Sparkasse Hochschwarzwald
Sparkasse Hochschwarzwald is a regional public-law savings bank serving retail, business, and youth customers in the High Black Forest region of Baden-Württemberg, Germany, offering full-service banking including accounts, loans, cards, investments, insurance, and retirement planning through branches, digital channels, and the Sparkassen-Finanzgruppe ecosystem.
- Company typePrivate
- Founded-
- HeadquartersTitisee-Neustadt, Germany
- Headcount51–100
- GTM typeB2C
- OfferingServices
What Sparkasse Hochschwarzwald does
Sparkasse Hochschwarzwald is a regional public-law savings bank (Anstalt des öffentlichen Rechts) headquartered in Titisee-Neustadt, Germany, serving the High Black Forest (Hochschwarzwald) region of Baden-Württemberg with branches in Kirchzarten and Titisee-Neustadt. The bank operates within the Sparkassen-Finanzgruppe, Germany's largest banking network, and is supervised by the European Central Bank and BaFin. It serves retail (Privatkunden), business (Firmenkunden), youth, and association (Vereine) customers through a hybrid distribution model combining physical branches, a digital Internet-Filiale, the App Sparkasse mobile platform, phone service center (HochschwarzwaldDirekt), video advisor chat, and an AI-powered chatbot named Linda.
The bank offers a comprehensive full-service financial product portfolio: four tiers of current accounts (KontoStart, KontoKompakt, KontoKommod, KontoKomfort) ranging from free youth accounts to €17.90/month premium accounts; credit and debit cards (Sparkassen-Card, Mastercard Standard/Gold/Platinum); credit products including mortgages (S-Baufinanzierung), personal loans, auto loans, solar loans, modernization loans, KfW promotional loans, and overdraft facilities (S-Dispositionskredit at 12.15% p.a.); savings products (S-Tagesgeld, Sparkassenbuch, S-Festgeld, Sparkassenkapitalbrief); investment products distributed through DekaBank (funds, ETFs via S-Neo, S-Broker, S-Rentaplan, S-Trivesta for sustainable investing); insurance and retirement products distributed through SV SparkassenVersicherung (VermögensPolice Invest, IndexGarant, Risikoversicherung, BasisRente, Betriebliche Altersversorgung); building society savings (LBS-Bausparen); and real estate services. Digital features include Multibanking, Wero instant payments, Card Control, Kontowecker, Geräteerkennung device recognition, photo transfer / GiroCode, and electronic Postfach.
The revenue model is anchored by net interest income from lending activities and deposit margins, supplemented by account maintenance fees (€6.90–€17.90/month), credit card fees (€3.00–€7.00/month), transaction fees, and commission/revenue-sharing arrangements from distributing DekaBank investment products and SV SparkassenVersicherung insurance products. The bank is led by Vorstandsvorsitzender Patrick Ertel and stv. Vorstandsvorsitzender Christian Herrmann. As a public-law institution, it is not publicly traded and operates as a regional institution within the broader Sparkassen-Finanzgruppe rather than a subsidiary.
Sparkasse Hochschwarzwald firmographics
Firmographics- Name
- Sparkasse Hochschwarzwald
- Legal name
- Sparkasse Hochschwarzwald Anstalt des Öffentlichen Rechts
- Website
- https://sparkasse-hochschwarzwald.de
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Sparkasse Hochschwarzwald is a regional public-law savings bank serving retail, business, and youth customers in the High Black Forest region of Baden-Württemberg, Germany, offering full-service banking including accounts, loans, cards, investments, insurance, and retirement planning through branches, digital channels, and the Sparkassen-Finanzgruppe ecosystem.
- Ownership category
- akta.pro rank
Where Sparkasse Hochschwarzwald is headquartered
LocationHeadquarters
- HQ city
- Titisee-Neustadt
- HQ country
- Germany
- HQ region
- Europe
Offices2 records
Markets served
Sparkasse Hochschwarzwald 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
- Girokonto / Current Account Fees: Monthly account management fees across multiple tiers: KontoKompakt (€6.90/month), KontoKommod (€11.90/month), KontoKomfort (€17.90/month). Revenue from account maintenance charges, transaction fees, and overdraft interest.
- Credit Products (Kredite und Finanzierungen): Interest income from S-Baufinanzierung (mortgage), S-Privatkredit (personal loan), S-Autokredit (auto loan), S-Dispositionskredit (overdraft at 12.15% p.a.), Forward loans, and credit optimization products.
- Card and Payment Revenue: Monthly fees for credit cards (Mastercard Standard €3.00/month, Mastercard Gold €7.00/month) and transaction fees on cash withdrawals, currency exchanges, and payment processing.
