Sparkasse Landshut
Sparkasse Landshut is a regional public savings bank founded in 1823 in Landshut, Bavaria, serving retail, corporate, and HNW customers with full-service banking across branches, digital platforms, and partner-distributed investment, building society, and insurance products.
- Company typePrivate
- Founded1823
- HeadquartersLandshut, Germany
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What Sparkasse Landshut does
Sparkasse Landshut is a German public savings bank (Anstalt des öffentlichen Rechts) founded in 1823, headquartered at Bischof-Sailer-Platz 431 in Landshut, Bavaria, and operating as part of the nationwide Sparkassen-Finanzgruppe. It serves retail individuals, families, youth, high-net-worth clients, and corporate/SME customers across the Landshut region with a comprehensive product suite spanning giro accounts (Giro Online, Giro Plus, Giro Clever), Sparkassen-Card and Mastercard credit/debit cards, mortgage and consumer lending (S-Baufinanzierung, Sparkassen-Privatkredit, S-Autokredit, Sparkassen-Klimakredit, KfW-backed loans), savings and term deposits (Sparbuch Digital, Geldmarktkonto, Sparkassenbrief), securities and ETFs via DekaBank, Deka-Connect+ wealth management and SmartVermögen robo-advisory, LBS-Bausparen building society products, retirement planning (Riester, BasisRente, JuniorRente), and tied insurance distribution under registration D-HHDM-MBARX-37. Distribution is omni-channel: multiple physical branches and ATMs, a 24/7 service center (0871 825-825), and digital channels including the Sparkassen-App (with Wero instant payments, multibanking, card control, photo transfers), Online-Banking, S-pushTAN-App (six-language support), Chatbot Linda, and integration with Deka, LBS, and Apple Pay. The bank is led by Vorsitzender Christian Gallwitz and Vorstand Andy Geisler, holds BLZ 74350000 and BIC BYLADEM1LAH, and reports no subsidiaries. Revenue is derived primarily from net interest income on lending, transaction and account fees, card interchange, and distribution commissions on investment and insurance products, with pricing disclosed at the product level (e.g., SmartVermögen from 25 EUR/month or 500 EUR one-time; chipTAN-QR generator at one-time 24.90 EUR). Recognition includes Kununu Top-Company 2025 seal and IHK-Niederbayern apprenticeship awards.
Sparkasse Landshut firmographics
Firmographics- Name
- Sparkasse Landshut
- Legal name
- Sparkasse Landshut
- Website
- https://sparkasse-landshut.de
- Company type
- Private
- Founded year
- 1823
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Sparkasse Landshut is a regional public savings bank founded in 1823 in Landshut, Bavaria, serving retail, corporate, and HNW customers with full-service banking across branches, digital platforms, and partner-distributed investment, building society, and insurance products.
- Ownership category
- akta.pro rank
Sparkasse Landshut industry classification
Industry- Product category
- Retail Banking
- NAICS
- Savings Institutions and Other Depository Credit Intermediation (522180)
- SIC
- Functions Related To Depository Banking, Nec (6099)
- akta.pro primary industry
- Tax Services (Withholding, Reclaims, FATCA/CRS) (FSAAAOAM)
Keywords
Where Sparkasse Landshut is headquartered
LocationHeadquarters
- HQ city
- Landshut
- HQ country
- Germany
- HQ region
- Europe
Offices2 records
Markets served
Sparkasse Landshut business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales
Revenue model
- Interest Income from Lending: Interest earned on mortgage loans (S-Baufinanzierung), personal loans (Sparkassen-Privatkredit, S-Privatkredit Plus, S-Autokredit, Sparkassen-Klimakredit), and overdraft facilities (S-Dispositionskredit)
- Account Management and Transaction Fees: Fees from giro account management, payment processing, card transactions, and various banking services
- Credit Card Operations: Revenue from Mastercard Standard and Mastercard Gold credit card products including interchange fees
- Investment Product Distribution: Commission revenue from distribution of Deka investment funds, Deka-Connect+, SmartVermögen, ETFs, certificates, and other securities products through partnership with DekaBank
- Insurance Products Distribution: Commission income from insurance products sold through the bank as a tied insurance agent (Versicherungsvertreter) with registration D-HHDM-MBARX-37
- Savings and Investment Products: Returns from savings deposits, term deposits (Sparkassenbrief, Sparbuch Digital, Geldmarktkonto), and building society (LBS-Bausparen) products
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | pushTAN (S-pushTAN-App) - Free mobile authentication method |
| Other | Pay-as-you-go | chipTAN-QR - Card-based authentication with device |
| Subscription | Monthly | Girokonto (Giro account) products - Various account models available |
| Subscription | Monthly | SmartVermögen - Digital wealth management from 25 EUR/month or 500 EUR one-time |
| Subscription | Monthly | Deka ETFs - Starting from 25 EUR |
Go-to-market motion1 record
Distribution channels7 records
Marketing channels9 records
Sparkasse Landshut product offering
Product offeringCore offering
Sparkasse Landshut is a regional public savings bank providing retail and corporate banking products including current accounts (Girokonto), debit and credit cards, mortgage and consumer loans, savings and term deposits, securities and ETF investment products, building society savings, retirement planning, wealth management, and insurance distribution. Services are delivered through a hybrid model combining a physical branch network in the Landshut region with digital channels including online banking and the Sparkassen-App mobile banking application.
