Stadt- und Kreissparkasse Erlangen Höchstadt Herzogenaurach

What Stadt- und Kreissparkasse Erlangen Höchstadt Herzogenaurach does

Stadt- und Kreissparkasse Erlangen Höchstadt Herzogenaurach is a German public-law savings bank (Anstalt des öffentlichen Rechts) headquartered in Erlangen, Bavaria. The bank serves retail (Privatkunden) and corporate (Firmenkunden) customers across the cities and districts of Erlangen, Höchstadt an der Aisch, and Herzogenaurach in Middle Franconia, including the Siemens-dominated Erlangen corporate ecosystem. As a member of the Sparkassen-Finanzgruppe, it operates under German public banking law with regulatory oversight from the European Central Bank and BaFin, and is governed by a board chaired by Johannes von Hebel alongside board members Matthias Mickmann and Verena Reidenbach.

The product portfolio spans current accounts (direkt GIRO, classic GIRO, mein GIRO), construction and consumer lending (Sparkassen-Baufinanzierung, S-Privatkredit, KfW-Förderkredite, Sparkassen-Klimakredit), savings and securities (Tagesgeld, Sparkassenbrief, DekaBank Depot, S Broker, SmartVermögen, S-Neo), insurance brokerage through Versicherungskammer Bayern, and retirement planning (Riester-Rente, Rürup-Rente, Wohn-Riester). Distribution is hybrid: physical branches, the Internet-Filiale online banking portal, the App Sparkasse mobile application, phone banking, and video advisory chat. Digital infrastructure includes S-pushTAN and chipTAN authentication, Geräteerkennung (device recognition), Wero instant SEPA payments, Multibanking aggregation, Card Control, and an electronic postbox. Compliance is anchored in GDPR/DS-GVO and DSGV dispute resolution.

Revenue is generated primarily through net interest income on loans and deposits, account and transaction fees, and commission income from distributing DekaBank investment products, Versicherungskammer Bayern insurance, and LBS-Bausparen. The bank is publicly owned, supervised by ECB and BaFin, and does not publish detailed financial statements. With approximately 119 employees, it operates as a mid-sized regional Sparkasse within Germany's largest banking group.

Name

Stadt- und Kreissparkasse Erlangen Höchstadt Herzogenaurach

Legal name

Stadt- und Kreissparkasse Erlangen Höchstadt Herzogenaurach

Website

https://sparkasse-erlangen.de

Company type

Private

Founded year

1829

Operating status

Operating

Headcount range

101–250 employees

Short description

German public-law savings bank serving retail and corporate customers in Erlangen, Höchstadt an der Aisch, and Herzogenaurach (Middle Franconia, Bavaria) through branches, online banking, and the App Sparkasse, as part of the Sparkassen-Finanzgruppe.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Savings Institutions and Other Depository Credit Intermediation (52218), Depository Credit Intermediation (5221), Finance and Insurance (52)

SIC

Savings Institutions, Not Federally Chartered (6036), Insurance Agents, Brokers & Service (6411), Real Estate Agents & Managers (For Others) (6531)

akta.pro primary industry

Mutual Savings Banks & Mutual Thrifts (FSABAEAD)

akta.pro secondary industries

Insurtech-Enabled Brokerage (Digital Brokers & Aggregators) (FSAEADAN), Retirement Plan Participant Advice & Managed Accounts (FSAEABAF), Retirement & Pension Planning (401(k)/IRA) (FSAEAAAD)

Keywords

• Retail banking services
• Construction financing
• Savings accounts
• Securities trading
• Insurance brokerage

Headquarters

HQ city

Erlangen, Bayern

HQ country

Germany

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Traditional banking revenue from interest margin on loans (mortgages, personal loans, construction financing) and credit products. Includes Sollzins (interest rates) on various loan products.
2. Account and Transaction Fees: Fees for account management, wire transfers, card transactions, and banking services.
3. Investment Products Distribution: Commission revenue from distributing investment funds (DekaBank, S Broker), insurance products (Versicherungskammer Bayern), and securities.
4. Bausparen Products: Building society savings products (LBS-Bausparen) generating account fees and loan interest income.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels7 records

Core offering

Stadt- und Kreissparkasse Erlangen Höchstadt Herzogenaurach is a German public-law savings bank (Sparkasse) serving retail and corporate customers in the Erlangen, Höchstadt an der Aisch, and Herzogenaurach region of Middle Franconia, Bavaria. It offers current accounts (Girokonten), debit and credit cards, savings products, construction and consumer financing, securities trading, insurance brokerage via Versicherungskammer Bayern, retirement planning (Riester, Rürup, private annuities), building society savings via LBS, and real estate services, delivered through branch, online, and mobile (App Sparkasse) channels.

