Sparkasse Baden
- Company typePrivate
- Founded1819
- HeadquartersBaden, Austria
- Headcount51–100
- GTM typeB2C
- OfferingServices
Sparkasse Baden firmographics
Firmographics- Name
- Sparkasse Baden
- Legal name
- Sparkasse Baden
- Website
- https://sparkassebaden.at
- Company type
- Private
- Founded year
- 1819
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Ownership category
- akta.pro rank
Sparkasse Baden industry classification
Industry- Product category
- Retail Banking
- NAICS
- Savings Institutions and Other Depository Credit Intermediation (522180), Depository Credit Intermediation (5221)
- SIC
- Savings Institutions, Not Federally Chartered (6036), Personal Credit Institutions (6141), Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Mutual Savings Banks & Mutual Thrifts (FSABAEAD)
Keywords
Where Sparkasse Baden is headquartered
LocationHeadquarters
- HQ city
- Baden
- HQ country
- Austria
- HQ region
- Europe
Offices1 record
Markets served
Sparkasse Baden business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales
Revenue model
- Net Interest Income: Core banking revenue from lending activities including residential mortgages (Wohnkredit), consumer loans, auto financing, and leasing. Interest is earned on mortgage loans, personal loans, and building society (Bausparen) products.
- Account & Card Fees: Monthly account maintenance fees (s Plus Konto, s Konto, s Kompakt Konto), credit card issuance and annual fees (Smartcard, Premiumcard), and transaction fees for domestic and international payments.
- Insurance Commission: Sparkasse Baden acts as a tied insurance agent for Wiener Städtische Versicherung AG Vienna Insurance Group, earning commissions on all mediated insurance products including life insurance, health insurance, accident insurance, home insurance, and legal protection insurance. These commissions are included in the insurance premiums.
- Payment Services: Revenue from payment processing, card transactions, and digital payment services including mobile payments via Apple Pay and Google Pay.
- Wealth Management & Securities: Fees from securities trading, investment funds, portfolio management (Vermögensverwaltung Premium), and gold depot services.
- Vehicle Leasing: Leasing revenue through Erste Bank und Sparkassen Leasing GmbH for automobiles, motorcycles, and commercial vehicles.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Quarterly | s Plus Konto — Full-featured account with personal advisory and comprehensive services |
| Subscription | Quarterly | s Konto — Standard account with core features |
| Subscription | Quarterly | s Kompakt Konto — Online-focused account product |
| Subscription | Annual | spark7 / Studenten Konto — Free account for students up to age 27 |
| Subscription | Annual | Smartcard (Mastercard/Visa) — Entry-level credit card |
| Subscription | Annual | Premiumcard (Mastercard/Visa) — Premium credit card with lounge access and travel insurance |
| Subscription | Annual | Austrian Miles & More Credit Cards — Co-branded travel rewards card |
| Subscription | Monthly | Online-Kredit — Consumer loan up to 50,000 EUR |
| Subscription | Monthly | Vehicle Leasing — Auto leasing through s Leasing (Erste Bank und Sparkassen Leasing GmbH) |
Go-to-market motion1 record
Distribution channels7 records
Marketing channels8 records
Sparkasse Baden product offering
Product offeringCore offering
Sparkasse Baden is a regional Austrian savings bank that provides retail banking products and services to private individuals, businesses, and liberal professions in the Baden region of Lower Austria. Its core offerings include current and savings accounts, debit and credit cards, residential mortgages and consumer loans, vehicle leasing, insurance mediation, and investment/securities products, delivered through the George digital banking platform and a physical branch network.
