What Sparda-Bank Nürnberg eG does

Sparda-Bank Nürnberg eG is a regional cooperative bank (eingetragene Genossenschaft) founded in 1930 and headquartered in Nürnberg, Bayern, Germany, serving private retail customers in the Franconia region (Nordbayern). The bank operates through five branch locations (Nürnberg, Bamberg, Erlangen, Schweinfurt, Würzburg) complemented by a digital banking platform including web-based online banking and the SpardaBanking App for iOS and Android. As a cooperative, customers become members by purchasing shares (up to 250 shares per member), aligning the institution with its customer base rather than external shareholders.

The product portfolio spans four current account models (SpardaGiroOnline, SpardaGiroKlassik, SpardaGiroWertvoll, SpardaGiroYoung), savings and term deposit products (SpardaTagesgeld, SpardaTagesgeldZukunft, SpardaTermin), mortgage and modernization loans, Mastercard credit cards (ClassicCard, GoldCard, BasicCard), investment products via Union Investment (MeinInvest/VermögenPlus), and insurance distribution (DEVK cyber insurance). Real estate services are offered through wholly-owned subsidiary SpardaImmobilienWelt GmbH. The technology backbone is supplied by Atruvia, which provides the core banking platform, the PSD2-compliant XS2A open banking interface, and the FinTS/HBCI endpoint for third-party financial software integration. Security is layered through SpardaSecureGo+ (2FA mobile app with biometric support) and Sm@rt-TAN chipTAN generators.

Revenue is generated through interest income on lending and savings products, account and transaction fees, credit card annual fees and interchange, and affiliate/referral revenue from partner products (Union Investment funds, Reisebank foreign currency, TeamBank easyCredit personal loans, DEVK insurance, GENO Broker securities, Bausparkasse Schwäbisch Hall building savings). The bank has been recognized as 'Fairster Baufinanzierer' for 15 consecutive years in all five categories and holds multiple "SEHR GUT" product ratings. Most recently, the bank completed a major IT infrastructure migration in July 2025, launching a new online banking platform, redesigned mobile app, and new authentication application, alongside the rollout of Wero European instant payments and iOS mobile payment capabilities.

Name

Sparda-Bank Nürnberg eG

Legal name

Sparda-Bank Nürnberg eG

Website

https://sparda-n.de

Company type

Private

Operating status

Operating

Headcount range

101–250 employees

Short description

Sparda-Bank Nürnberg eG is a regional cooperative bank headquartered in Nürnberg, Germany, serving private retail customers across the Franconia region through five branches, online banking, and the SpardaBanking App, offering current accounts, savings, mortgages, credit cards, and investment products as a member-owned institution.

Ownership category

akta.pro rank

Headquarters

HQ city

Nürnberg

HQ country

Germany

HQ region

Europe

Offices5 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Traditional cooperative bank revenue from interest rate spreads on lending products (mortgages, personal loans) and savings products (term deposits, current accounts). Interest rates for various products are publicly advertised.
2. Account and Transaction Fees: Fees for account maintenance, transactions, overdrafts, credit card usage, and foreign currency transactions. Free basic accounts with conditions; premium accounts with annual fees.
3. Credit Card Revenue: Annual fees for Mastercard ClassicCard (29€), GoldCard (79€), BasicCard (29€), plus foreign transaction fees (2%) and cash withdrawal fees (2%, min 5€).
4. Insurance Distribution: Partnership revenue from insurance products including DEVK cyber insurance and other insurance offerings.
5. Securities and Investment Products: Revenue sharing from Union Investment fund distribution (MeinInvest/VermögenPlus), precious metals sales via Reisebank partnership, and securities brokerage through GENO Broker.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels8 records

Core offering

Sparda-Bank Nürnberg eG is a regional German cooperative bank providing retail banking products and services to private individuals and families across the Franconia region. Its core offerings include multiple checking account models (SpardaGiroOnline, SpardaGiroKlassik, SpardaGiroWertvoll, SpardaGiroYoung), savings and term deposit products (SpardaTagesgeld, SpardaTermin), mortgage and home financing (Baufinanzierung, Modernisierungskredit), personal loans (easyCredit), Mastercard credit cards, investment funds via Union Investment, and ancillary services such as cyber insurance, real estate brokerage via subsidiary SpardaImmobilienWelt, and safe deposit boxes, delivered through branches, online banking, and the SpardaBanking mobile app.

