Kreissparkasse Gotha
Kreissparkasse Gotha is a public-law regional savings bank serving retail and SME customers in the Gotha district of Thuringia, Germany, offering accounts, mortgages, investment products, insurance, and real-estate services through branches, online banking, and the App Sparkasse.
- Company typePrivate
- Founded1994
- HeadquartersGotha, Germany
- Headcount101–250
- GTM typeB2C
- OfferingServices
What Kreissparkasse Gotha does
Kreissparkasse Gotha is a regional savings bank (Sparkasse) headquartered at Lutherstraße 2–4, Gotha, Thuringia, Germany, organized as a public-law institution (Anstalt des öffentlichen Rechts). It serves retail and small-business customers in the Gotha district through a branch-first model complemented by the App Sparkasse mobile channel, browser-based Online-Banking, a telephone service center (03621 221-0), and the multi-lingual S-pushTAN authentication flow.
The product set spans five vertically integrated pillars: (i) accounts and cards — multiple Girokonto variants plus Sparkassen-Card (Mastercard debit) and four Mastercard credit-card tiers; (ii) lending — S-Baufinanzierung, S-Privatkredit, S-Autokredit, Dispositionskredit, KfW promotional loans, and LBS modernization financing; (iii) savings and investments — Tagesgeld, Prämiensparen, Sparkassenbrief, VL-Sparen, PS-LOS-SPAREN, Sparkassen-Depot, DekaBank funds/ETFs and certificates, Helaba certificates, plus Sparpläne and S Broker DepotPlus; (iv) insurance distributed via SV SparkassenVersicherung, UKV (ZahnPRIVAT tiers), and Provincial (Passt-genau-Schutz, Modernisieren und Sanieren, Schutzbrief SorglosWohnen); and (v) real-estate services.
Revenue is generated from monthly account and card fees, net interest margin on lending, recurring commissions on Sparkassen-Finanzgruppe products (DekaBank, LBS, SV SparkassenVersicherung, UKV, Helaba), and transaction-based securities trading through Sparkassen-Depot. As part of the Sparkassen-Finanzgruppe, the bank benefits from shared institutional IT, brand, and nationwide ATM access (>12,000 machines), while governance rests with the owner (the Gotha district) and the Vorstand: Vorsitzende(r) Jörg Krieglstein, together with Claudia Hemmling and Annette Zanger as Board Members, supported by Gabriele Krug as Datenschutzbeauftragte.
Kreissparkasse Gotha firmographics
Firmographics- Name
- Kreissparkasse Gotha
- Legal name
- Kreissparkasse Gotha
- Website
- https://kreissparkasse-gotha.de
- Company type
- Private
- Founded year
- 1994
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Kreissparkasse Gotha is a public-law regional savings bank serving retail and SME customers in the Gotha district of Thuringia, Germany, offering accounts, mortgages, investment products, insurance, and real-estate services through branches, online banking, and the App Sparkasse.
- Ownership category
- akta.pro rank
Kreissparkasse Gotha industry classification
Industry- Product category
- Retail Banking
- NAICS
- Savings Institutions and Other Depository Credit Intermediation (52218), Depository Credit Intermediation (5221), Insurance Agencies and Brokerages (524210), Savings Institutions and Other Depository Credit Intermediation (522180), Consumer Lending (522291)
- SIC
- Savings Institution, Federally Chartered (6035), Insurance Agents, Brokers & Service (6411), Personal Credit Institutions (6141)
- akta.pro primary industry
- Retail Wealth & Bancassurance Distribution (Investment & Insurance via Bank) (FSABAAAJ)
- akta.pro secondary industry
- Retail (Personal Lines) Insurance Brokerage (FSAEADAA)
Keywords
Where Kreissparkasse Gotha is headquartered
LocationHeadquarters
- HQ city
- Gotha
- HQ country
- Germany
- HQ region
- Europe
Offices1 record
Markets served
Kreissparkasse Gotha 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
- Account and Transaction Fees: Monthly account fees for various Girokonto models (Girokonto Online, Standard, GiroStart, Mitwachsendes Konto). Transaction fees for transfers, card payments, and other banking services.