Product overview
Sparkasse Landshut is a German public savings bank offering a comprehensive digital banking ecosystem across retail and corporate banking. The core product portfolio includes Girokonto (current account) with variants for online and premium users, Sparkassen-Card and Mastercard credit cards, Baufinanzierung and loans including mortgages, auto loans, and climate loans, real estate services with digital Cockpit Immobilie management tool, Sparen und Anlegen (savings and investment) including Sparbuch Digital and Sparkassenbrief, Wertpapiere und Börse (securities) with Sparkassen-Depot and S Broker, Deka Investments with fund savings plans and Deka ETFs, LBS-Bausparen (building society savings), and Sparkassen-Altersvorsorge (retirement planning) including Rürup-Rente, private annuities, and Riester-Rente. The digital platform is anchored by Online-Banking and the Sparkassen-App (mobile banking with Dark Mode, Multibanking, Wero payments, Card Control), complemented by S-pushTAN-App for secure transaction authorization, Chatbot Linda for customer support, Finanzplaner for budget management, Kontowecker for account monitoring, and S-Invest App for securities portfolio tracking. Premium wealth management services include Deka-Connect+ (fund-based asset management with ESG option) and SmartVermögen (ETF-based digital wealth management via bevestor robo-advisor).
Differentiator
Problem solved
Functional benefit
Brands
- Deka-Connect+: Wealth management product with investment funds offered in partnership with DekaBank
- SmartVermögen
Products and services
- Girokonto (Current Accounts) Current account products for daily banking with variants for online-only usage (Giro Online), premium features (Giro Plus), and youth accounts (Giro Clever growing account). For retail individuals and families.
- Sparkassen-Card and Mastercard Credit Cards Debit card (Sparkassen-Card) and credit card products (Mastercard Standard and Mastercard Gold) with insurance benefits. For retail customers needing payment cards.
- Construction Financing and Loans (Baufinanzierung und Kredite) Loan products including mortgage financing (S-Baufinanzierung), personal loans (Sparkassen-Privatkredit, S-Privatkredit Plus), auto loans (S-Autokredit), climate loans (Sparkassen-Klimakredit), KfW government-backed loans, overdraft facilities (S-Dispositionskredit), and Forward loans. For retail customers needing consumer credit and home financing.
- Real Estate Services (Immobilien) Real estate services including digital property management tool (Cockpit Immobilie), brokerage (Immobilienmakler), property valuation (S-Immo Preisfinder), modernization planning, and financing solutions. For retail customers buying, building, selling, or modernizing property.
- Savings and Term Deposits (Sparen und Anlegen) Savings and investment products including digital passbook (Sparbuch Digital), money market account (Geldmarktkonto), fixed-term deposits (Sparkassenbrief), notice money (Kündigungsgeld), and lottery-linked savings (PS-Sparen und Gewinnen). For retail customers seeking savings and capital preservation.