Product overview

Sparda-Bank Nürnberg eG is a German cooperative bank offering a comprehensive, multi-channel banking platform. The product portfolio centers on multiple current account models (SpardaGiroOnline, SpardaGiroKlassik, SpardaGiroWertvoll, SpardaGiroYoung) as the primary customer relationship, supplemented by savings products (SpardaTagesgeld, SpardaTagesgeldZukunft, SpardaTermin term deposits), investment services via Union Investment (MeinInvest/VermögenPlus, Fonds & Aktien), and loan products (Baufinanzierung mortgage loans, Modernisierungskredit modernization loans, easyCredit personal loans). The digital banking platform consists of Online-Banking (web) and the SpardaBanking App (iOS/Android), secured by two-factor authentication tools SpardaSecureGo+ and Sm@rt-TAN chipTAN. Payment capabilities include debit card (girocard), credit cards (Mastercard ClassicCard, GoldCard, BasicCard), mobile payments (Apple Pay, Android NFC via SpardaBanking App, Wero), and PSD2-compliant third-party integrations. Additional services include cyber insurance (via DEVK), real estate services via SpardaImmobilienWelt GmbH, precious metals, safe deposit boxes, and a KIARA chatbot for customer inquiries.

Differentiator

Problem solved

Functional benefit

Brands

• SpardaGiroOnline: Free online current account for customers who manage their banking exclusively online
• SpardaGiroKlassik
• SpardaGiroWertvoll
• SpardaGiroYoung
• SpardaTermin
• SpardaTagesgeld
• SpardaTagesgeldZukunft
• SpardaSecureGo+
• SpardaBanking App
• Mastercard ClassicCard
• Mastercard GoldCard
• Mastercard BasicCard
• PIA

