Sparkasse Forchheim
Sparkasse Forchheim is a German public savings bank in Forchheim, Bavaria, serving retail, business, and young customers with current accounts, lending, savings, investments, insurance, and real estate services through branch and digital channels as part of the Sparkassen-Finanzgruppe.
- Company typePrivate
- Founded-
- HeadquartersForchheim, Germany
- Headcount51–100
- GTM typeB2C
- OfferingServices
What Sparkasse Forchheim does
Sparkasse Forchheim is a German public savings bank (Sparkasse) operating as an Anstalt des öffentlichen Rechts from its headquarters at Klosterstraße 14 in Forchheim, Bavaria. The bank serves three primary customer segments — Privatkunden (retail), Firmenkunden (business/SMB), and Junge Leute (young people and students) — through a hybrid distribution model combining a physical branch with comprehensive digital channels including Online-Banking, the Sparkassen-App, S-pushTAN authentication, Wero instant payments, Sparkasse@Home video advisory, phone service, and the Linda chatbot. Its product portfolio spans current accounts (Girokonto with FOrteilsKonto and GiroYoung variants), Mastercard/Visa debit and credit cards, lending products (S-Baufinanzierung mortgages, S-Modernisierungskredit, S-Privatkredit, Sparkassen-Klimakredit), savings and deposit products (Tagesgeld, Sparkassenbuch Digital, Sparkassenbrief), securities and wealth (Sparkassen-Depot, S-Broker DepotPlus, Deka investments, SmartVermögen, bevestor, S-Neo), building society savings with state subsidies (LBS-Bausparen, Wohn-Riester), bundled insurance packages (S-Privat-Schutz, S-Immobilien-Schutz, S-Gesundheits-Schutz), and real estate services including the S-ImmoPreisfinder valuation tool.
The business model relies on traditional banking interest income from mortgage and personal loans, account and card fees, and commission revenue from distributing third-party investment products (via DekaBank), insurance, and LBS building society contracts with government subsidies. Pricing is partially transparent for lending products (S-Modernisierungskredit disclosed at 4.43%–4.69% effective APR). The bank is governed by Chairman Harald Reinsch and Board Member Christian Rinker, is supervised by the European Central Bank and BaFin, holds Bankleitzahl 76351040 (BIC BYLADEM1FOR), and is part of the nationwide Sparkassen-Finanzgruppe, from which it derives shared technology infrastructure, product platforms, brand equity, and collective regulatory standing. With approximately 90 employees, Sparkasse Forchheim operates as a stable, locally anchored public-law institution rather than a venture-backed or growth-stage entity.
Sparkasse Forchheim firmographics
Firmographics- Name
- Sparkasse Forchheim
- Legal name
- Sparkasse Forchheim
- Website
- https://sparkasse-forchheim.de
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Sparkasse Forchheim is a German public savings bank in Forchheim, Bavaria, serving retail, business, and young customers with current accounts, lending, savings, investments, insurance, and real estate services through branch and digital channels as part of the Sparkassen-Finanzgruppe.
- Ownership category
- akta.pro rank
Where Sparkasse Forchheim is headquartered
LocationHeadquarters
- HQ city
- Forchheim
- HQ country
- Germany
- HQ region
- Europe
Offices1 record
Markets served
Sparkasse Forchheim business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others
Revenue model
- Interest Income: Traditional banking interest income from mortgage loans (Baufinanzierung), personal loans (S-Privatkredit), modernization loans (S-Modernisierungskredit), and other credit products. The S-Modernisierungskredit offers amounts from 2,500 to 75,000 EUR with terms from 12 to 180 months.
- Account and Card Fees: Fees from giro accounts (Girokonto), credit cards (Mastercard, Visa), and debit cards (Sparkassen-Card). Various account models available including FOrteilsKonto, GiroYoung.
- Investment Products Distribution: Commission revenue from distributing investment products including Deka investment funds, ETFs, certificates, and wealth management services. Brokerage services through S-Broker DepotPlus.
- Insurance Distribution: Commission income from insurance products offered including S-Privat-Schutz, S-Immobilien-Schutz, S-Gesundheits-Schutz, and various individual insurance products.
- LBS Bausparvertrag Distribution: Commission from LBS building society savings contracts, which offer government subsidies including Wohnungsbau-Prämie (10%), Arbeitnehmer-Sparzulage (9%), and Wohn-Riester.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | S-Modernisierungskredit with flexible loan amounts and terms |
Go-to-market motion1 record
Distribution channels6 records
Marketing channels6 records
Sparkasse Forchheim product offering
Product offeringCore offering
Sparkasse Forchheim is a regional German savings bank offering a full range of retail and business banking services, including current accounts, debit and credit cards, consumer and mortgage loans, savings and term deposit products, investment and brokerage services, building society savings, insurance distribution, and real estate services. Distribution is multi-channel, combining a local branch network in the Forchheim region with comprehensive online and mobile banking platforms, phone service, chat, and video consultation.