- Interest Income from Lending: Interest earned on loans including S-Baufinanzierung (mortgage), S-Privatkredit, Dispositionskredit, S-Autokredit, and KfW-Förderkredite. Primary revenue driver for savings banks.
- Investment Product Distribution: Commissions from distributing investment products including Sparkassen-Depot (DekaBank funds, ETFs, certificates), Deka Investments, and S Broker services. Includes fund management fees and transaction commissions.
- Insurance Product Distribution: Commissions from selling insurance products through SV SparkassenVersicherung, UKV (dental insurance), and other providers. Includes property, liability, health, and life insurance products.
- Bausparen (Building Savings) Products: LBS-Bausparen products including state-subsidized savings, Wohn-Riester, and construction financing. Part of the Sparkassen-Finanzgruppe offering.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | ZahnPRIVAT 75 - Basic dental insurance coverage at entry price point |
| Subscription | Monthly | ZahnPRIVAT 90 - Mid-tier dental insurance with enhanced coverage including orthodontics for children |
| Subscription | Monthly | ZahnPRIVAT 100 - Premium dental insurance with full 100% coverage |
| Subscription | Monthly | Girokonto Online - Free basic account with digital services |
| Freemium | Monthly | pushTAN - Free mobile banking authorization method |
| Subscription | One time/ perpetual license | chipTAN - Card-based TAN generation |
Go-to-market motion3 records
Distribution channels6 records
Marketing channels9 records
Kreissparkasse Gotha product offering
Product offeringCore offering
Kreissparkasse Gotha is a regional German savings bank providing current accounts (Girokonto variants), Mastercard debit and credit cards, mortgage and consumer loans (S-Baufinanzierung, S-Privatkredit, S-Autokredit, Dispositionskredit), savings and investment products (Tagesgeld, Sparkassenbrief, Sparkassen-Depot, Deka investments, LBS-Bausparen), insurance distribution (SV SparkassenVersicherung, UKV dental), real estate services, and digital banking via App Sparkasse and Online-Banking for retail customers, young customers, and small businesses in the Gotha district.
Product overview
Kreissparkasse Gotha operates as a regional savings bank (Sparkasse) offering a unified banking platform through its Internet-Filiale, organized into five core product categories: (1) Account & Card Services including Girokonto variants (Online, Standard, Start, Mitwachsendes), Sparkassen-Card debit Mastercard with PAYBACK integration, and four Mastercard credit card tiers (Standard, Gold, Basis, Platinum); (2) Financing Solutions comprising S-Baufinanzierung (mortgage), S-Autokredit, S-Privatkredit, Dispositionskredit, KfW promotional loans, and FlexiGeld; (3) Savings & Investment including Tagesgeld, Prämiensparen, Sparkassenbrief, VL-Sparen, PS-LOS-SPAREN, Sparkassen-Depot for securities, Deka Investments (funds, ETFs, sustainable investments), LBS-Bausparen with state subsidies, and Zertifikate from Helaba and DekaBank; (4) Insurance Products underwritten by SV SparkassenVersicherung and UKV covering property (Wohngebäude, Hausrat, Haftpflicht), health (Zahnzusatzversicherung ZahnPRIVAT, Krankenhaus-Zusatz, PflegePRIVAT), motor (Kfz, Moped, E-Scooter), and personal coverage (Unfall, Berufsunfähigkeit, Risikoversicherung), plus specialized offerings like Schutzbrief SorglosWohnen and Modernisieren und Sanieren; and (5) Real Estate Services for buying, selling, renting, and financing property. Digital banking is delivered via App Sparkasse (mobile) and Online-Banking (browser), supported by security features including S-pushTAN-App, chipTAN, Geräteerkennung, and Card Control, along with financial tools such as Finanzplaner, Kontowecker, Elektronisches Postfach, Wero instant payments, Multibanking, and Fotoüberweisung/GiroCode for bill scanning.
Differentiator
Problem solved
Functional benefit
Products and services
- Girokonto (Online, Standard, GiroStart, Mitwachsendes Konto) Current account products offered in multiple variants for online banking, standard adult customers, young customers (GiroStart), and a growing account for children (Mitwachsendes Konto), each with associated Sparkassen-Card and financial planning tools.