Product overview
Sparkasse Baden operates as a regional Austrian bank and part of the Erste Bank and Sparkassen Group, offering a comprehensive financial services portfolio. The core banking platform is George (web and mobile app), which serves as the primary interface for all banking services including account management, payments, investments, and financial planning tools. The product portfolio spans current and savings accounts (Girokonto variants, Sparkonto, Bausparen), real estate financing (s Wohnkredit with mortgage, Bauspardarlehen, s Baukonto, s Wohnbaukonto), consumer lending (Online-Kredit up to 50,000 EUR, Sanierungskredit, Autoleasing/s Leasing), credit cards (Smartcard, Premiumcard, and Austrian Miles & More co-branded cards with Priority Pass benefits), insurance products (person and property insurance through Wiener Städtische), investment products (securities including stocks, bonds, funds, ETFs, and physical gold via Gold-Sparplan starting at 50 EUR monthly), and automated savings features (Rundungssparen, Move & Save). The George platform integrates mobile payments (Apple Pay, Google Pay, Garmin Pay, Swatch Pay) and provides financial calculators and research tools.
Differentiator
Problem solved
Functional benefit
Brands
- George: Digital banking platform and mobile app offered by Sparkasse Baden and the Austrian Sparkassen network for online and mobile banking services.
- George Junior
Products and services
- George Digital Banking Platform Digital banking platform (web and mobile app) enabling account management, transfers, card controls, spending insights, goal tracking, investment management, biometric login, and George ID authentication for Sparkasse Baden customers.
- Girokonto (s Plus Konto, s Konto, s Kompakt Konto) Current account products in three variants (s Plus Konto with advisory, s Konto standard, s Kompakt Konto online-focused) offering checking, transfers, and debit card functionality with varying fee structures for private individuals.
- spark7 / Studenten Konto Free account for Austrian university students up to age 27, providing affordable banking during studies.
- s Wohnkredit (Hypothekenkredit) Mortgage loan for purchasing, building, or renovating real estate, with fixed interest, EURIBOR linkage, or interest adjustment clause options, and maximum loan amounts up to 310,000 EUR per person.
- Online-Kredit (Konsumkredit) Consumer credit product for amounts up to 50,000 EUR with terms up to 10 years, fully processable online including application, approval, and disbursement.
- Smartcard (Mastercard/Visa) Entry-level credit card offering flexible payment, Umsatzbonus, installment options, and compatibility with Apple Pay, Google Pay, and smartwatch payments.
- Premiumcard (Mastercard/Visa) Premium credit card with comprehensive travel insurance, Priority Pass lounge access, higher credit limits, and exclusive benefits including 7% discount on travel bookings through partner portal.
- Austrian Miles & More Credit Cards Co-branded credit cards with Lufthansa's Miles & More loyalty program offering miles collection, Priority Pass lounge access, travel insurance, and foreign currency cashback. Available as Smartcard and Premiumcard variants for private and business customers.
- s Leasing (Vehicle Leasing) Vehicle leasing service for cars, motorcycles, and trucks through Erste Bank und Sparkassen Leasing GmbH, with online calculation and digital application process, including e-Ladebonus for electric vehicles.
- Insurance Products (Personen- und Sachversicherungen) Mediated insurance products including life insurance, health insurance, accident insurance, home/household insurance, and legal protection insurance, distributed through Wiener Städtische Versicherung AG.
- Gold-Sparplan (s Gold Plan) Physical gold savings plan allowing regular monthly investments starting at 50 EUR in Wiener Philharmoniker gold coins (1 oz, 1/2 oz) and 100g gold bars, with tax advantages and physical delivery option. Gold is stored at Geldservice Austria in Vienna.
- Wertpapiere (Securities: Aktien, Anleihen, Fonds, ETFs) Securities products including stocks, bonds, ETFs, and investment funds available for investment with advisory services and digital trading through George.
- Wertpapier-Sparplan (Securities Savings Plan) Securities savings plan enabling regular investments in funds, ETFs, or stocks with flexible amounts and automatic execution.
- Kfz-Leasing für Unternehmen (Commercial Fleet Leasing) Fleet leasing service for businesses including individual offers, e-Ladebonus for electric vehicles, complete packages for financing, insurance, and vehicle registration.
