Sparkasse Berchtesgadener Land

What Sparkasse Berchtesgadener Land does

Sparkasse Berchtesgadener Land is a regional German savings bank organized as an Anstalt des öffentlichen Rechts (public-law institution), headquartered in Bad Reichenhall, Bavaria, with Bankleitzahl 71050000 and BIC BYLADEM1BGL. The bank operates within the Sparkassen-Finanzgruppe and serves retail (Privatkunden) and business (Firmenkunden) customers across the Berchtesgadener Land region through a universal banking model spanning current accounts, savings, lending, securities, insurance, retirement planning, and real estate brokerage. Two primary customer segments are targeted — general retail consumers and young adults (Junge Leute) — with products tailored for each, including the digital-first S-Neo investment depot and the youth-oriented S-XTENSION account bundled with Mastercard XTENSION.

Name

Sparkasse Berchtesgadener Land

Legal name

Sparkasse Berchtesgadener Land

Website

https://sparkasse-bgl.de

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Depository Credit Intermediation (5221), Savings Institutions and Other Depository Credit Intermediation (522180), Real Estate Credit (522292), Offices of Real Estate Agents and Brokers (53121)

SIC

Mortgage Bankers & Loan Correspondents (6162), Real Estate Agents & Managers (For Others) (6531)

akta.pro primary industry

Bank Branch / Retail Purchase Mortgages (FSALAAAA)

akta.pro secondary industries

Purchase Mortgage Origination (Homebuyer Focused) (FSALAAAD), Rate-and-Term Refinance Origination (FSALAAAE), Residential Real Estate Brokerage (Buy/Sell) (FSAEAJAA)

Keywords

• Retail banking services
• Savings accounts
• Mortgage lending
• Personal loans
• Investment products

Headquarters

HQ city

Bad Reichenhall

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. Core Banking (Deposits & Lending): Traditional banking revenue from interest margins on retail deposits (Girokonto, Tagesgeld, Sparkassenbuch) and lending products (Baufinanzierung, S-Privatkredit, S-Autokredit, Dispositionskredit). Revenue generated through net interest income.
2. Payment Card Fees: Revenue from Mastercard credit cards (Standard, Gold, XTENSION) and Sparkassen-Card debit card operations, including interchange fees.
3. Investment Products & Securities Trading: Revenue from securities brokerage (Sparkassen-Depot, S-Broker DepotPlus, S-Neo), Deka investment funds, ETFs, and asset management products.
4. Insurance Intermediation: Commission revenue from insurance products (Wohngebäude, Kfz, Haftpflicht, Hausrat, Unfall, Zahnzusatz, Krankenhaus-Zusatz, Berufsunfähigkeit) as a Versicherungsvertreter.
5. Building Society Products (LBS): Revenue from LBS building savings contracts, including fees for contract conclusion and loan administration.
6. Real Estate Brokerage: Revenue from real estate intermediation services as a licensed real estate broker (Immobilienmakler) for the Berchtesgadener Land region.

Pricing tiers

Go-to-market motion1 record

Distribution channels7 records

Marketing channels8 records

Core offering

Sparkasse Berchtesgadener Land is a regional German savings bank offering a comprehensive suite of retail and business banking services. Its core offering includes current accounts (Girokonto), savings products (Tagesgeld, Sparkassenbrief, Sparkassenbuch), credit and financing (mortgages, personal loans, auto loans, overdrafts), investment products (securities depots, funds, ETFs, precious metals), insurance intermediation, building savings via LBS, and real estate brokerage, delivered through a regional branch network and digital channels (Online-Banking, Sparkassen-App, Wero instant payments, Chatbot Linda).