Product overview

Stadt- und Kreissparkasse Erlangen Höchstadt Herzogenaurach offers a comprehensive, multi-channel banking platform organized around a core product portfolio of current accounts (Girokonten: direkt GIRO, classic GIRO, mein GIRO variants), supplemented by specialized lending products (Sparkassen-Baufinanzierung, S-Autokredit, S-Privatkredit, Sparkassen-Klimakredit, S-Modernisierungskredit, KfW-Förderkredite, Dispositionskredit, FlexiGeld), savings and investment products (S-Aktivsparen, S-Cash/Tagesgeld, S-Bonussparen, S-Zuwachssparen, Sparkassenbrief, Edelmetalle, VL-Sparen, SOLIT Edelmetalldepot, Spartöpfe), and securities trading via Sparkassen-Depot, DekaBank Depot, S Broker DepotPlus, bevestor, SmartVermögen, and S-Neo. The insurance arm provides over 25 products through the Versicherungsmanager platform including home, liability, legal, travel, dental, health, accident, vehicle, and nursing care insurance. Retirement solutions include BasisRente (Rürup-Rente), Riester-Rente, Wohn-Riester (LBS-Bausparen), Betriebliche Altersversorgung, Private Rentenversicherung, JuniorRente, Vermögensmanagement, SofortRente, and a dedicated Altersvorsorge für Frauen product. Real estate services encompass an Immobilienportal, S-ImmoPreisfinder, Neubau projects (SUNHILL, Studentenapartment), and LBS-Bausparen for home purchase and modernization. The digital banking ecosystem is anchored by the Online-Banking Internet-Filiale (web platform) and App Sparkasse (mobile app), supported by S-pushTAN-App and chipTAN for transaction authentication, Geräteerkennung for device-based login, Elektronisches Postfach for document delivery, Finanzplaner and Kontowecker for financial management, Multibanking for aggregating external accounts, Card Control for card management, Wero for instant SEPA payments, and Fotoüberweisung/GiroCode for bill scanning. Educational offerings include Finanzakademie with six structured learning journeys, and youth programs KNAX and Sparen für Kinder.

Differentiator

Problem solved

Functional benefit

Brands

• App Sparkasse: Mobile banking application for smartphones and tablets providing account access, transfers, and financial management features.
• S-pushTAN-App
• S-Banking
• LBS-Bausparen