- Mastercard Credit Cards (Standard, Gold, Basis, Platinum)
- S-Baufinanzierung
- S-Privatkredit
- S-Autokredit
- Dispositionskredit
- Tagesgeld
- Prämiensparen flexibel (Ratensparen)
- Sparkassenbrief
- VL-Sparen
- PS-LOS-SPAREN
- Sparkassen-Depot (Wertpapiere und Börse)
- Sparplan (Fonds-Sparplan, ETF-Sparplan)
- Zertifikate (Helaba, DekaBank)
- Deka Investments (Fonds, ETFs, Investmentfonds)
- LBS-Bausparen
- Sparkassen-Altersvorsorge
- Betriebliche Altersvorsorge
- Versicherungen (SV SparkassenVersicherung, UKV)
- Zahnzusatzversicherung (ZahnPRIVAT 75, 90, 100)
- Modernisieren und Sanieren (SV)
- Schutzbrief SorglosWohnen
- Passt-genau-Schutz (Sachversicherung)
- Immobilien
- Online-Banking (Internet-Filiale)
- App Sparkasse (Mobile Banking)
Companies that use Kreissparkasse Gotha
Customer profileSegments4 records
Ideal customer profiles4 records
Kreissparkasse Gotha technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration15 records
Feature6 records
Kreissparkasse Gotha partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core and minor.
- DekaBankcoreDekaBank provides investment fund products including Deka ETFs, Deka Investmentfonds, and the DekaBank Depot. Kreissparkasse Gotha distributes these products through its Sparkassen-Depot and Deka Investments offerings.
- SV SparkassenVersicherungcoreSV SparkassenVersicherung provides insurance products distributed through Sparkassen branches including home insurance (Wohngebäude, Hausrat), liability insurance, and the Schutzbrief SorglosWohnen emergency home services.
- UKV (Union Krankenversicherung AG)coreUKV provides supplemental dental insurance products (ZahnPRIVAT 75, 90, 100) distributed through the Sparkasse. Located at Peter-Zimmer-Str. 2, 66123 Saarbrücken.
- Helaba (Landesbank Hessen-Thüringen)coreHelaba provides investment certificates (Zertifikate) including Zinsdifferenz-Anleihen, Geldmarktfloater Flex, Carrara Anleihen, and DuoRendite Anleihen distributed through the Sparkasse.
- LBS (Landesbausparkasse)coreLBS provides state-subsidized building savings products (Bausparen) including Wohnungsbau-Prämie, VL-Sparen, and Wohn-Riester for home financing.
- ProvinzialcoreProvinzial provides Sachversicherung (property insurance) products including the 'Passt-genau-Schutz' customized insurance coverage sold through Sparkassen advisors.
- KfW BankengruppeminorKfW government development bank provides subsidized loans (KfW-Förderkredite, KfW-Studienkredit) for energy-efficient construction, education, and modernization, distributed through the Sparkasse.
- PAYBACKminorPAYBACK loyalty points program integrated with Sparkassen-Card (Debitkarte), allowing customers to collect points at Aral, dm, EDEKA, and Netto Marken-Discount.
Scale indicators3 records
Recent moves6 records
Expansion highlights6 records
Kreissparkasse Gotha competitors and assessment
Company assessmentDirect peers
- Taunus Sparkasse: Small-to-mid regional Sparkasse operating in a similarly constrained geographic catchment (Hochtaunuskreis). Closely matches Kreissparkasse Gotha's scale, branch-and-app distribution mix, and reliance on Sparkassen-Finanzgruppe partnership products.
- Sparkasse KölnBonn: Large German Sparkasse operating the same public-law savings bank model with the same product suite (Girokonto, Baufinanzierung, Versicherungen via SV SparkassenVersicherung). Closely comparable business model and Sparkassen-Finanzgruppe membership, though at substantially larger scale than Kreissparkasse Gotha.
- Kreissparkasse München: District-level Kreissparkasse operating in the Munich district under the same Anstalt des öffentlichen Rechts structure as Kreissparkasse Gotha. Provides the closest peer match on legal form, regional scope, customer profile, and product portfolio — useful for benchmarking unit economics.
- Sparkasse Leipzig: Regional Sparkasse in eastern Germany with structurally similar demographics to Gotha (post-reunification Thuringia/Saxony catchment). Comparable product portfolio, branch-plus-digital distribution model, and reliance on the Sparkassen-Finanzgruppe partner ecosystem.