Product overview
Sparkasse Forchheim operates as a German savings bank (Sparkasse) offering a comprehensive digital banking platform alongside traditional branch services. The product portfolio spans core banking (Girokonto, credit cards, debit cards), lending products (S-Baufinanzierung mortgage, S-Modernisierungskredit, S-Privatkredit, Sparkassen-Klimakredit), savings and investment products (Tagesgeld, Sparkassenbuch Digital, Sparkassen-Depot, Deka Investments, S Broker DepotPlus), building society savings (LBS-Bausparen with state subsidies including Wohn-Riester), insurance packages, and real estate services. Digital services include Online-Banking via browser and mobile (Sparkassen-App), S-pushTAN authentication, Wero instant payments, Elektronisches Postfach, Multibanking, Card Control, Finanzplaner, SmartVermögen digital wealth management, Sparkassen-Finanzkonzept holistic planning, and Sparkasse@Home video advisory. Youth offerings include GiroYoung, KNAX-Digital, and Money Genius Island financial education. The bank integrates third-party services for analytics (Google Analytics, intelliAd), advertising (Google Ads, DoubleClick, Adform), maps (YellowMap/SmartMaps), performance monitoring (Dynatrace), bot protection (Friendly Captcha), and AI-powered customer support via the 'Linda' chatbot.
Differentiator
Problem solved
Functional benefit
Brands
- LBS-Bausparen: Building society savings product offered in partnership with LBS (Landesbausparkasse), enabling customers to save for homeownership with state subsidies and favorable interest rates.
- Wohn-Riester
- Sparkassen-Finanzkonzept
- Sparkassen-Baufinanzierung (S-Baufinanzierung)
Products and services
- Girokonto (Current Account) Primary checking account for retail customers in multiple tiers, including FOrteilsKonto for adults, GiroYoung for youth, and HausbankFOrteil for preferred customers, each bundled with a Sparkassen-Card debit card.
- Mastercard & Visa Credit and Debit Cards Range of Mastercard and Visa credit cards (Standard, Gold, Platinum, X-TENSION, Visa Classic) and debit cards (Mastercard Basis, Visa Basis) offered to retail and business customers, distributed in partnership with Mastercard and Visa.
- S-Baufinanzierung (Mortgage and Construction Financing) Mortgage and construction loan product for purchasing, building, or renovating real estate, offering fixed interest rates, flexible repayment options, and integration with state subsidies.
- S-Modernisierungskredit (Modernization Loan) Loan for home improvements and energy efficiency upgrades, with loan amounts from 2,500 to 75,000 EUR, terms from 12 to 180 months, and effective annual rates from 4.43% p.a.
- S-Privatkredit (Personal Loan) Unsecured personal loan for consumer purchases and general financial needs, offered to retail customers.
- Sparkassen-Klimakredit (Climate Loan) Specialized loan product supporting environmentally friendly investments and climate-related home improvements.
- Geldmarktkonto / Tagesgeld (Money Market / Daily Deposit Account) Daily deposit account with variable interest rates designed for short-term savings and liquidity management.
- Tagesgeld 35 (35-Day Notice Deposit) Notice deposit product with a 35-day notice period that offers higher interest rates than instant-access daily deposits.
- S-Turbosparen (Regular Savings Plan) Regular savings plan with systematic monthly contributions designed for long-term wealth building.
- Sparkassenbuch Digital (Digital Savings Book) Digital savings book offering secure savings with competitive interest rates, replacing the traditional paper passbook.
- Sparkassenbrief (Fixed-Term Savings) Fixed-term savings product with guaranteed interest rates for defined deposit periods.
- Sparkassen-Depot (Securities Account) Securities trading account for stocks, bonds, funds, and ETFs held and administered through the Sparkasse platform.
- S Broker DepotPlus (Online Brokerage) Online brokerage service for self-directed securities trading with competitive transaction fees.
- Online-Banking (Internet-Filiale) Web-based digital banking platform enabling account management, transfers, standing orders, and product applications, secured by pushTAN or chipTAN authentication and accessible 24/7.
- Sparkassen-App (Mobile Banking App) Mobile banking application for iOS and Android providing account access, transactions, card management, pushTAN authentication, Wero instant payments, and Card Control features on the go.
Companies that use Sparkasse Forchheim
Customer profileSegments3 records
Ideal customer profiles3 records
Sparkasse Forchheim technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration10 records
Feature4 records
Sparkasse Forchheim partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core and minor.
- LBS (Bausparkasse der Sparkassen)coreLBS is the building society affiliated with the Sparkassen-Finanzgruppe, providing home savings contracts (Bausparverträge) with government subsidies. Sparkasse Forchheim distributes LBS products including contracts with Wohnungsbau-Prämie, Arbeitnehmer-Sparzulage, and Wohn-Riester. The partnership enables customers to access subsidized home ownership financing with long-term interest rate security.
- DekaBankcoreDekaBank provides investment products distributed by Sparkasse Forchheim including Deka ETFs, Deka investment funds, certificates, and wealth management services. Customers can access DekaBank depot services through the Sparkasse platform with documents delivered via the electronic postfach.