- Investment and Insurance Products (Deka / SV SparkassenVersicherung): Commissions and revenue sharing from distributing third-party investment products (Deka funds, ETFs, S-Broker) and insurance products (SV SparkassenVersicherung life, risk, and property insurance), including IndexGarant and VermögensPolice Invest.
- Sparprodukte / Savings Products: Traditional savings deposits (Sparkassenbuch, Sparkassenbrief, S-Festgeld, S-Tagesgeld, LBS-Bausparen) generating margin income from lending these deposits.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | KontoKompakt — basic account for customers with few transactions |
| Subscription | Monthly | KontoKommod — standard account with PAYBACK integration |
| Subscription | Monthly | KontoKomfort — premium account with investment and card benefits |
| Subscription | Monthly | KontoStart — youth account for under-18s |
| Usage-based | Pay-as-you-go | S-Dispositionskredit — authorized overdraft facility |
| Subscription | Monthly | Mastercard Standard — credit card |
| Subscription | Monthly | Mastercard Gold — premium credit card |
| Subscription | Monthly | KontoKomfort pricing comparison |
Go-to-market motion1 record
Distribution channels7 records
Marketing channels6 records
Sparkasse Hochschwarzwald product offering
Product offeringCore offering
Sparkasse Hochschwarzwald is a regional public savings bank operating in the High Black Forest (Hochschwarzwald) region of Baden-Württemberg, Germany. It offers current accounts, savings products, mortgage and consumer loans, credit cards, investment funds, retirement and insurance products (distributed from SV SparkassenVersicherung and DekaBank), complemented by online and mobile banking channels (Online-Banking, App Sparkasse, S-pushTAN-App). Advisory services are delivered via physical branches in Titisee-Neustadt and Kirchzarten, a phone service center (HochschwarzwaldDirekt), and video advisor consultations.
Product overview
Sparkasse Hochschwarzwald operates as a regional public savings bank (Anstalt des Öffentlichen Rechts) offering a comprehensive digital banking platform complemented by in-person branch services. The core product portfolio centers on four S-Girokonto models (KontoStart for youth, KontoKompakt, KontoKommod, and KontoKomfort for adults) providing checking account services with associated debit and credit cards including Mastercard Standard/Gold/Platinum and Sparkassen-Card. The bank's digital infrastructure is anchored by Online-Banking accessed via web browser or App Sparkasse mobile app, with security powered by S-pushTAN-App and chipTAN authentication methods. The credit and financing suite includes S-Baufinanzierung, S-Privatkredit, S-Autokredit, S-Dispositionskredit, and KfW-Förderkredite. Savings products encompass S-Tagesgeld, Sparkassenbuch, S-Festgeld, Sparkassenkapitalbrief, and PS-Sparen. Investment offerings include S-Neo (ETF/fund trading), Deka-FondsSparplan, S-Rentaplan, and S-Trivesta, with Deka Investments serving as the primary securities and investment fund brand. The Sparkassen-Altersvorsorge retirement platform integrates VermögensPolice Invest, IndexGarant, Risikoversicherung, BasisRente, and Betriebliche Altersversorgung. Digital convenience features include Multibanking, Kontowecker, Card Control, Elektronisches Postfach, Finanzplaner, Fotoüberweisung/GiroCode, Geräteerkennung, and Wero instant payment. The Versicherungen platform provides insurance products through SV Sparkassen-Versicherung including SV InternetSchutz and PrivatSchutz. LBS-Bausparen enables building society savings with state subsidies.
Differentiator
Problem solved
Functional benefit
Products and services
- KontoStart
- KontoKompakt
- KontoKommod
- KontoKomfort
- Sparkassen-Card (Debitkarte)
- Mastercard Standard
- Mastercard Gold
- Mastercard Platinum
- Online-Banking
- App Sparkasse
- S-pushTAN-App
- S-Dispositionskredit
- S-Baufinanzierung
- S-Privatkredit
- S-Autokredit
- S-Modernisierungskredit
- S-Solarkredit
- KfW-Förderkredite
- S-Tagesgeld
- Sparkassenbuch
- S-Festgeld
- Deka-FondsSparplan
- S-Neo
- S-Rentaplan
- S-Trivesta
- VermögensPolice Invest
- IndexGarant
- Risikoversicherung
- BasisRente
- Betriebliche Altersversorgung
- LBS-Bausparen
- PS-Sparen und Gewinnen
Quantifiable outcome
- Access to over 21,000 Sparkassen ATMs across Germany for cash withdrawals
- +1 more outcomes
Companies that use Sparkasse Hochschwarzwald
Customer profileSegments5 records
Ideal customer profiles4 records
Sparkasse Hochschwarzwald technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration15 records
AI capability2 records
Feature6 records
Sparkasse Hochschwarzwald partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core.