Product overview

Sparkasse Berchtesgadener Land operates as a regional public-law bank (Anstalt des öffentlichen Rechts) headquartered in Bad Reichenhall, offering a comprehensive and diversified portfolio of retail banking products and services. The offering is organized as a platform-plus-modules architecture centered on core current account (Girokonto) and online banking infrastructure (Online-Banking, App Sparkasse), extended across six primary product categories: (1) Giro & Cards — including tiered S-Giro account models (S-Giro BGL klassik/komfort/plus, S XTENSION), Sparkassen-Card debit card with optional PAYBACK integration, and Mastercard Standard/Gold/XTENSION credit cards; (2) Credit & Financing — covering S-Privatkredit and S-Privatkredit Plus (up to 80,000 EUR via S-Kreditpartner), S-Autokredit, Sparkassen-Baufinanzierung, Dispositionskredit, Kreditoptimierung, and KfW-Förderkredite; (3) Savings & Investment — encompassing Tagesgeldkonto, Sparkassenbrief/Sparkassenbuch, VL-Sparen, PS-Sparen, Edelmetalle, Sparkassen-Depot/S-Broker DepotPlus, DekaBank Depot, Deka-Vermögensverwaltung Premium, bevestor (automated advisory), Kinderdepot, and S-Neo (mobile-first ETF/fund/stock depot in the Sparkasse app); (4) Retirement & Insurance — including LBS-Bausparen with full state subsidy support (Wohnungsbau-Prämie, Arbeitnehmer-Sparzulage, Wohn-Riester), BasisRente/Riester-Rente/JuniorRente/SofortRente, S-Versicherungsmanager, and property/casualty/health insurance products via Versicherungskammer Bayern; (5) Real Estate — offering an Immobilienportal, Immobilien-Maklerservice, S-ImmoPreisfinder, and full buy/sell/finance/rent/insure lifecycle services; and (6) Digital Banking Add-ons — including Wero (instant P2P payments), S-pushTAN-App, chipTAN, Geräteerkennung (trusted device management), Multibanking, Card-Control, Kontowecker, Elektronisches Postfach, Finanzplaner, Spartöpfe, Finanzakademie, Mein GesundheitsManager (VKB health app with NECT identity verification), and AI-powered chatbot Linda. The product portfolio reflects a full-service universal bank model typical of German Sparkassen, with strong emphasis on digital channels, local presence, and integration within the Sparkassen-Finanzgruppe.