Products and services

• SpardaGiroOnline A fee-free online-only checking account for customers managing all banking digitally, offering 4.00% p.a. interest for 6 months on up to 50,000€ for new customers plus a 100€ new customer bonus.
• SpardaGiroKlassik A basic current account combining traditional branch-based service with standard banking features, offering 3.00% p.a. interest for 9 months on up to 50,000€ for new customers.
• SpardaGiroWertvoll A premium current account offering enhanced benefits including a free Mastercard credit card, rated 'SEHR GUT' as the best checking account in the region.
• SpardaGiroYoung A current account tailored for young customers, available only as an individual account with a 50€ new customer bonus.
• SpardaTagesgeld A daily-access savings account offering 0.40% p.a. interest with a minimum balance of 1,500€ for earning interest, accessible via phone, branch, or online banking.
• SpardaTagesgeldZukunft A special savings account for new funds and maturing investments earning 1.25% p.a. interest from the first cent.
• SpardaTermin A term deposit product with fixed interest rates ranging from 1.25% to 2.75% p.a. across terms of 30 days to 5 years and minimum deposit of 2,500€.
• Baufinanzierung (Darlehen) A construction financing loan product with fixed interest rates and clear loan terms of 10 years, awarded 'Fairster Baufinanzierer' for 15 consecutive years in all five categories.
• Modernisierungskredit A modernization credit for increasing living comfort and securing property value, rated 'SEHR GUT' as best modernization credit.
• easyCredit Personal Loan A flexible personal loan offering amounts from 1,000€ to 75,000€ with terms from 12 to 84 months, plus a financial flexibility buffer (up to 25,000€) for on-demand drawdowns with interest charged only on used amounts.
• Mastercard ClassicCard A Mastercard credit card with 4% travel bonus on vacation bookings via Urlaubsplus, free payments in the Euro area, and Mastercard Identity Check security; annual fee 29€ (free with SpardaGiroWertvoll).
• Mastercard GoldCard A premium Mastercard credit card offering up to 10% travel bonus, comprehensive travel insurance, and worldwide flexibility; annual fee 79€ (29€ with SpardaGiroWertvoll).
• Mastercard BasicCard (Reloadable) A rechargeable Mastercard debit card for youth from age 12 and anyone wanting secure worldwide payments, with maximum reload limit of 2,000€ and no overdraft capability; annual fee 29€.
• girocard (Debitkarte) A standard German debit card (girocard) offering flexible everyday payments with PIN or contactless functionality and free cash withdrawals at approximately 16,500 ATMs nationwide.
• Online-Banking Platform A comprehensive web-based digital banking platform enabling account management, transfers, standing orders, direct debits, card management, FinTS integration with financial software, 90-day 2FA re-authentication, browser recognition, instant payments, and push notifications for balance changes.
• SpardaBanking App A mobile banking application for iOS and Android smartphones and tablets offering full banking functionality including account overview, transfers, Wero payments, card management, push notifications, biometric authentication (Face ID, fingerprint), and mobile payments (Apple Pay, Android NFC).
• SpardaSecureGo+ App A two-factor authentication (2FA) mobile application for approving transactions and logins in online banking, supporting up to 3 devices, 5-minute approval window, biometric or password authentication, and card linking for credit card online payments.
• Wero Instant Payment Service A European real-time payment service from the European Payments Initiative (EPI) enabling instant money transfers via mobile number or email directly from a Giro account, with buyer protection for online purchases; available in Germany, France, and Belgium.
• Fonds & Aktien (Funds & Stocks) Investment products offering growth and diversification through exchange-listed investments including funds and stocks, provided in partnership with Union Investment.
• Fest & Invest (Combined Investment) A combined investment product pairing one-third SpardaTermin term deposit with two-thirds Union Investment fund products, requiring a minimum investment of 30,000€ with advisory services.
• Edelmetalle (Precious Metals) Precious metals investment products including gold bars and coins (e.g., Maple Leaf, Krügerrand, American Eagle, Wiener Philharmoniker, Heraeus bars) available online from a 50€ minimum up to 14,999.99€.
• Gewinnsparen (Savings Lottery) A savings-with-lottery product combining regular saving with chances to win cash prizes through monthly draws, with winnings viewable in online banking.
• DEVK Cyberversicherung (Cyber Insurance) A cyber insurance product provided in partnership with DEVK, protecting customers against digital risks such as online fraud, data breaches, and cyber attacks.
• SpardaImmobilienWelt GmbH (Real Estate Services) A wholly-owned real estate subsidiary offering comprehensive property services including free non-binding property valuation, property sales support, and purchase assistance, with current listings in Nürnberg, Nordbayern, and Schwaben.
• Safe Deposit Boxes (Schließfächer) Safe deposit boxes available in selected branches (Bamberg, Erlangen, Nürnberg Eilgutstraße, Nürnberg Sonnenstraße, Schweinfurt, Würzburg) with insurance coverage up to 50,000€ against burglary, robbery, fire, and water damage.
• PIA (Baufinanzierung Auszahlen Platform) A digital construction financing disbursement platform enabling customers to submit disbursement requests, upload invoices, and track payment status online via smartphone, tablet, or PC.
• Card Blocking Service (Sperr-Notruf 116 116) A 24/7 card and online banking blocking service accessible via the central blocking hotline 116 116 (free in Germany, chargeable abroad) for immediate card cancellation in case of loss or theft.

Quantifiable outcome

• Named 'Fairster Baufinanzierer' for 15 consecutive years in all five categories
• +3 more outcomes

Segments1 record

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration24 records

AI capability2 records

Feature4 records

Partnerships

Nine partnerships are on record, tiered core and secondary.