Quantifiable outcome
- 200+ years of continuous operation since 1819
- +3 more outcomes
Companies that use Sparkasse Baden
Customer profileSegments6 records
Ideal customer profiles3 records
Sparkasse Baden technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration20 records
Feature7 records
Sparkasse Baden partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core and minor.
- Miles & More (Miles & More GmbH)coreMiles & More is a loyalty program of the Lufthansa Group with over 36 million participants. Sparkasse Baden (via Erste Bank and Sparkassen) offers co-branded Austrian Miles & More credit cards (Premiumcard and Business variants) allowing cardholders to earn miles on eligible purchases, enjoy Priority Pass airport lounge access, and access Austrian Airlines benefits.
- Wiener Städtische Versicherung AG (Vienna Insurance Group)coreSparkasse Baden acts as a tied insurance agent (vertraglich gebundener Versicherungsagent) for Wiener Städtische Versicherung AG. Products include life insurance, health insurance, accident insurance, home insurance, and legal protection insurance. The bank receives commissions included in the insurance premiums for all mediated contracts.
- Erste Bank und Sparkassen Leasing GmbHcores Leasing is a joint leasing company of Erste Bank and the Austrian Sparkassen group. It provides vehicle leasing (cars, motorcycles, trucks) for both private and business customers. Sparkasse Baden offers s Leasing products as part of its financing portfolio.
- Western UnionminorWestern Union enables global money transfer services at Sparkasse Baden locations, allowing customers to send and receive money worldwide at approximately 500,000 locations.
- Apple Pay and Google PaycoreApple Pay and Google Pay mobile payment services are integrated into Sparkasse Baden's debit and credit cards, allowing customers to pay with their smartphone or smartwatch at NFC terminals.
- Münze Österreich AGminorMünze Österreich AG (Austrian Mint) produces the Wiener Philharmoniker gold coins sold through Sparkasse Baden's Gold-Sparplan. The coins are VAT-exempt and recognized as legal tender in Austria.
- Ford (via s Leasing)minorFord vehicles are featured in current leasing promotions through s Leasing, including Ford Capri, Ford Explorer, Ford E-Transit Courier, Ford E-Transit Custom, and Ford Transit Custom at discounted monthly rates.
- Sonnentor (via Wiener Städtische)minorSonnentor-Box offered as a welcome gift for new insurance policyholders who sign up through Sparkasse Baden for qualifying Wiener Städtische insurance products (life, accident, health, home, or legal protection) between January 1 and September 30, 2026.
- Urlaub & Sparen (oeticket.com)minorTravel booking platform offering 7% direct discount on travel bookings when paid with a Premiumcard (Mastercard or Visa) from Erste Bank and Sparkasse. The platform offers flights, hotels, and package holidays.
- Card CompleteminorCard Complete was the previous provider of the Miles & More credit card. The transition to the new Erste Bank and Sparkasse Miles & More cards allows existing Card Complete cardholders to have their previous card limit considered during the new application process.
Scale indicators2 records
Recent moves6 records
Expansion highlights5 records
Sparkasse Baden competitors and assessment
Company assessmentEmerging players
- N26: Berlin-based digital-only bank with significant Austrian customer base offering mobile-first current accounts, savings, and payments. N26 competes for the same younger, digital-first retail customers that Sparkasse Baden targets through its George Junior and student products.
- Revolut: Global digital banking app operating in Austria offering multi-currency accounts, payments, and increasingly full banking services via its EU banking license. Targets the same younger retail demographic with lower-cost, mobile-first propositions.
Direct peers
- UniCredit Bank Austria: Major Austrian retail bank (subsidiary of UniCredit) offering full-service retail and commercial banking including accounts, mortgages, consumer finance, credit cards, and investments. Direct competitor across all of Sparkasse Baden's core product lines in the Austrian market.