- Sparkassen-FinanzgruppecoreSparkasse Forchheim is part of the nationwide Sparkassen-Finanzgruppe (German Savings Banks Finance Group), one of the largest financial services providers in Germany. This network provides shared technology infrastructure, product platforms, brand recognition, and collective regulatory strength.
- ABOUT YOUminorCommercial partnership for joint customer promotions. Collaboration on Gewinnspiel (prize draw) campaigns offering shopping experiences and exclusive discounts for Sparkasse payment customers.
- MastercardcoreMastercard provides credit and debit card products offered by Sparkasse Forchheim including Mastercard Standard, Basis, Gold, Platinum, and X-TENSION cards. Partnership enables card-based payments worldwide with various benefit tiers.
Scale indicators1 record
Recent moves6 records
Expansion highlights5 records
Sparkasse Forchheim competitors and assessment
Company assessmentDirect peers
- ING-DiBa: Germany's largest direct bank offering giro accounts, brokerage, consumer credit, and mortgage products. Directly competes with Sparkasse Forchheim on retail deposits, payments, and investment products.
- Sparkasse Nürnberg: Larger Bavarian Sparkasse operating the same full Sparkassen-Finanzgruppe product platform under identical public-law governance. Comparable in business model, broader in geographic scale.
- Volksbank Forchheim: Cooperative bank operating in the same Forchheim market as Sparkasse Forchheim, competing for the same retail and SME customers with full banking services. Closest in-market competitor.
- DKB (Deutsche Kreditbank): Direct bank competitor in German retail banking offering giro accounts, mortgages, securities brokerage, and consumer loans with a digital-first model. Competes with Sparkasse Forchheim for the same retail customer wallet.
- Sparkasse Bamberg: Adjacent Bavarian Sparkasse serving the Bamberg region with the same full retail product suite (giro, mortgages, savings, investments, insurance, building society). Highly comparable in size, governance, and product breadth to Sparkasse Forchheim.
- Kreissparkasse Erlangen-Höchstadt: Neighbouring Bavarian savings bank serving the Erlangen-Höchstadt district with the same Sparkassen-Finanzgruppe product platform and public-law governance. Directly comparable in scale and rural/urban mix.
Broad incumbents
- HypoVereinsbank (UniCredit): Large Bavarian-headquartered private bank (UniCredit subsidiary) serving retail and corporate customers across Germany. Competes in the same regional retail and SME segments as Sparkasse Forchheim with overlapping product offerings.
- Postbank: Large incumbent German retail bank (now part of Deutsche Bank) offering giro accounts, mortgages, and securities services nationwide. Competes broadly with Sparkasse Forchheim on the same retail product categories.
- Volksbanken Raiffeisenbanken: Cooperative banking group of more than 800 local Volksbanken and Raiffeisenbanken across Germany, offering the same retail and SME banking services as Sparkassen through a parallel public-mandate model.
- Commerzbank: One of Germany's largest private banks serving retail, SME, and corporate customers nationwide. Competes with Sparkasse Forchheim on retail deposits, mortgages, and brokerage but at vastly greater scale.
Market position
Strengths5 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
Sparkasse Forchheim social profiles
Digital presenceSparkasse Forchheim financial estimates
Financial estimateRevenue estimate
Valuation estimate
Sparkasse Forchheim leadership team
Management profileNumber of profiles
Profiles2 records
Sparkasse Forchheim funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Sparkasse Forchheim 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 Forchheim
What does Sparkasse Forchheim do?
Sparkasse Forchheim is a regional German savings bank offering a full range of retail and business banking services, including current accounts, debit and credit cards, consumer and mortgage loans, savings and term deposit products, investment and brokerage services, building society savings, insurance distribution, and real estate services. Distribution is multi-channel, combining a local branch network in the Forchheim region with comprehensive online and mobile banking platforms, phone service, chat, and video consultation.
Is Sparkasse Forchheim a public or private company?
Sparkasse Forchheim is a private company. It is classified as state government owned and is currently operating.
When was Sparkasse Forchheim founded?
Sparkasse Forchheim was founded in -1. It employs 51 to 100 people.
Where is Sparkasse Forchheim based?
Sparkasse Forchheim is headquartered in Forchheim, Germany, in the Europe region.
How does Sparkasse Forchheim make money?
Five revenue lines are on record. Interest Income is the primary driver. The others are account and Card Fees, investment Products Distribution, insurance Distribution and LBS Bausparvertrag Distribution.
Who are Sparkasse Forchheim's main competitors?
Direct peers on record are ING-DiBa, Sparkasse Nürnberg, Volksbank Forchheim, DKB (Deutsche Kreditbank), Sparkasse Bamberg and Kreissparkasse Erlangen-Höchstadt. Broad incumbents are HypoVereinsbank (UniCredit), Postbank, Volksbanken Raiffeisenbanken and Commerzbank.
Does Sparkasse Forchheim have an API?
No public API is recorded for Sparkasse Forchheim.