PSD Bank RheinNeckarSaar eG

What PSD Bank RheinNeckarSaar eG does

PSD Bank RheinNeckarSaar eG is a German cooperative bank (eingetragene Genossenschaft, eG) headquartered in Stuttgart and operating across the Rhine-Neckar-Saar region. Founded in 1872 (per firmographic data, though not directly confirmed in the operating source material), it is part of the PSD Bank Group, a network of regional cooperative banks. As a member-owned institution (Genossenschaftsbank), the bank is accountable to its members rather than external shareholders and operates under the cooperative banking regulatory and deposit-protection framework. With a headcount of 54, the institution sits firmly in the small regional retail-bank tier.

The product portfolio is organized into two main pillars. The first is retail banking: FestGeld fixed-term deposits, Kündigungsgeld notice deposits, Girokonto current accounts (GiroKomfort and GiroYoung), Gewinnsparen prize-linked savings, and the meinDepot securities depot. The second is residential mortgage and real estate financing (Baufinanzierung), supported by the PSD Wohnkompass platform that bundles online calculators, Immobilienschnellbewertung (quick property valuation) and modernization financing tools. Distribution is omnichannel: a regional branch network, a Beratung-zuhause (home consultation) service for complex products, online appointment booking, the PSD Banking App, and a referral program (Kunden werben Kunden). A dedicated young-customer platform (Young World) and a free partnership with the ubiMaster FINANCE App target under-27 account holders as a deliberate customer-acquisition track.

The business model is conventional retail banking. Revenue streams are interest income from mortgage and modernization lending, interest spread on deposits, account and service fees (monthly account charges, overdraft, card fees), and transaction fees on securities trading - notably waived for the under-31 meinDepot cohort. Pricing varies by product (e.g., FestGeld headline rate 2.50%) and is structured to drive long-term member relationships rather than transactional volume. The bank supplements commercial activity with the PSD L(i)ebensWert foundation, which channels cooperative-banking identity into regional social projects. No funding rounds, M&A, or external capital signals are present, consistent with a self-funded member-owned cooperative.

Name

PSD Bank RheinNeckarSaar eG

Legal name

PSD Bank RheinNeckarSaar eG

Website

https://psd-rns.de

Company type

Private

Operating status

Operating

Headcount range

51–100 employees

Short description

PSD Bank RheinNeckarSaar eG is a small, member-owned German cooperative bank headquartered in Stuttgart, serving retail customers in the Rhine-Neckar-Saar region with savings accounts, current accounts, residential mortgage financing, and securities services distributed via branches, home consultation and digital channels.

Ownership category

akta.pro rank

Product category

Retail Banking (Cooperative 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

Full-Service Retail Brokerage & Wealth Platforms (FSAAAAAA)

akta.pro secondary industry

Digital/Hybrid Private Wealth (Robo-Enabled HNW Service) (FSAAABAO)

Keywords

• Retail banking services
• Cooperative banking
• Mortgage financing
• Savings products
• Securities brokerage

Headquarters

HQ city

Regional coverage - Rhine-Neckar-Saar

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income from Lending: Traditional banking revenue from mortgage loans (Baufinanzierung), modernization loans, and other credit products offered to retail customers
2. Deposit Taking and Savings Products: Interest paid to depositors on savings products including FestGeld (fixed-term deposits), Kündigungsgeld (notice deposits), and Girokonto current accounts
3. Securities Trading and Brokerage: Revenue from securities depot (meinDepot) services, including trading commissions for young customers under 31 years
4. Account and Service Fees: Monthly account fees, transaction fees, and service charges for banking services including overdraft facilities

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels6 records

Core offering

PSD Bank RheinNeckarSaar eG is a regional cooperative bank (Genossenschaftsbank) providing retail and private banking products to members and customers in the Rhine-Neckar-Saar region of Germany. Its core offerings include mortgage financing (Baufinanzierung), fixed-term deposits (FestGeld), notice deposits (Kündigungsgeld), current accounts (Girokonto/GiroKomfort), a free youth current account (GiroYoung), a securities depot (meinDepot), and prize-linked savings (Gewinnsparen). Services are delivered through an omnichannel mix of digital self-serve platforms (Online-Banking, PSD Banking App, Wohnkompass), a regional branch network, and free home consultation for complex products.

Product overview

PSD Bank RheinNeckarSaar eG is a cooperative bank offering a comprehensive suite of banking products and services organized as a unified platform with specialized modules. The core banking products include FestGeld (fixed-term deposit), Kündigungsgeld (notice deposit), Girokonto (current account), and Gewinnsparen (prize-linked savings). For young customers, GiroYoung provides a free current account with bonus features, complemented by the ubiMaster FINANCE App for financial education. meinDepot offers securities trading for customers under 31. The bank's specialty lies in Baufinanzierung (mortgage/construction financing) supported by the PSD WohnKompass module featuring online calculators, property valuations, and housing services. Digital access is provided through Online-Banking and the Banking App. All products are integrated under the cooperative banking model, emphasizing regional service, transparency, and member-focused pricing.

Differentiator

Problem solved

Functional benefit

Brands

• PSD FestGeld: Fixed-term deposit product with attractive interest rates
• PSD Kündigungsgeld
• PSD GiroKomfort
• PSD GiroYoung
• PSD Gewinnsparen
• meinDepot

Products and services

• PSD FestGeld A fixed-term deposit product offering an attractive interest rate (currently 2.50%) with a predetermined maturity period, for retail savers seeking predictable returns.
• PSD Kündigungsgeld A notice deposit account providing flexible access to savings while earning competitive interest rates, with a defined notice period before withdrawal.
• PSD GiroKomfort (Girokonto) A full-featured current account offering extra bonus incentives and comprehensive account services for everyday retail banking needs.
• PSD Gewinnsparen A prize-linked savings product where customers purchase tickets (€5 each) for an opportunity to win prizes while saving and contributing to charitable causes.
• PSD GiroYoung A free current account for customers up to 27 years old, including 2 complimentary cards and €30 starting credit, plus free online financial tutoring via the ubiMaster App.
• meinDepot A securities depot for customers under 31 years old offering €0 custody fees and preferential trading conditions for self-directed retail investors.
• Baufinanzierung Mortgage and construction financing solutions tailored to individual needs for purchasing, modernizing, or renovating residential properties, supported by the Wohnkompass platform and Beratung zuhause.
• PSD WohnKompass An online real estate services platform providing calculators, mortgage calculation tools, and property valuation (Immobilienschnellbewertung) to support housing and financing decisions.
• PSD Online-Banking A web-based digital banking platform enabling customers to manage banking transactions and services online.

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Two partnerships are on record, tiered minor and core.

• ubiMasterminorGTM or Marketing PartnerubiMaster FINANCE App partnership providing free financial education content exclusively for PSD GiroYoung customers. The app offers step-by-step financial knowledge building and is offered free to young account holders.
• PSD L(i)ebensWert FoundationcoreStrategic or Co-development PartnerPSD Bank's own foundation (stiftung) focused on supporting social projects in the Rhine-Neckar-Saar region. Operates as part of the bank's community engagement and social commitment strategy.

Scale indicators1 record

Recent moves6 records

Expansion highlights6 records

Market position

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/psd-bank-rheinneckarsaar-eg

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 record

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 PSD Bank RheinNeckarSaar eG