Sparkasse Hamm
Sparkasse Hamm is a German public savings bank (Anstalt des öffentlichen Rechts) headquartered in Hamm, providing retail and SME banking services under the Sparkassen-Finanzgruppe umbrella with deposit protection, BaFin/ECB supervision, and omnichannel distribution.
- Company typePrivate
- Founded-
- HeadquartersHamm, Germany
- Headcount51–100
- GTM typeB2C
- OfferingServices
What Sparkasse Hamm does
Sparkasse Hamm is a German public savings bank (Anstalt des öffentlichen Rechts) headquartered at Weststraße 5-7, 59065 Hamm, operating under BLZ 41050095 and BIC WELADED1HAM. The bank is supervised by BaFin and the European Central Bank and is a member of the Sparkassen-Finanzgruppe, benefitting from the group's institutional deposit protection system (Sparkassen-Sicherungsverbund) recognized under the Einlagensicherungsgesetz since July 3, 2015. Leadership consists of Torsten Cremer as Vorsitzende(r) des Vorstandes and Frank Selberg as Mitglied des Vorstandes. The bank's stated headcount in the input data is 81.
The bank serves retail customers (Privatkunden) and local SMEs (Firmenkunden) in Hamm and surrounding areas, with a comprehensive product suite built around the modular HammKonto current account (base €3.95/month, with add-on modules Mobil/MobilPlus/VorOrt). The product portfolio spans daily banking (Sparkassen-Card, Online-Banking, Sparkassen-App), consumer and mortgage lending (Sparkassen-Privatkredit, S-Autokredit, Sparkassen-Baufinanzierung, Sparkassen-Klimakredit, S-Dispositionskredit), savings and deposits (Sparkassen-Tagesgeld at 0.50%, Sparkassenbrief 2.10-2.90%, Flexgeld, Sparkassenkapitalbrief, Spartöpfe), securities and investment (DekaBank Depot, Deka ETFs, Deka-FondsSparplan from €25/month, S-Neo, S Broker DepotPlus), insurance distribution, retirement products (RiesterRente, BasisRente, Sparkassen-FondsRente Vario, Sparkassen-GarantRente Vario), and real estate services.
Revenue derives from net interest income (lending minus deposit costs), account and transaction fees, securities commissions (Deka fund distribution), insurance commissions as a tied agent, and Baufinanzierung origination. Distribution is omnichannel: physical branches for in-person advisory, Internet-Filiale and Sparkassen-App for self-service, phone banking (Service-Telefon 02381 10 30), and chat/contact forms. Core technology relies on the shared Sparkassen-Finanzgruppe platform (Internet-Filiale portal, Sparkassen-App), with security features including S-pushTAN, chipTAN-QR, Geräteerkennung, 3-D Secure, Card Control, and Multibanking. Wero instant payments are integrated within the Sparkassen-App. Marketing channels include the website, SparkassenBlog, Facebook, Instagram, LinkedIn, email newsletters, and group-coordinated digital advertising via intelliAd, Adform, and Google Ads.
Sparkasse Hamm firmographics
Firmographics- Name
- Sparkasse Hamm
- Legal name
- Sparkasse Hamm - Anstalt des öffentlichen Rechts
- Website
- https://sparkasse-hamm.de
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Sparkasse Hamm is a German public savings bank (Anstalt des öffentlichen Rechts) headquartered in Hamm, providing retail and SME banking services under the Sparkassen-Finanzgruppe umbrella with deposit protection, BaFin/ECB supervision, and omnichannel distribution.
- Ownership category
- akta.pro rank
Sparkasse Hamm industry classification
Industry- Product category
- Retail Banking
- NAICS
- Savings Institutions and Other Depository Credit Intermediation (52218), Portfolio Management and Investment Advice (523940), Depository Credit Intermediation (5221)
- SIC
- Savings Institution, Federally Chartered (6035)
- akta.pro primary industry
- Full-Service Retail Brokerage & Wealth Platforms (FSAAAAAA)
- akta.pro secondary industries
- Managed Platforms & Wrap Programs for Private Clients (Model Portfolios, UMA/SMAs) (FSAAABAM), Private Banking Advisory & Discretionary Portfolio Management (FSABADAD)
Keywords
Where Sparkasse Hamm is headquartered
LocationHeadquarters
- HQ city
- Hamm
- HQ country
- Germany
- HQ region
- Europe
Offices1 record
Markets served
Sparkasse Hamm 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
- Kontoführungsgebühren (Account Maintenance Fees): Monthly account fees for the HammKonto (base €3.95/month) with modular add-ons (Mobil +€4.95, MobilPlus +€6.95, VorOrt +€2.95) generating recurring subscription-like revenue from retail customers.