Products and services

• direkt GIRO Digital current account for fully online banking customers with complete account management without branch visits.
• classic GIRO Standard current account offering full banking services including branch support and all standard banking features.
• mein GIRO Mitwachsendes Konto Growing current account that evolves from childhood through full banking features as the account holder matures.
• mein GIRO für Ausbildung und Studium Current account tailored for trainees and students with age-appropriate features and banking services.
• Sparkassen-Card DMC (Debitkarte) Bank debit card enabling cash withdrawals, payments, contactless transactions, and optional Apple Pay and Garmin Pay integration.
• Mastercard Standard (Kreditkarte) Classic credit card offering global acceptance, basic insurance benefits, and cashless payment capabilities.
• Mastercard Gold (Kreditkarte) Premium credit card with enhanced travel insurance, airport lounge access, and higher spending limits.
• Mastercard Platinum (Kreditkarte) High-end credit card offering exclusive travel benefits, concierge services, and premium insurance coverage.
• Sparkassen-Baufinanzierung Construction and mortgage financing for purchasing, building, or renovating residential property with fixed rates, flexible repayment, and digital or in-person application.
• S-Autokredit Specialized loan product for financing the purchase of new or used vehicles with competitive interest rates.
• S-Privatkredit Personal loan for general-purpose financing needs including debt consolidation, home improvements, or major purchases.
• S-Privatkredit Plus Enhanced personal loan product with additional features and flexible terms beyond the standard S-Privatkredit.
• FlexiGeld Flexible credit product allowing overdraft access with adjustable repayment terms.
• Sparkassen-Klimakredit Special-purpose loan product supporting environmentally friendly investments and sustainable financial decisions.
• S-Modernisierungskredit Loan product specifically designed for financing modernization and renovation projects of existing residential properties.
• Dispositionskredit Arranged overdraft facility attached to the current account, allowing customers to overdraw up to an approved limit.
• KfW-Förderkredite Government-subsidized loan programs offered in partnership with KfW bank, supporting energy efficiency, education, and entrepreneurship.
• S-Aktivsparen (Sparkassenbuch) Traditional savings book offering stable, low-risk savings with guaranteed availability and statutory deposit protection.
• S-Cash (Tagesgeld) Daily deposit (sight savings) product offering flexible access to funds with variable interest rates updated regularly.
• S-Bonussparen (Ratensparen) Bonus savings plan requiring regular monthly deposits, with bonus payments added upon reaching savings milestones.
• Sparkassenbrief Fixed-term savings bond offering higher guaranteed interest rates for a defined maturity period.
• VL-Sparen (Vermögenswirksame Leistungen) Government-supported savings product for employee capital-forming payments, with employer contributions and state subsidies.
• Sparkassen-Depot (Wertpapier-Depot) Securities custody account enabling customers to buy and hold stocks, bonds, funds, and other investment products with full online management.
• DekaBank Depot Securities depot in partnership with DekaBank offering access to Deka investment funds, ETFs, certificates, and managed portfolios.
• S Broker DepotPlus Advanced securities depot offered through S Broker providing access to a broad range of financial instruments and trading platforms.
• bevestor Digital wealth management service offering automated, algorithm-based investment portfolios tailored to individual risk profiles.
• SmartVermögen Robo-advisor service providing algorithmically managed, diversified investment portfolios with automatic rebalancing.
• BasisRente (Rürup-Rente) State-subsidized, tax-deductible private pension product providing a guaranteed lifetime annuity, particularly suited for self-employed and high-income individuals.
• Riester-Rente State-subsidized retirement savings product offering annual government allowances, tax advantages, and guaranteed payouts, with beneficiary protection.
• Wohn-Riester (LBS-Bausparen) Home-equity-linked Riester pension product combining building society savings with government subsidies to support home purchase, construction, or energy-efficient modernization.
• Private Rentenversicherung Private annuity insurance product providing regular income payments from a chosen retirement age with flexible contribution and payout options.
• Vermögensmanagement Professional wealth management service providing personalized investment strategy, portfolio management, and financial planning for high-net-worth individuals.
• LBS-Bausparen Building society savings product enabling customers to build equity and secure favorable loan rates for home purchase, renovation, or refinancing, with state subsidy programs.
• Kfz-Versicherung Motor vehicle insurance covering third-party liability, partial coverage, and full coverage for cars and motorcycles.
• Wohngebäude Vario Flexible residential building insurance covering structural damage, natural hazards, and liability risks for homeowners.
• Hausratversicherung Household contents insurance covering replacement or repair cost of personal belongings damaged by fire, water, theft, or vandalism.
• Privat-Haftpflichtversicherung Personal liability insurance protecting against claims from third parties for bodily injury, property damage, or financial losses caused by the policyholder.
• Berufsunfähigkeitsversicherung Occupational disability insurance providing income replacement if the policyholder becomes unable to work due to illness or injury.
• Reiseversicherung (Reiserücktrittsversicherung) Travel insurance covering trip cancellation, interruption, and emergency medical expenses for leisure travelers.
• Risiko-Lebensversicherung Term life insurance providing a lump-sum benefit to beneficiaries in the event of the policyholder's death.
• Unfallversicherung Accident insurance providing financial compensation for injuries, disabilities, or death resulting from accidents.
• PflegePRIVAT Premium Comprehensive private nursing care insurance providing coverage for long-term care costs in addition to statutory insurance.
• Zahnzusatzversicherung Supplemental dental insurance covering costs for dental treatments, prostheses, and orthodontics beyond statutory dental coverage.
• Immobilienportal Real estate marketplace enabling customers to search for, compare, and list residential properties across the bank's regional footprint.
• Online-Banking (Internet-Filiale) Comprehensive digital banking platform accessible via web browser enabling account management, transfers, standing orders, and document access with pushTAN or chipTAN security.
• App Sparkasse Multi-award-winning mobile banking application for smartphones and tablets offering account management, transfers via photo or QR code, Wero payments, Multibanking, and Card Control.

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

Feature5 records

Partnerships

Six partnerships are on record, tiered core.