Differentiator

Problem solved

Functional benefit

Products and services

• S-Giro BGL klassik Tiered current account (Girokonto) product providing core banking services with a basic fee/feature structure for retail customers in the Berchtesgadener Land region.
• S-Giro BGL komfort Tiered current account product providing core banking services with enhanced features for retail customers seeking additional benefits beyond the klassik tier.
• S-Giro BGL plus Premium current account product providing core banking services with additional premium features and benefits for retail customers.
• S XTENSION (Young Adults Account) Account and card package designed for young adult customers, combining a current account with a Mastercard XTENSION credit card.
• Sparkassen-Card (Mastercard Debit) Debit card issued on the Mastercard network, optionally linked to PAYBACK for collecting loyalty points, enabling contactless payments and ATM withdrawals.
• Mastercard Standard (Credit Card) Standard-tier Mastercard credit card for retail customers with core revolving credit functionality.
• Mastercard Gold (Credit Card) Gold-tier Mastercard credit card for retail customers with travel insurance and enhanced benefits.
• Mastercard XTENSION (Credit Card) XTENSION-tier Mastercard credit card for retail customers with extended features and benefits.
• S-Privatkredit Personal loan offered in partnership with S-Kreditpartner (Berlin), providing credit amounts up to 80,000 EUR with terms of 12-120 months, instant credit decisions, and flexible repayment including unlimited special repayments.
• S-Privatkredit Plus Enhanced personal loan variant offering additional planning security for purposes such as home renovations or new household appliances, with flexible terms and conditions.
• S-Autokredit Specialized auto financing loan for purchasing vehicles, offered through S-Kreditpartner with competitive rates and flexible repayment structures.
• Sparkassen-Baufinanzierung Real estate financing product providing mortgages and construction loans for purchasing or building residential property, supported by the bank's local expertise.
• KfW-Förderkredite Government-subsidized development loans administered through KfW Bankengruppe for energy-efficient construction, renovation, and investments.
• Dispositionskredit (Authorized Overdraft) Authorized overdraft facility on the current account providing short-term liquidity access up to an agreed credit limit.
• Kreditoptimierung (Loan Consolidation) Loan consolidation and optimization service combining multiple existing loans into a single manageable repayment, simplifying finances and potentially reducing interest costs.
• Ratenkredit aus Kontoumsätzen Installment credit offer based on account turnover analysis, providing pre-approved loan offers to eligible customers through S-Kreditpartner.
• Tagesgeldkonto Daily deposit savings account offering variable interest rates with immediate access to funds, serving as a flexible savings vehicle.
• Sparkassenbrief / Sparkassenbuch Fixed-term (Sparkassenbrief) and traditional passbook (Sparkassenbuch) savings products providing guaranteed interest rates over defined periods.
• VL-Sparen (Vermögenswirksame Leistungen) Savings product enabling employees to invest employer-provided vermögenswirksame Leistungen, optionally combined with LBS building savings, with access to government subsidies such as the Arbeitnehmer-Sparzulage.
• PS-Sparen und Gewinnen Prize-linked savings product combining savings accumulation with lottery-style prize drawings, offering monthly prize opportunities.
• SOLIT Edelmetalldepot Tarif S Precious metals depot product enabling customers to invest in gold, silver, and other precious metals through a structured savings plan.
• Sparkassen-Depot (Securities Account) Securities depot product for holding and managing investments in stocks, bonds, funds, and ETFs.
• S-Broker DepotPlus Online securities brokerage depot offering enhanced trading features and broader market access through S-Broker, the online brokerage subsidiary of the Sparkassen-Finanzgruppe.
• S-Neo (Digital Investment Depot) Digital securities depot accessible via the Sparkassen app enabling customers to invest in ETFs, funds, and stocks starting with small amounts. Targets new investors with mobile-first UX.
• Kinderdepot (Children's Securities Account) Securities depot designed for children and minors, enabling parents to invest on behalf of their children with long-term savings potential.
• bevestor (Automated Investment Advisory) Digital investment advisory service providing automated, algorithm-driven financial advice and portfolio recommendations based on individual investor profiles.
• DekaBank Depot (DekaBank Securities Account) Investment and asset management product provided through DekaBank, the investment arm of the Sparkassen-Finanzgruppe, for holding Deka securities.
• Deka-Vermögensverwaltung Premium (Managed Portfolio) Premium managed portfolio service from DekaBank providing discretionary asset management for retail customers seeking professionally managed wealth portfolios.
• Fonds-Sparplan / ETF-Sparplan / Aktien-Sparplan Recurring investment plan products enabling regular monthly investments in funds, ETFs, or individual stocks with small amounts, supporting long-term wealth building.
• Edelmetalle (Physical Precious Metals) Precious metals investment service enabling customers to purchase and hold physical gold and silver, with options for delivery or custody in a managed depot.
• LBS-Bausparen (Building Savings Contract) Building savings product offered in partnership with LBS (Landesbausparkasse Süd), providing savings plans with state subsidies (Wohnungsbau-Prämie, Arbeitnehmer-Sparzulage, Wohn-Riester) and access to low-interest Bauspardarlehen. Example: LBS-Z8 tariff for 50,000 EUR Bausparsumme.
• Sparkassen-Altersvorsorge (Riester, Rürup, JuniorRente, SofortRente, Private Rentenversicherung) Retirement savings and pension products including BasisRente (Rürup), Riester-Rente, JuniorRente for children, SofortRente for immediate income, and private pension insurance, offered in partnership with Versicherungskammer Bayern.
• Wohn-Riester (Riester-Bausparvertrag) State-subsidized home ownership product combining LBS building savings with Riester pension subsidies, offering annual allowances of up to 175 EUR plus child allowances and a 200 EUR starter bonus for under-25s.
• Betriebliche Altersversorgung (bAV) Employer-sponsored retirement planning product enabling employees to save for retirement through salary conversion schemes, with potential employer matching contributions.
• Wohngebäude Vario (Buildings Insurance) Buildings insurance product protecting homeowners against damage to residential property structures, offered in partnership with Versicherungskammer Bayern.
• Kfz-Versicherung (Motor Vehicle Insurance) Motor vehicle insurance products covering cars and mopeds, offered as part of the bank's insurance intermediation portfolio with Versicherungskammer Bayern.
• Privat-Haftpflichtversicherung (Personal Liability Insurance) Personal liability insurance covering third-party claims arising from private life activities, offered in partnership with Versicherungskammer Bayern.
• Hausratversicherung (Household Contents Insurance) Household contents insurance covering damage to or loss of personal property in the home, offered in partnership with Versicherungskammer Bayern.
• Unfallversicherung (Accident Insurance) Accident insurance providing financial protection in case of accidental injury or death, offered in partnership with Versicherungskammer Bayern.
• Berufsunfähigkeitsversicherung (Occupational Disability Insurance) Income protection insurance providing benefits in case of occupational disability, offered through Versicherungskammer Bayern.
• Supplementary Health Insurance (Krankenhaus-Zusatz, Zahnzusatz, S-Gesundheits-Schutz) Supplementary health insurance products covering hospital stays, dental care, and general health protection, offered in partnership with Versicherungskammer Bayern.
• Reiseversicherung (Travel Cancellation Insurance) Travel cancellation insurance covering trip interruption costs, offered as a standalone product or bundled with Mastercard credit cards.
• Junge Versicherungen (Young Customer Insurance Package) Tailored insurance package for young customers covering personal liability, household contents, and accident insurance at reduced rates for the under-30 age group.
• Immobilien-Maklerservice (Real Estate Brokerage) Full-service real estate brokerage for residential properties including valuation, marketing, negotiation, and transaction support, operating through Germany's largest real estate agent network.
• Sparkassen-App (Mobile Banking) Mobile banking application for iOS and Android offering full banking functionality including account management, transfers, pushTAN approvals, Wero payments, multibanking, card control, and biometric login. Germany's most-used banking app.
• Online-Banking (Internet Filiale) Browser-based online banking platform accessible at any time, supporting account management, transfers, standing orders, electronic postbox, pushTAN and chipTAN authentication, and device recognition.
• Mein GesundheitsManager (Health Insurance Manager App) Mobile service app for Versicherungskammer Bayern (VKB) health insurance customers enabling submission of medical bills via photo upload, barcode scanning, or PDF upload, direct in-app payment, and receipt of Leistungsabrechnungen via a personal digital postbox with NECT identity verification.
• Wero (Instant Mobile Payment) Instant mobile payment and peer-to-peer money transfer service enabling users to send and receive money in under 10 seconds, integrated into the Sparkasse app.
• S-pushTAN-App (Mobile TAN Authentication) Mobile application for generating transaction authentication numbers (TAN) to authorize online banking transactions, supporting multilingual interfaces (English, French, Polish, Czech, Turkish, Ukrainian) and biometric approval.