- Transaktionsgebühren (Transaction Fees): Fees per transaction including debit card annual fees (€12.00/year), per-transaction charges for additional beleglose Buchungen (€0.25/stück) beyond free allowances, and cash withdrawals.
- Kreditvergabe (Lending): Interest income from consumer loans (Privatkredit, Autokredit, Klimakredit), Baufinanzierung (mortgage lending), and Dispositionskredit (overdraft facilities).
- Wertpapierhandel und Depotgebühren (Securities Trading & Depot Fees): Annual depot fees (€12.50/year electronic, €19.50/year postal), investment fund sales commissions, ETF and Deka fund product distribution through DekaBank partnership, and fonds-sparplan investments from €25/month.
- Einlagenprodukte (Deposit Products): Interest margin generated from accepting customer deposits (Tagesgeld, Sparkassenbrief, Flexgeld, Sparkonto) and on-lending to borrowers.
- Versicherungsprodukte (Insurance Products): Revenue from bundled insurance packages (S-Komfortpaket Silber, S-Reise- und Komfortpaket Gold, S-Privat-Schutz) and third-party insurance distribution as a tied insurance agent (Versicherungsvertreter).
- Bausparprodukte und Altersvorsorge (Building Society & Retirement Products): Revenue from LBS-Bausparen (building society savings), RiesterRente, Rürup-Rente (BasisRente), betriebliche Altersversorgung, and Deka investment fund distribution for retirement planning.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | HammKonto base account with modular add-ons |
| Subscription | Annual | DekaBank Depot annual fee |
| Other | Pay-as-you-go | Sparkassen-Tagesgeld interest rate |
| Subscription | Multi-year contract | Sparkassenbrief fixed-term deposit rates |
| Unit Pricing | Pay-as-you-go | Fonds-Sparplan minimum investment |
| Usage-based | Pay-as-you-go | Credit products (individual pricing) |
Go-to-market motion1 record
Distribution channels6 records
Marketing channels9 records
Sparkasse Hamm product offering
Product offeringCore offering
Sparkasse Hamm is a German public savings bank (Anstalt des öffentlichen Rechts) providing retail and SME banking services in Hamm, North Rhine-Westphalia. It sells current accounts (HammKonto and GiroStart), debit and credit cards (Sparkassen-Card, Mastercard Platinum, Komfortpaket Silber/Gold), consumer and mortgage loans (Privatkredit, Autokredit, Baufinanzierung, Klimakredit), savings and term deposits (Tagesgeld, Sparkassenbrief, Flexgeld), securities investment via DekaBank Depot and S-Neo, retirement products (Riester, BasisRente, FondsRente), insurance distribution, and real estate services through in-branch advisory and digital channels (Online-Banking, Sparkassen-App).
Product overview
Sparkasse Hamm operates as a regional savings bank (Sparkasse) offering a comprehensive, modular banking platform organized around its core current account (HammKonto) with customizable modules (Mobil, MobilPlus, VorOrt). The product portfolio spans daily banking services including Online-Banking via browser and Sparkassen-App with security features (S-pushTAN, chipTAN, Geräteerkennung, 3-D Secure), payment solutions (Wero, Apple Pay, Mobiles Bezahlen, Sparkassen-Card debit), and credit products (Sparkassen-Privatkredit, S-Autokredit, Sparkassen-Baufinanzierung, Sparkassen-Klimakredit). Savings and investment offerings include Sparkassen-Tagesgeld, Sparkassenbrief, Flexgeld, LBS-Bausparen, and DekaBank Depot with Deka ETFs, Deka-FondsSparplan, and the S-Neo Depot for ETF/fund/stock investing. Retirement products encompass Sparkassen-FondsRente Vario, Sparkassen-BasisRente, Sparkassen-GarantRente Vario, Plan A, Sparkassen-Starter Kids, and RiesterRente. Insurance products, real estate services, and digital tools like Finanzplaner, Kontowecker, Card Control, and Finanzakademie round out the ecosystem.
Differentiator
Problem solved
Functional benefit
Brands
- HammKonto: Modular current account product allowing customers to combine features like online (Mobil/MobilPlus) and in-branch (VorOrt) services.