- BAWAG Group: One of Austria's largest retail and commercial banks offering current accounts, mortgages, consumer credit, credit cards, securities, and insurance. BAWAG competes directly with Sparkasse Baden in the Austrian retail banking market and operates a digital-plus-branch model.
- Erste Group Bank: The parent/affiliate of Sparkasse Baden and operator of the George banking platform used by Sparkasse Baden. Erste Group runs the same retail banking model, product suite, and digital infrastructure across Austria and CEE, making it the most direct structural comparable.
- Volksbank Wien / Volksbanken Verbund: Austrian cooperative banking group offering retail and commercial banking products (accounts, mortgages, consumer loans, securities) across regional Volksbanken franchises. Comparable cooperative structure and regional branch model to the Sparkassen network.
- Raiffeisen Bank International / Raiffeisen Bank Austria: Austria's other major cooperative banking group, operating a parallel regional savings-cooperative network with comparable retail banking products (accounts, mortgages, consumer credit, insurance, leasing). Raiffeisen banks compete head-to-head with Sparkassen in the same Austrian retail and SME market.
Others
- Western Union: International money transfer service provider that Sparkasse Baden partners with to offer global remittances at its branches. Comparable as a service adjacency — Western Union's transfer corridor business overlaps with bank-mediated remittance services and shares retail customer relationships.
Broad incumbents
- ING Austria (ING-DiBa Austria): European digital retail bank with Austrian operations offering free checking accounts, savings, consumer credit, and securities. Operates at greater scale than Sparkasse Baden with similar low-fee, branch-light model and competes for the same digitally-engaged retail customers.
Regional players
- HYPO Niederösterreich (HYPO NOE): Regional bank headquartered in Lower Austria, the same federal state where Sparkasse Baden operates. HYPO NOE focuses on housing finance and regional retail/SME banking, providing direct regional overlap and competition within Lower Austria.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Sparkasse Baden social profiles
Digital presenceSparkasse Baden financial estimates
Financial estimateRevenue estimate
Valuation estimate
Sparkasse Baden leadership team
Management profileNumber of profiles
Sparkasse Baden funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Sparkasse Baden 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 Baden
What does Sparkasse Baden do?
Sparkasse Baden is a regional Austrian savings bank that provides retail banking products and services to private individuals, businesses, and liberal professions in the Baden region of Lower Austria. Its core offerings include current and savings accounts, debit and credit cards, residential mortgages and consumer loans, vehicle leasing, insurance mediation, and investment/securities products, delivered through the George digital banking platform and a physical branch network.
Is Sparkasse Baden a public or private company?
Sparkasse Baden is a private company. It is classified as corporate owned and is currently operating.
When was Sparkasse Baden founded?
Sparkasse Baden was founded in 1819. It employs 51 to 100 people.
Where is Sparkasse Baden based?
Sparkasse Baden is headquartered in Baden, Austria, in the Europe region.
How does Sparkasse Baden make money?
Six revenue lines are on record. Net Interest Income is the primary driver. The others are account & Card Fees, insurance Commission, payment Services, wealth Management & Securities and vehicle Leasing.
Who are Sparkasse Baden's main competitors?
Emerging players on record are N26 and Revolut. Direct peers are UniCredit Bank Austria, BAWAG Group, Erste Group Bank, Volksbank Wien / Volksbanken Verbund and Raiffeisen Bank International / Raiffeisen Bank Austria. Western Union is listed as an others. ING Austria (ING-DiBa Austria) is listed as a broad incumbent. HYPO Niederösterreich (HYPO NOE) is listed as a regional player.
Does Sparkasse Baden have an API?
No public API is recorded for Sparkasse Baden.
What industry is Sparkasse Baden in?
Sparkasse Baden's product category is Retail Banking. Its primary akta.pro industry code is FSABAEAD, Mutual Savings Banks & Mutual Thrifts. Its NAICS code is 522180 and its SIC code is 6036.