompassing term deposits (Sparkassenbrief, Tagesgeld, Flex-Konto Privat 35), securities trading (Fonds, ETFs, Aktien), savings plans (Sparplan, Deka-Fondssparplan), and structured products (Geldanlage DuoPlus, TimingPlus) for private customers.
• SmartVermögen Automated investment service enabling convenient systematic portfolio management for private customers seeking hands-off investing.
• bevestor RoboAdvisor Digital investment advisory providing automated, algorithm-based portfolio recommendations and management for private customers.
• Sparkassen-Altersvorsorge Retirement planning products including state-subsidized pensions (Riester), occupational pension schemes, fund-based retirement options, and Allianz Riester-Rente for private customers.
• Versicherungen (Insurance) Insurance portfolio covering income protection, health coverage, property and household insurance, travel insurance, and liability protection, distributed through partnerships with UKV and Allianz.
• Krankentagegeld-Versicherung Daily sickness benefit insurance that fills the income gap after the 42nd day of illness for statutorily insured employees, distributed via UKV (Union Krankenversicherung AG).
• KlinikPRIVAT (Krankenhaus-Zusatzversicherung) Private hospital add-on insurance offering free choice of hospital and doctor and single or double room accommodation, available in Unfall, Option, and Premium tiers via UKV.
• GesundheitVARIO Flexible private health insurance with modular coverage including ambulatory, clinic, and dental supplements, designed for employees, self-employed, and freelancers, distributed via UKV.
• LBS-Bausparen Building society savings with state subsidies including the Wohnungsbauprämie housing premium, capital-forming investments, and Wohn-Riester government grants, distributed via LBS (Landesbausparkasse).
• Immobilien (Real Estate Services) Real estate services covering property search, purchase, sale, financing, and modernization advisory for private customers and investors.
• Cockpit Immobilie Digital property management platform enabling customers to manage home purchase, construction, or modernization projects in a single interface. Launched in 2024.
• Private Banking Wealth management and advisory services for high-net-worth individuals including investment advice, portfolio management, and estate planning.
• Online-Banking (Internet-Filiale) Browser-based digital banking platform enabling account management, transfers, standing orders, and financial oversight with pushTAN or chipTAN authentication, available 24/7.
• App Sparkasse (Sparkassen-App) Mobile banking application for smartphones and tablets offering account management, transfers, multibanking aggregation, Wero payments, photo transfers, and card controls with Dark Mode support, available on iOS and Android.
• S-pushTAN-App Mobile authentication app for authorizing online banking transactions and card payments via smartphone or tablet with secure push notifications and multi-language support. Free of charge.
• Wero European instant payment service enabling money transfers in under 10 seconds via smartphone, also available in online shops, operated by the Sparkassen-Finanzgruppe.
• JuniorDepot Investment savings plan for children aged 12 and above with free execution and €50 starting bonus during the May 1 to July 31, 2026 promotional period.
• Sparkassen-Card (Debitkarte) Debit card (including Sparkassen-Card Mastercard Debitkarte variants) for cash withdrawals at Sparkassen ATMs and contactless payment, integrated with Apple Pay via Face ID/Touch ID.

Quantifiable outcome

• Germany's most used banking app
• +2 more outcomes

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration13 records

AI capability3 records

Feature8 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• DekaBankcoreStrategic or Co-development PartnerPartnership for investment and savings products including Deka-Connect+, Deka Fondssparplan, Deka-JuniorPlan, and DekaBank Depot services offered through the Sparkasse.
• UKV (Union Krankenversicherung AG)coreChannel Partner/ Reseller/ DistributorInsurance partner offering health insurance products including Krankentagegeld, Krankenhaus-Zusatzversicherung (KlinikPRIVAT), and GesundheitVARIO private health insurance through the Sparkasse.
• AllianzminorChannel Partner/ Reseller/ DistributorPartnership for Allianz Riester-Rente pension products offered as part of retirement planning portfolio.
• LBS (Landesbausparkasse)coreStrategic or Co-development PartnerPartnership for building society products including LBS-Bausparen, LBS-Modernisierung, and state-subsidized home ownership savings with Wohn-Riester.
• PAYBACKcoreGTM or Marketing PartnerLoyalty program partnership enabling customers to collect PAYBACK points on everyday purchases and use them at partner retailers.
• Sparkassen-FinanzgruppecoreStrategic or Co-development PartnerParent organization providing shared banking infrastructure, brand, product platforms (App Sparkasse, S-pushTAN, Wero), ATM network, and risk protection scheme.
• SOLITminorChannel Partner/ Reseller/ DistributorPartnership for precious metals trading through SOLIT Edelmetalldepot offering gold, silver, platinum, and palladium investments.

Scale indicators3 records

Recent moves7 records

Expansion highlights6 records

Market position

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/user/KSKSteinfurt
• Facebookfacebook.com/kreissparkassesteinfurt
• LinkedInlinkedin.com/company/kreissparkasse-steinfurt
• Instagraminstagram.com/kreissparkassesteinfurt
• TikToktiktok.com/@kreissparkassesteinfurt

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Steinfurt