- DekaBank Depot
- S-Neo
- Sparkassen-Tagesgeld
- Sparkassenbrief
Products and services
- HammKonto Modular current account (Girokonto) with customizable modules for online (Mobil, MobilPlus) and in-branch (VorOrt) banking preferences, priced at €3.95 monthly base fee plus optional module packages, targeted at retail customers in Hamm.
- GiroStart Free current account for students, trainees (Azubis), and young people up to age 27, offering basic banking services at no cost as an entry-level retail product.
- Sparkassen-Card (Mastercard Debit) Debit card enabling payments at merchants, online shopping, and cash withdrawals worldwide, functioning like a credit card for online purchases, with a €12.00 annual fee.
- Mastercard Platinum (Kreditkarte) Premium credit card offering worldwide acceptance, concierge services, travel benefits, and extended purchase protection for retail customers.
- S-Reise- und Komfortpaket Gold Gold-tier travel and comfort credit card package including worldwide card payments, 12 free foreign ATM withdrawals, and comprehensive travel insurance.
- S-Komfortpaket Silber Silver-tier comfort credit card package with worldwide card payments, ATM withdrawals, online purchase protection, and 24/7 emergency services.
- Sparkassen-Privatkredit Personal consumer loan for flexible financing needs with competitive, individualized interest rates and customizable repayment terms for retail borrowers.
- S-Privatkredit Plus Enhanced personal loan product with additional features and flexibility for varied borrower needs, priced on a usage-based individualized basis.
- S-Autokredit Specialized auto financing loan for purchasing new or used vehicles with favorable terms and individualized interest rates.
- Sparkassen-Baufinanzierung Real estate financing solution for purchasing or building property with long-term loan structures and individualized interest rates based on creditworthiness.
- Sparkassen-Klimakredit Green financing product supporting climate-friendly investments and sustainable projects, such as energy-efficient home upgrades, for retail borrowers.
- Sparkassen-Tagesgeld Daily deposit account offering flexible access to funds with variable interest rates (0.50% p.a. for amounts up to €100,000) and free account management.
- Sparkassenbrief Fixed-term savings product with guaranteed interest rates ranging from 2.10% to 2.90% p.a., available in terms from 1 to 10 years, minimum investment €2,500.
- Flexgeld Flexible savings account with notice period (Kündigungsgeld), offering higher interest rates than daily deposits while maintaining some accessibility.
- Sparkassenkapitalbrief Capital letter savings product with guaranteed returns and a medium to long-term investment horizon, distributed by Sparkasse Hamm.
- Vertrauensbonus Bonus savings product offering up to 3.3% p.a. promotional interest rate as a reward for customer loyalty.
- LBS-Bausparen Building savings product with state subsidies (Wohnungsbauprämie, Wohn-Riester) for home purchase, modernization, or retirement planning, distributed in partnership with LBS NordWest.
- DekaBank Depot Securities depot for purchasing and managing Deka investment funds, certificates, and ETFs, with annual fees starting at €12.50 (electronic postbox) and €19.50 (postal).
- S-Neo (Investment Platform) ETF, fund, and stock investment platform accessible within the Sparkassen-App for beginners starting their investment journey.
- Deka ETFs Exchange-traded index funds offered by DekaBank including DAX, S&P 500, EURO STOXX 50, and MSCI World ETFs, available via savings plan from €25/month.
- Deka-FondsSparplan Regular savings plan for Deka investment funds allowing systematic wealth building starting at €25/month with dynamic contribution options.
- Sparkassen-FondsRente Vario Flexible fund-based retirement pension product with variable investment options and market participation for retail retirement planning.
- Sparkassen-BasisRente (Rürup-Rente) State-subsidized basic retirement pension (Rürup pension) offering tax advantages for retirement savings for self-employed and higher-income individuals.
- Sparkassen-GarantRente Vario Guaranteed retirement pension product combining capital protection with investment returns for conservative retirement savers.
- Sparkassen-GenerationenDepot Invest Multi-generational investment depot designed for transferring wealth across generations with tax-efficient structures.
- Plan A (Retirement Advisory) Retirement planning advisory service helping customers create comprehensive pension strategies through in-branch consultations.
- Sparkassen-Starter Kids Children's savings and investment product that grows with the child, providing financial planning for young families.
- RiesterRente State-subsidized Riester pension product with government bonuses for eligible contributors to support retirement savings.
- Sparkassen-Privat-Haftpflichtversicherung Private liability insurance protecting against claims from third-party property damage or personal injury, distributed as a tied insurance agent.