- Sparkasse Nürnberg: Mid-sized regional Sparkasse with comparable headcount and product breadth, including Girokonto variants, S-Baufinanzierung, Sparkassen-Depot, and SV/UKV insurance distribution. Operates within the same Sparkassen-Finanzgruppe framework and serves a similar retail/SMB customer base.
Broad incumbents
- Sparkasse Berlin: Major Sparkasse in the German capital operating the same product model and Sparkassen-Finanzgruppe partnerships. Useful comparable for digital transformation roadmap (App Sparkasse, Online-Banking) and distribution density economics at larger scale.
- Stadtsparkasse München: One of Germany's largest municipal savings banks with the same Sparkassen operating model but serving a major metropolitan area. Provides a useful comparable for product strategy, digital banking investments (App Sparkasse), and insurance/securities distribution economics at scale.
- DKB (Deutsche Kreditbank): Direct bank owned by BayernLB offering online Girokonto, brokerage, and consumer lending products. Competes for the same retail customer base as Kreissparkasse Gotha, particularly younger and more price-sensitive segments, with an aggressive digital proposition.
- ING-DiBa: Germany's largest direct bank and the principal challenger to Sparkassen retail deposit and consumer lending franchises. Competes head-on with Kreissparkasse Gotha on Girokonto, Tagesgeld, and consumer credit, but with a no-branch, digital-only model that pressures incumbent economics.
Regional players
- Volksbank Mittweida: German cooperative bank (Genossenschaftsbank) operating in a comparable small-town eastern German catchment. Competes directly with Kreissparkasse Gotha for retail and SMB customers, with a similar branch-based advisory model and comparable product breadth.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Kreissparkasse Gotha social profiles
Digital presenceKreissparkasse Gotha financial estimates
Financial estimateRevenue estimate
Valuation estimate
Kreissparkasse Gotha leadership team
Management profileNumber of profiles
Profiles4 records
Kreissparkasse Gotha funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Kreissparkasse Gotha 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 Gotha
What does Kreissparkasse Gotha do?
Kreissparkasse Gotha is a regional German savings bank providing current accounts (Girokonto variants), Mastercard debit and credit cards, mortgage and consumer loans (S-Baufinanzierung, S-Privatkredit, S-Autokredit, Dispositionskredit), savings and investment products (Tagesgeld, Sparkassenbrief, Sparkassen-Depot, Deka investments, LBS-Bausparen), insurance distribution (SV SparkassenVersicherung, UKV dental), real estate services, and digital banking via App Sparkasse and Online-Banking for retail customers, young customers, and small businesses in the Gotha district.
Is Kreissparkasse Gotha a public or private company?
Kreissparkasse Gotha is a private company. It is classified as state government owned and is currently operating.
When was Kreissparkasse Gotha founded?
Kreissparkasse Gotha was founded in 1994. It employs 101 to 250 people.
Where is Kreissparkasse Gotha based?
Kreissparkasse Gotha is headquartered in Gotha, Germany, in the Europe region.
How does Kreissparkasse Gotha make money?
Five revenue lines are on record. Account and Transaction Fees are the primary driver. The others are interest Income from Lending, investment Product Distribution, insurance Product Distribution and bausparen (Building Savings) Products.
Who are Kreissparkasse Gotha's main competitors?
Direct peers on record are Taunus Sparkasse, Sparkasse KölnBonn, Kreissparkasse München, Sparkasse Leipzig and Sparkasse Nürnberg. Broad incumbents are Sparkasse Berlin, Stadtsparkasse München, DKB (Deutsche Kreditbank) and ING-DiBa. Volksbank Mittweida is listed as a regional player.
Does Kreissparkasse Gotha have an API?
No public API is recorded for Kreissparkasse Gotha.
What industry is Kreissparkasse Gotha in?
Kreissparkasse Gotha's product category is Retail Banking. Its primary akta.pro industry code is FSABAAAJ, Retail Wealth & Bancassurance Distribution (Investment & Insurance via Bank), with a secondary code of FSAEADAA, Retail (Personal Lines) Insurance Brokerage. Its NAICS code is 52218 and its SIC code is 6035.