Dragsholm Sparekasse

What Dragsholm Sparekasse does

Dragsholm Sparekasse is a Danish customer-owned savings bank (sparekasse) headquartered in Asnæs, Sjælland, with a history dating to 1870. It operates three branches — Asnæs (HQ), Kalundborg, and the newly announced Holbæk location — and employs 53 staff. The bank is regulated by Finanstilsynet (the Danish Financial Supervisory Authority) and is a member of the Danish deposit guarantee scheme.

The bank offers a comprehensive retail and small-business product suite: deposit accounts (MinKonto, MAX28, Lønkonto, Opsparingskonto, Budgetkonto, Garant), lending products (Boliglån, Realkreditlån via partner institutions, Billån including a specialized EV/plug-in hybrid variant, and consumer credit), insurance distribution (personal insurance through Nærpension and property/casualty through Privatsikring), investment products via Sparinvest, and pension products. Digital delivery is through Netbank, the Mobilbank mobile app, and the Mine Penge personal finance management app, supported by standard Danish payment integrations (MobilePay, Apple Pay, Google Pay, Garmin Pay, Fitbit Pay, Click to Pay, and MitID identity). Housing-adjacent advisory services — Vedligeholdelsesplan, Energi- og Klimatjek, and Energiberegner — extend the offering into home energy and maintenance planning.

The revenue model is conventional Danish retail banking: net interest margin on lending and deposits, account and transaction fees, and commission-based revenue from third-party investment and insurance products. Pricing follows a subscription model for accounts (monthly fees on basic accounts, annual fees for the Fordelskunde loyalty program that rewards consolidated relationships). The go-to-market is sales-led and relationship-based, emphasizing local presence and personal advisory over digital-only channels. Customer segments are private individuals (primary), small and medium-sized businesses (Erhverv), local associations (Foreninger), and young customers (Ung). The bank has no public funding, no M&A history, and no parent company; it operates as a cooperative under the sparekasse ownership model.

Name

Dragsholm Sparekasse

Legal name

Dragsholm Sparekasse

Website

https://dragsholmsparekasse.dk

Company type

Private

Founded year

1870

Operating status

Operating

Headcount range

51–100 employees

Short description

Dragsholm Sparekasse is a Danish customer-owned cooperative savings bank, founded 1870, operating three branches in Asnæs, Kalundborg, and Holbæk (announced). It serves retail and small-business customers with deposits, lending, insurance, investments, and pension products via relationship-based advisory and digital channels.

Ownership category

akta.pro rank

Headquarters

HQ city

Asnæs

HQ country

Denmark

HQ region

Europe

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest income: Traditional banking interest margin on lending and deposits
2. Account and transaction fees: Monthly fees for accounts, transaction fees, and payment card fees
3. Investment products: Commission-based revenue from investment products through Sparinvest partnership
4. Insurance products: Revenue from insurance products (personforsikring through Nærpension, skadesforsikring through Privatsikring)

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Dragsholm Sparekasse is a Danish savings bank providing retail banking services to private individuals and small businesses. The bank offers deposit accounts, home and auto loans, mortgages, consumer credit, insurance, investment products, and pension savings. It operates physical branches complemented by online and mobile banking channels, emphasizing personal advisory services and local community presence.

Product overview

Dragsholm Sparekasse is a traditional Danish savings bank offering a comprehensive range of personal banking products through a single-platform model. The portfolio includes deposit accounts (MinKonto, MAX28, Lønkonto, Opsparingskonto, Budgetkonto, Garant), lending products (Boliglån, Realkreditlån, Billån, el-hybrid Billån, Kreditter og forbrugslån, Boligkredit Total), insurance (Personforsikring via Nærpension, Skadesforsikring via Privatsikring), investment services (including Sparinvest funds), and pension products. Digital banking is delivered through Netbank, Mobilbank, and the Mine Penge App. The bank also offers specialized housing services including Vedligeholdelsesplan, Energi- og Klimatjek, and Energiberegner. A loyalty program (Fordelskunde) rewards customers who consolidate their banking relationship with the bank.

Differentiator

Problem solved

Functional benefit

Brands

• MAX28: Specialized accounts for young customers under 28 years old
• MinKonto

Products and services

• Personforsikring (Nærpension) Personal insurance products offered in partnership with Nærpension, providing life and disability coverage for individuals.
• Skadesforsikring (Privatsikring) Property and casualty insurance products offered in partnership with Privatsikring.
• Billån Vehicle financing loans for purchasing cars, including conventional auto loans.
• Billån til el- eller plugin hybrid Specialized auto loans for electric and plug-in hybrid vehicles with favorable terms.
• Boliglån Home loans for financing residential property purchases or renovations.
• Realkreditlån Mortgage loans facilitated through partnerships with Danish mortgage institutions.
• Boligkredit Total Comprehensive housing credit product with flexible drawing options.
• Kreditter og forbrugslån Credit facilities and consumer loans for various personal financing needs.
• Investering Investment products and advisory services, including Sparinvest funds.
• Pension Pension and retirement savings products for future financial security.
• MinKonto Basic banking account for young customers with digital-first services.
• MAX28 konto Banking account designed for customers aged 18-28 with enhanced benefits.
• Budgetkonto Budget account for managing monthly finances and tracking expenses.
• Lønkonto Salary account for receiving regular income and managing daily banking.
• Opsparingskonto Savings account for accumulating funds with competitive interest rates.
• Garant Current account product for daily banking transactions.
• Netbank Online banking platform for managing accounts, payments, and financial services via web browser.
• Mobilbank Mobile banking application for smartphone users to access banking services on the go.
• Mine Penge App Personal finance management app for tracking and managing personal finances.
• Fordelskunde Benefits program rewarding customers who consolidate their banking relationship with Dragsholm Sparekasse.

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Partnerships

Five partnerships are on record, tiered core and minor.

• SparinvestcoreTechnology or IntegrationInvestment product partnership providing investment funds and wealth management services to customers. The bank offers Sparinvest funds and publishes regular investment focus reports.
• Finans DanmarkminorOthersDanish financial industry association. The bank adheres to Finans Danmark's six behavioral principles for preventing money laundering and terrorist financing.
• NærpensionminorChannel Partner/ Reseller/ DistributorInsurance partner providing personal insurance products (personforsikring) through the bank's product offerings.
• PrivatsikringminorChannel Partner/ Reseller/ DistributorInsurance partner providing property/property damage insurance (skadesforsikring) through the bank's product offerings.
• MobilePaycoreTechnology or IntegrationMobile payment integration allowing customers to use MobilePay for transactions and payments through the bank's mobile banking platform.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Market position

Strengths4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCrMMBP7P8LTDKA8jT_oSS1Q
• Facebookfacebook.com/dragsholmsparekasse
• LinkedInlinkedin.com/company/dragsholm-sparekasse

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 Dragsholm Sparekasse