- Sparkassen-Kfz-Versicherung Vehicle insurance product covering liability, partial coverage, or full coverage for automobiles, distributed in cooperation with partner insurers.
- Auslandsreise-Krankenversicherung Foreign travel health insurance covering medical expenses abroad with 24/7 emergency support for travelers.
- Immobilien-Services Comprehensive real estate services including building, selling, modernizing, and financing properties, plus the S-ImmoPreisfinder valuation tool, offered in partnership with LBSi NordWest.
- Wero Real-time peer-to-peer payment service integrated into the Sparkassen-App for sending money, splitting bills, and paying in online shops.
- Online-Banking (Internet-Filiale) Internet banking platform accessible via browser, providing account management, transfers, standing orders, and document storage through the Electronic Postfach.
- Sparkassen-App Mobile banking application for smartphones and tablets offering account overview, transfers, Multibanking, Wero payments, Card Control, S-Neo investing, and Finanzplaner.
Quantifiable outcome
- Tagesgeld interest rate: 0.50% p.a. (up to €100,000)
- +3 more outcomes
Companies that use Sparkasse Hamm
Customer profileSegments3 records
Ideal customer profiles3 records
Sparkasse Hamm technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration13 records
Feature10 records
Sparkasse Hamm partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core and minor.
- DekaBank (Deutsche Girozentrale)coreDekaBank is the securities house (Wertpapierhaus) of the Sparkassen-Finanzgruppe. Sparkasse Hamm distributes Deka investment funds, ETFs (Deka ETFs), and manages DekaBank Depots for customers. DekaBank provides the fund infrastructure, depot management platform, and Deka Connect+ / Deka-Online-Services integrated with Sparkasse Hamm's digital banking. This is a deep, core partnership underpinning the bank's entire securities and investment offering.
- Sparkassen-Finanzgruppe (DSGV)coreSparkasse Hamm is a member of the Sparkassen-Finanzgruppe (Sparkasse Financial Group), coordinated by the Deutscher Sparkassen- und Giroverband e.V. (DSGV). Benefits include: shared technology platforms (internet banking, apps), institutional deposit protection (Sicherungssystem), interbank payment systems (Wero, giropay), shared marketing and brand identity, and access to group-wide products (Deka, LBS Bausparen). The group also provides the dispute resolution/ombudsman scheme (Schlichtungsstelle beim DSGV).
- LBS Bausparkasse (LBS NordWest)coreLBS (Landesbausparkasse) NordWest is the building society partner of the Sparkassen-Finanzgruppe in North Rhine-Westphalia. Sparkasse Hamm distributes LBS building society products including LBS-Bausparen with state subsidies (Wohnungsbau-Prämie, Wohn-Riester), LBS-Modernisierung, and Anschluss-Finanzierung. The partnership enables the bank to offer comprehensive home ownership financing.
- AllianzminorSparkasse Hamm distributes selected Allianz insurance and retirement products, including Allianz SchatzBrief KomfortDynamik (investment product) and Allianz PrivateFinancePolice (annuity/insurance product), through its advisory channels.
- PAYBACKminorSparkasse Hamm participates in the PAYBACK loyalty program via the S-Vorteilswelt, offering PAYBACK points on selected transactions and services, enhancing customer engagement.
Scale indicators3 records
Recent moves6 records
Expansion highlights5 records
Sparkasse Hamm competitors and assessment
Company assessmentBroad incumbents
- ING-DiBa: Germany's largest direct/online bank and a primary challenger to Sparkasse Hamm in current accounts, Tagesgeld, and consumer lending. Operates nationwide without a branch network, putting pricing pressure on Sparkasse Hamm's core retail products.
- Deutsche Bank: Germany's largest universal bank with overlapping retail, SME, wealth, and mortgage products. Competes with Sparkasse Hamm for affluent retail and SME customers but operates nationally and globally with a much broader, less regionally-rooted value proposition.
- Commerzbank: Major German universal bank with full retail and SME product overlap. Targets similar mass-affluent and SME customer segments as Sparkasse Hamm but with national distribution and broader corporate-banking capabilities.
Direct peers
- Stadtsparkasse München: Munich's municipal savings bank, operating under the Sparkassen-Finanzgruppe with comparable product breadth (current accounts, mortgages, securities via DekaBank, insurance). Same regulatory structure and channel architecture as Sparkasse Hamm.