- Securities and Brokerage (Wertpapiere und Börse) Securities trading and brokerage services including custody accounts (Sparkassen-Depot, S Broker DepotPlus), ETF savings plans, and access to stock market information. For retail customers seeking self-directed securities investing.
- Deka Investment Products Investment fund products distributed through DekaBank partnership including systematic savings plans (Deka-FondsSparplan), ETFs (Deka ETFs starting from 25 EUR), and custodial accounts for children (Kinderdepot). For retail customers seeking managed investment products.
- Deka-Connect+ Wealth Management Wealth management service using investment funds with customizable risk profiles and optional sustainable (ESG) orientation. Up to three future themes selectable. Distributed through partnership with DekaBank. For affluent retail clients seeking managed investment solutions.
- SmartVermögen Digital Wealth Management ETF-based digital wealth management service with professional management, automatic rebalancing, and optional ESG/sustainability orientation. Minimum 25 EUR monthly savings plan or 500 EUR one-time investment. Powered by bevestor robo-advisor (DekaBank subsidiary). For retail customers seeking automated, low-minimum wealth management.
- Retirement Planning Products (Sparkassen-Altersvorsorge) Retirement planning products including state-subsidized base pension (BasisRente/Rürup-Rente), private annuities (Private Rentenversicherung), children's pensions (JuniorRente), and Riester-Rente. For retail customers planning retirement and pension provision.
- LBS-Bausparen (Building Society Savings) Building society savings products with government subsidies including housing premiums (Wohnungsbau-Prämie), vermögenswirksame Leistungen (VL), and Wohn-Riester for home ownership financing. For retail customers building savings for home ownership.
- Online-Banking Platform (Internet-Filiale) Full-featured digital banking platform accessible 24/7 via web browser for account management, transfers, document access, electronic postfach, and financial planning tools. For retail and corporate customers seeking self-service digital banking.
- Sparkassen-App Mobile Banking Mobile banking application for smartphones and tablets with Dark Mode support, Multibanking, Wero real-time payments, Card Control, photo transfers, and full account access. Available on iOS and Android. For retail customers seeking on-the-go banking.
- S-pushTAN-App Mobile app for generating transaction authorization numbers (TAN) with multi-language support (English, French, Polish, Czech, Turkish, Ukrainian). Free of charge for online banking authentication. For retail customers requiring secure transaction authorization.
- Chatbot Linda AI Assistant Digital virtual assistant using AI with Google-based intent recognition, providing answers to product and service questions via text chat interface. For retail and corporate customers seeking automated customer support.
- Insurance Products Distribution Insurance products distributed through the bank as a tied insurance agent (Versicherungsvertreter) with registration D-HHDM-MBARX-37, generating commission income. For retail customers seeking insurance protection as part of their banking relationship.
- chipTAN-QR Authentication Card-based TAN generation method using Sparkassen-Card and TAN generator device for secure online banking authorization. One-time device purchase of 24.90 EUR required; use is free of charge. For retail customers preferring hardware-based authentication.
- Cockpit Immobilie Digital Real Estate Tool Digital real estate management tool enabling customers to digitally manage home buying, building, and modernization projects in one location. For retail customers pursuing property ownership or renovation.
Companies that use Sparkasse Landshut
Customer profileSegments4 records
Ideal customer profiles3 records
Sparkasse Landshut technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration11 records
Feature9 records
Sparkasse Landshut partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core and minor.
- DekaBank Deutsche GirozentralecoreStrategic partnership with DekaBank, the securities house of the Sparkassen-Finanzgruppe, for investment products including Deka-Connect+, SmartVermögen, ETFs, funds, and certificates. Deka provides the investment infrastructure, fund management, and Robo-Advisor (bevestor) technology that Sparkasse Landshut distributes to its customers.
- S-Communication Services GmbHminorTechnical service provider for newsletter and email communications, managing Deka Investments email subscriptions and marketing communications.
Scale indicators4 records
Recent moves6 records
Expansion highlights6 records
Sparkasse Landshut competitors and assessment
Company assessmentBroad incumbents
- Deutsche Bank: Germany's largest universal bank offering retail (Postbank), corporate, and investment banking — a broad incumbent whose retail and SME capabilities overlap with Sparkasse Landshut's corporate and private banking segments.