Quantifiable outcome

• Wero instant payment transfers in under 10 seconds
• +3 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability2 records

Feature9 records

Partnerships

Seven partnerships are on record, tiered core.

• LBS Landesbausparkasse Süd (LBS Süd)coreStrategic or Co-development PartnerLBS Süd is the building society (Bausparkasse) of the Sparkassen-Finanzgruppe operating in Bavaria. Sparkasse Berchtesgadener Land offers LBS building savings products including LBS-Z8 tariff, state-subsidized building savings (Wohnungsbau-Prämie, Wohn-Riester, vermögenswirksame Leistungen). LBS provides the Bauspardarlehen (building society loan) product while Sparkasse distributes and services the product.
• DekaBank (Deka Investments)coreStrategic or Co-development PartnerDekaBank is the investment arm of the Sparkassen-Finanzgruppe. Sparkasse offers Deka investment funds, Deka ETFs, Deka certificates, Deka-Vermögensverwaltung Premium, and the DekaBank Depot. The partnership enables Sparkasse to offer a comprehensive investment product range.
• S-Kreditpartner GmbHcoreStrategic or Co-development PartnerS-Kreditpartner GmbH is the specialized consumer and auto finance company within the Sparkassen-Finanzgruppe, based in Berlin. They process S-Privatkredit and S-Autokredit applications from Sparkasse customers. The partnership provides instant credit decisions and same-day payouts via online QES signing.
• S-BrokercoreChannel Partner/ Reseller/ DistributorS-Broker is the online brokerage subsidiary of the Sparkassen-Finanzgruppe. Sparkasse Berchtesgadener Land offers the S-Broker DepotPlus alongside its own Sparkassen-Depot, enabling customers to access broader securities trading capabilities.
• Versicherungskammer Bayern (VKB)coreStrategic or Co-development PartnerVersicherungskammer Bayern is the regional public insurance provider for Bavaria. Sparkasse Berchtesgadener Land offers VKB insurance products including health insurance manager app (Mein GesundheitsManager). The bank operates as Versicherungsvertreter (insurance agent) for VKB products (registered with D-BBMP-7N68T-65).
• PAYBACKcoreGTM or Marketing PartnerPAYBACK is Germany's largest loyalty program. Sparkasse Berchtesgadener Land integrates PAYBACK points collection with the Sparkassen-Card (debit card). Customers can link their card and earn PAYBACK points at partners including Aral, dm, EDEKA, and Netto Marken-Discount.
• Sparkassen-Finanzgruppe (German Savings Banks Association)coreStrategic or Co-development PartnerThe Sparkassen-Finanzgruppe is Germany's largest banking and financial services network. Sparkasse Berchtesgadener Land is a member institution, benefiting from shared technology infrastructure (S-pushTAN, Sparkassen-App, Online-Banking platforms), product partnerships (Deka, LBS, S-Broker, S-Kreditpartner), and the DSGV dispute resolution scheme.