- Kreissparkasse Köln: Another NRW Sparkasse with similar Anstalt des öffentlichen Rechts status, leveraging the same Sparkassen-Finanzgruppe platform and product set (DekaBank securities, LBS Bausparen, Sparkassen-App). Operates in adjacent NRW territory to Sparkasse Hamm.
- Hamburger Sparkasse (Haspa): Large German Sparkasse operating under the same Anstalt des öffentlichen Rechts model with broader product breadth (Haspa FinanzHolding). Comparable in governance, platform, and product set; larger scale illustrates the upper bound of the Sparkasse operating model.
- Sparkasse KölnBonn: A major regional Sparkasse in NRW offering the same suite of retail, SME, and private banking products via the Sparkassen-Finanzgruppe infrastructure. Directly comparable in regulatory structure, product mix, and channel architecture.
- Stadtsparkasse Düsseldorf: A regional German Sparkasse serving Düsseldorf. Operates the same Anstalt des öffentlichen Rechts model, uses the same Sparkassen-Finanzgruppe platforms (DekaBank, LBS, Sparkassen-App), and competes head-to-head with Sparkasse Hamm for retail and SME customers within the NRW banking market.
- Volksbank Hamm: Local cooperative bank competitor within Hamm itself, offering retail and SME banking under the Genossenschaftliche FinanzGruppe umbrella. Directly competes for the same Hamm customer base with overlapping product offerings.
Emerging players
- DKB (Deutsche Kreditbank): Direct bank with strong current-account and brokerage offering that competes with Sparkasse Hamm for digitally-engaged retail customers. Increasingly relevant competitor as Sparkasse Hamm invests in Sparkassen-App and digital onboarding.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Sparkasse Hamm social profiles
Digital presenceSparkasse Hamm compliance and trust
Trust signalCompliance2 records
Sparkasse Hamm financial estimates
Financial estimateRevenue estimate
Valuation estimate
Sparkasse Hamm leadership team
Management profileNumber of profiles
Profiles2 records
Sparkasse Hamm funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Sparkasse Hamm 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 Hamm
What does Sparkasse Hamm do?
Sparkasse Hamm is a German public savings bank (Anstalt des öffentlichen Rechts) providing retail and SME banking services in Hamm, North Rhine-Westphalia. It sells current accounts (HammKonto and GiroStart), debit and credit cards (Sparkassen-Card, Mastercard Platinum, Komfortpaket Silber/Gold), consumer and mortgage loans (Privatkredit, Autokredit, Baufinanzierung, Klimakredit), savings and term deposits (Tagesgeld, Sparkassenbrief, Flexgeld), securities investment via DekaBank Depot and S-Neo, retirement products (Riester, BasisRente, FondsRente), insurance distribution, and real estate services through in-branch advisory and digital channels (Online-Banking, Sparkassen-App).
Is Sparkasse Hamm a public or private company?
Sparkasse Hamm is a private company. It is classified as state government owned and is currently operating.
When was Sparkasse Hamm founded?
Sparkasse Hamm was founded in -1. It employs 51 to 100 people.
Where is Sparkasse Hamm based?
Sparkasse Hamm is headquartered in Hamm, Germany, in the Europe region.
How does Sparkasse Hamm make money?
Seven revenue lines are on record. Kontoführungsgebühren (Account Maintenance Fees) is the primary driver. The others are transaktionsgebühren (Transaction Fees), kreditvergabe (Lending), wertpapierhandel und Depotgebühren (Securities Trading & Depot Fees), einlagenprodukte (Deposit Products), versicherungsprodukte (Insurance Products) and bausparprodukte und Altersvorsorge (Building Society & Retirement Products).
Who are Sparkasse Hamm's main competitors?
Broad incumbents on record are ING-DiBa, Deutsche Bank and Commerzbank. Direct peers are Stadtsparkasse München, Kreissparkasse Köln, Hamburger Sparkasse (Haspa), Sparkasse KölnBonn, Stadtsparkasse Düsseldorf and Volksbank Hamm. DKB (Deutsche Kreditbank) is listed as an emerging player.
Does Sparkasse Hamm have an API?
No public API is recorded for Sparkasse Hamm.
What industry is Sparkasse Hamm in?
Sparkasse Hamm's product category is Retail Banking. Its primary akta.pro industry code is FSAAAAAA, Full-Service Retail Brokerage & Wealth Platforms, with a secondary code of FSAAABAM, Managed Platforms & Wrap Programs for Private Clients (Model Portfolios, UMA/SMAs). Its NAICS code is 52218 and its SIC code is 6035.