- Commerzbank: Major German universal bank with retail, SME, and corporate banking — competes with Sparkasse Landshut for SME lending and retail deposits across Bavaria, particularly for mid-market corporate clients.
Direct peers
- Hamburger Sparkasse (Haspa): Major Hamburg-based Sparkasse with extensive retail, corporate, and wealth management capabilities distributed through branch and digital channels — comparable public-law savings bank operating at larger regional scale.
- Sparkasse Nürnberg: Regional Bavarian Sparkasse serving the Nuremberg metropolitan area with the same public-law institution status and full retail/corporate banking product set — directly comparable in governance, product mix, and customer segments.
- Stadtsparkasse München: Munich city savings bank operating under identical Sparkassen-Finanzgruppe framework with comparable retail, wealth, and corporate banking offerings — the closest scale and product analog to Sparkasse Landshut within Bavaria.
- Kreissparkasse Köln: Large regional German Sparkasse with full-service retail banking, Deka investment distribution, and Sparkassen-App omnichannel — directly comparable public-law savings bank model.
- Volksbanken Raiffeisenbanken (cooperative banks): Germany's cooperative banking sector — local Volksbanken and Raiffeisenbanken offer structurally similar regional retail and SME banking with member-owned governance, providing the closest non-Sparkasse comparator for community-focused banking.
Emerging players
- DKB (Deutsche Kreditbank): Digital-first German retail bank (subsidiary of BayernLB) competing directly in online banking, brokerage, and consumer lending — overlaps with Sparkasse Landshut's digital retail offering and represents the modern digital-bank benchmark.
- N26: Berlin-based mobile-first neobank targeting the same young retail and digital-native customers Sparkasse Landshut pursues with JuniorRente and Giro Clever — represents the principal digital-native competitive threat.
- ING Germany: Germany's largest direct bank with mobile-first retail banking, brokerage, and consumer lending — directly comparable to Sparkasse Landshut in deposit products, payments, and investment distribution.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights6 records
Customer concentration
Sparkasse Landshut social profiles
Digital presenceSparkasse Landshut financial estimates
Financial estimateRevenue estimate
Valuation estimate
Sparkasse Landshut leadership team
Management profileNumber of profiles
Profiles2 records
Sparkasse Landshut funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Sparkasse Landshut 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 Landshut
What does Sparkasse Landshut do?
Sparkasse Landshut is a regional public savings bank providing retail and corporate banking products including current accounts (Girokonto), debit and credit cards, mortgage and consumer loans, savings and term deposits, securities and ETF investment products, building society savings, retirement planning, wealth management, and insurance distribution. Services are delivered through a hybrid model combining a physical branch network in the Landshut region with digital channels including online banking and the Sparkassen-App mobile banking application.
Is Sparkasse Landshut a public or private company?
Sparkasse Landshut is a private company. It is classified as state government owned and is currently operating.
When was Sparkasse Landshut founded?
Sparkasse Landshut was founded in 1823. It employs 11 to 50 people.
Where is Sparkasse Landshut based?
Sparkasse Landshut is headquartered in Landshut, Germany, in the Europe region.
How does Sparkasse Landshut make money?
Six revenue lines are on record. Interest Income from Lending is the primary driver. The others are account Management and Transaction Fees, credit Card Operations, investment Product Distribution, insurance Products Distribution and savings and Investment Products.
Who are Sparkasse Landshut's main competitors?
Broad incumbents on record are Deutsche Bank and Commerzbank. Direct peers are Hamburger Sparkasse (Haspa), Sparkasse Nürnberg, Stadtsparkasse München, Kreissparkasse Köln and Volksbanken Raiffeisenbanken (cooperative banks). Emerging players are DKB (Deutsche Kreditbank), N26 and ING Germany.
Does Sparkasse Landshut have an API?
No public API is recorded for Sparkasse Landshut.
What industry is Sparkasse Landshut in?
Sparkasse Landshut's product category is Retail Banking. Its primary akta.pro industry code is FSAAAOAM, Tax Services (Withholding, Reclaims, FATCA/CRS). Its NAICS code is 522180 and its SIC code is 6099.