Scale indicators1 record

Recent moves6 records

Expansion highlights6 records

Emerging players

• N26 Bank GmbH: Berlin-based mobile-first neobank offering current accounts, cards, and increasingly brokerage across Germany and the euro area. Represents the digital-native competitive threat for younger retail customers in the Sparkasse's catchment.
• DKB (Deutsche Kreditbank): Direct bank subsidiary of BayernLB with a digital-first retail model offering checking, savings, brokerage, and consumer loans nationwide. Competes for digitally oriented retail customers in the Berchtesgadener Land catchment that might otherwise default to the Sparkasse.
• ING Deutschland: Digital-first direct bank offering Girokonto, Tagesgeld, consumer loans, brokerage, and mortgage products through a mobile-led model. Targets the same retail and younger customer segments the Sparkasse is courting through S-Neo and S XTENSION.

Direct peers

• Sparkasse München: Much larger Bavarian Sparkasse serving the Munich metropolitan area with the same product suite, digital platform, and Sparkassen-Finanzgruppe affiliation. Representative larger-scale reference point for the regional Sparkassen model.
• Volksbank Raiffeisenbank Oberbayern Südost eG: Local cooperative bank (Genossenschaftsbank) operating in the same southeastern Bavarian region, providing overlapping retail and SMB banking, mortgage, and insurance products. Direct competitor to the Sparkasse within the catchment area with a similar branch-led relationship model.
• Sparkasse Rosenheim-Bad Aibling: Adjacent Bavarian Sparkasse operating a similar retail and SMB banking model with comparable digital channels (Sparkassen-App, pushTAN, S-Neo) and the same Sparkassen-Finanzgruppe integration. Useful comp for benchmarking regional product, digital, and ESG positioning.
• Kreissparkasse Traunstein: Another Bavarian regional Sparkasse headquartered in Traunstein, sharing the same regulatory framework, product suite (Sparkassen-Finanzgruppe), and geographic proximity in Upper Bavaria. Highly comparable in scale, branch-based model, and customer segments to Sparkasse Berchtesgadener Land.

Broad incumbents

• TARGOBANK AG: Consumer-focused bank with nationwide branch and digital presence offering current accounts, consumer loans, credit cards, and brokerage. Comparable in its retail-and-consumer-finance mix and a competitor for cross-sell products like S-Privatkredit and Mastercard credit cards.
• Deutsche Bank AG: Germany's largest universal bank with a national retail and commercial banking franchise. Competes with the Sparkasse for retail deposits, mortgages, and investment products, though its model and target segments are broader and more urban-focused.
• HypoVereinsbank (UniCredit Bank GmbH): Major private-sector German universal bank with a strong Bavarian footprint, offering retail and corporate banking, mortgages, and investment products that overlap with Sparkasse Berchtesgadener Land's offerings. Competes for higher-end retail and SMB customers in the region.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/playlist?list=PLsYPO7ej4R3Zxt9OwnvaXVytcJxlNka7s
• Facebookfacebook.com/Sparkasse.Berchtesgadener.Land
• Instagraminstagram.com/sparkassebgl
• LinkedInlinkedin.com/company/sparkasse-berchtesgadener-land

Compliance3 records

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 Sparkasse Berchtesgadener Land