• LBS (Landesbausparkasse)coreStrategic or Co-development PartnerLBS is the building society of the Sparkassen-Finanzgruppe. The partnership provides LBS-Bausparen products for home savings, construction financing, and state-subsidized savings (Wohnungsbauprämie, Riester, Wohn-Riester) enabling customers to build equity and secure favorable loan rates for home purchases and renovations.
• DekaBankcoreTechnology or IntegrationDekaBank provides investment fund products, ETFs, certificates, and asset management services. The Sparkasse distributes Deka funds (Deka-FondsSparplan, Deka ETFs), manages DekaBank Depots for customers, and offers Deka Vermögensverwaltung Premium services.
• S BrokercoreChannel Partner/ Reseller/ DistributorS Broker is the securities trading platform of the Sparkassen-Finanzgruppe. Customers can access S Broker DepotPlus through the Sparkasse for self-directed securities trading alongside managed Deka investments.
• Versicherungskammer Bayern (VKB)coreChannel Partner/ Reseller/ DistributorVersicherungskammer Bayern is Germany's largest public insurer. As a tied insurance agent (gebundener Versicherungsvertreter), the Sparkasse distributes VKB insurance products including Rürup-Rente (BasisRente), Riester-Rente, and comprehensive property and casualty insurance.
• Sparkassen-FinanzgruppecoreStrategic or Co-development PartnerUmbrella organization of German savings banks providing shared technology platforms, product frameworks, marketing campaigns, training (Finanzakademie), and collective brand value. Enables cross-Sparkasse services like Wero instant payments and shared ATM network.
• Deutscher Sparkassen- und Giroverband e.V. (DSGV)coreStrategic or Co-development PartnerPeak association of German savings banks overseeing standards, lobbying, and the consumer dispute resolution scheme (Schlichtungsstelle). Responsible for Sparkasse brand governance and sector representation.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Stadtsparkasse München: Bavarian municipal Sparkasse offering a similar Anstalt des öffentlichen Rechts structure, full-service banking, and Sparkassen-Finanzgruppe product set. Highly comparable as another regional Bavarian Sparkasse with similar regulatory and operational profile.
• Sparkasse Nürnberg: Largest Sparkasse in the same Bavarian region (Middle Franconia), offering a comparable full-service retail and corporate banking product suite. Directly comparable as a regional public-law savings bank serving an adjacent Middle Franconian territory.
• Kreissparkasse München Starnberg Ebersberg: Bavarian Kreis-Sparkasse operating under the same Sparkassen-Finanzgruppe framework, serving retail and corporate customers around Munich. Directly comparable in mandate, product offering, and digital banking platform.
• Volksbank Raiffeisenbank Erlangen-Höchstadt-Herzogenaurach: Local cooperative bank (Volksbank) operating in the same Erlangen-Höchstadt-Herzogenaurach territory. The most direct local competitor, offering a parallel cooperative-banking alternative to this Sparkasse's public-law banking model.

Broad incumbents

• Sparkasse KölnBonn: One of Germany's largest Sparkassen, serving a major metropolitan region. Comparable in business model and product universe but with significantly larger scale, broader geographic coverage, and more corporate banking capability.
• HypoVereinsbank (UniCredit): Major German universal bank active in Bavaria, including the Erlangen region. Comparable in serving retail and corporate customers with mortgages, investments, and insurance, but operates as a commercial bank rather than a public-law institution.
• Commerzbank: Major German universal bank offering retail, corporate, and investment banking products. Comparable on retail and SME banking in Germany but with a broader geographic footprint and corporate focus than this regional Sparkasse.

Emerging players

• DKB (Deutsche Kreditbank): Direct bank with strong digital proposition in retail banking, Brokerage, and consumer credit. Comparable as a competitor for digital-native retail customers in the same German market, but with a different ownership structure (BayernLB).
• ING Deutschland: Direct bank competing for retail deposits, consumer credit, and brokerage customers with a mobile-first offering. Comparable on retail banking products but operates as a commercial entity without branch network or public mandate.

Others

• Versicherungskammer Bayern (VKB): Germany's largest public insurer and the Sparkasse's tied insurance distribution partner. Comparable as a fellow public-law financial services institution within the S-Finanzgruppe/Sparkassen ecosystem with aligned mission and customer base.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Facebookde-de.facebook.com/sparkasse.erlangen
• LinkedInlinkedin.com/company/stadt-und-kreissparkasse-erlangen-h%C3%B6chstadt-herzogenaurach
• Instagraminstagram.com/sparkasse_erlangen

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Stadt- und Kreissparkasse Erlangen Höchstadt Herzogenaurach