• Union InvestmentcoreStrategic or Co-development PartnerPartnership for investment and fund products through MeinInvest and VermögenPlus platforms. Customers can access fund investments, manage portfolios, and receive investment advice through the online banking interface. Union Investment is the asset management arm of the DZ Bank cooperative financial group.
• ReisebankcoreChannel Partner/ Reseller/ DistributorPartnership for foreign currency services and precious metals (gold, silver) sales and buying. Reisebank, a 100% subsidiary of DZ BANK AG and part of the cooperative financial group, provides currency ordering and physical delivery services for customers.
• TeamBank AG (easyCredit)secondaryChannel Partner/ Reseller/ DistributorDistribution partnership for easyCredit personal loans offering flexible credit from 1,000€ to 75,000€ with terms from 12 to 84 months. The product includes a flexible financial scope (finanzieller Spielraum) of up to 25,000€.
• DEVK VersicherungensecondaryChannel Partner/ Reseller/ DistributorPartnership for cyber insurance products protecting customers from digital risks and online threats.
• KfW (Kreditanstalt für Wiederaufbau)coreChannel Partner/ Reseller/ DistributorGovernment development bank providing subsidized loans for energy-efficient building renovation and construction. The bank facilitates KfW subsidy programs for qualified home improvement and construction projects.
• SpardaImmobilienWelt GmbHcoreStrategic or Co-development PartnerSubsidiary company offering comprehensive real estate services including property valuation, buying, and selling support. The company operates as part of the Sparda-Bank group serving customers in Nürnberg, Nordbayern, and Schwaben regions.
• GENO BrokersecondaryChannel Partner/ Reseller/ DistributorPartnership for securities brokerage services providing access to stock trading and investment products through the GENO Broker platform integrated with online banking.
• AtruviacoreTechnology or IntegrationIT service provider and core banking system partner. Atruvia provides the technical infrastructure for online banking, the SpardaBanking App, and the PSD2 XS2A interface for third-party providers. FinTS URL for financial software integration: https://fints2.atruvia.de/cgi-bin/hbciservlet
• Bausparkasse Schwäbisch HallsecondaryChannel Partner/ Reseller/ DistributorPartnership for building savings products (Bausparen) offered as part of the comprehensive savings and investment product lineup.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Direct peers

• Sparda-Bank München: A fellow regional Sparda-Banken cooperative serving retail customers in Munich/Bavaria with the same product suite (current accounts, savings, mortgages, Union Investment distribution). Directly comparable cooperative model, distribution strategy, and partnership stack.
• DKB (Deutsche Kreditbank): A direct bank (owned by BayernLB) competing for retail checking, savings, and mortgage customers in Germany with a fully digital model. Comparable product mix and customer segment without branch network.
• Sparda-Bank Hamburg: Another Sparda-Banken cooperative serving northern Germany retail customers under the same Genossenschaftsbank framework, offering Girokonten, SpardaTermin deposits, and Baufinanzierung via the Atruvia IT backbone.
• Volksbanken Raiffeisenbanken: The other major German cooperative banking group. Operates as member-owned local banks with shared DZ Bank/Atruvia IT, comparable product portfolios (checking, savings, mortgages, investment distribution), and similar franchise logic.
• Targobank: A retail-focused bank offering checking, credit cards, consumer credit, and savings across both branch and digital channels. Comparable customer segment with a hybrid model, owned by Crédit Mutuel.
• ING-DiBa: Germany's largest direct bank, offering fee-free checking, savings, securities, and mortgages digitally. Targets the same retail customers as Sparda-Bank Nürnberg but without physical branches — the primary digital competitor in Franconia.
• Sparkasse Nürnberg: The dominant public-sector savings bank in the same Nürnberg/Franconia geography. Directly competes for retail deposits, mortgages, and Baufinanzierung with a parallel branch-plus-digital model under the Sparkassen brand.
• comdirect (Commerzbank): A direct-bank subsidiary of Commerzbank offering checking, savings, securities, and consumer credit digitally. Directly competes for Sparda-Bank's digitally active retail customers.

Emerging players

• N26: A Berlin-based neobank offering mobile-first checking, savings, and investment products. Represents the digitally native competitive threat to traditional Sparda-Bank retail customers, particularly younger segments.

Broad incumbents

• HypoVereinsbank (UniCredit): A large universal bank (UniCredit subsidiary) operating across Bavaria with full branch and digital channels. Competes with Sparda-Bank in mortgages, savings, and Baufinanzierung but as part of a much broader corporate, wealth, and investment banking portfolio.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/spardabank_nuernberg
• YouTubeyoutube.com/@sparda-bank-nuernberg
• Facebookfacebook.com/spardanuernberg
• LinkedInlinkedin.com/company/sparda-bank-n%C3%BCrnberg-eg
• Instagraminstagram.com/spardabanknuernberg/?hl=de
• TikToktiktok.com/@spardabank_nuernberg?lang=de-DE

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Sparda-Bank Nürnberg eG