- DekaBank (Deka Investments)coreSparkasse Hochschwarzwald distributes DekaBank investment products including Deka-FondsSparplan, Deka ETFs, Deka Vermögensstrukturierung, DekaBank Depot, Deka-AbräumSparen, Deka-JuniorPlan Plus, Deka-Nachhaltige Geldanlage, and S-Broker DepotPlus. The partnership enables the bank to offer securities trading, fund investments, and wealth management services to its customers.
- SV SparkassenVersicherung (Sparkassen Insurance)coreSparkasse Hochschwarzwald acts as a tied insurance agent (Versicherungsvertreter, Registernummer D-5HYM-NCSA7-75) distributing SV SparkassenVersicherung products including VermögensPolice Invest (fund-linked pension insurance), IndexGarant (index-linked retirement insurance), Risikoversicherung (risk life insurance), Berufsunfähigkeitsversicherung, and property/casualty insurance (PrivatSchutz, Hausrat, Haftpflicht, Kfz). The partnership covers the full insurance and retirement planning need.
- PAYBACKcorePAYBACK is integrated into the Sparkassen-Card through the S-Vorteilswelt loyalty program. Customers earn PAYBACK points (°Punkte) on card spending, which can be redeemed through the S-Vorteilswelt portal in online banking. The partnership drives customer engagement and retention through a rewards mechanism.
- Finanz Informatik GmbH & Co. KGcoreFinancial IT services provider for the German savings bank sector (Sparkassen-Finanzgruppe). Hosts and manages the Live Chat infrastructure on behalf of Sparkasse Hochschwarzwald, providing the technical platform for the bank's customer chat services.
- Sparkassen-Finanzgruppe (Savings Bank Finance Group)coreSparkasse Hochschwarzwald is a member of the Sparkassen-Finanzgruppe, Germany's largest financial services network. This provides shared infrastructure including DekaBank investment platform, 21,000+ shared ATMs, Sparkassen-Schulservice, S-Broker, Wero payment standard, and the institute-based deposit protection scheme (EinSiG).
Scale indicators1 record
Recent moves6 records
Expansion highlights10 records
Sparkasse Hochschwarzwald competitors and assessment
Company assessmentBroad incumbents
- ING-DiBa: Germany's largest direct bank, competing for the same Privatkunden segment nationwide with lower-cost Girokonto, mortgage, and investment offerings. Represents the principal non-Sparkassen competitive threat for digitally-engaged customers in the Hochschwarzwald catchment.
- DKB (Deutsche Kreditbank): Direct/online bank offering retail current accounts, brokerage, and consumer lending. Targets the same cost-conscious retail customers with digital-first banking and is a credible substitute for Sparkasse Hochschwarzwald's online-only use cases.
- Deutsche Bank AG: Largest German universal bank offering retail (Deutsche Bank Filialen), wealth, mortgage, and insurance products. Competes with Sparkasse Hochschwarzwald in mortgages, investments, and high-net-worth advisory within the regional catchment.
- Commerzbank AG: Major German universal bank with a strong retail and SME franchise. Competes head-to-head with Sparkasse Hochschwarzwald for SME (Firmenkunden) banking, mortgages, and retail current accounts in the High Black Forest.
Direct peers
- Volksbank Freiburg eG: Cooperative bank headquartered in Freiburg, competing with Sparkasse Hochschwarzwald for retail and business customers across the upper Black Forest / Breisgau region. Mirrors the Sparkasse model with full banking, insurance (via R+V Versicherung), and investment (Union Investment) distribution.
- Volksbank Breisgau Nord eG: Regional cooperative bank (Genossenschaftsbank) operating in the same broader Hochschwarzwald/Breisgau geography under the cooperative banking pillar (Genossenschaftliche FinanzGruppe). Direct competitor for retail deposits, mortgages, and SME banking with a parallel public-trust positioning.
- Sparkasse Schwarzwald-Baar: Another regional Sparkasse in Baden-Württemberg covering the Black Forest region. Same business model (depository institution + advisory + Deka/SV distribution), same regulatory framework, and structurally comparable scale and customer profile to Sparkasse Hochschwarzwald.
- Sparkasse Freiburg-Nördlicher Breisgau: Neighboring regional Sparkasse serving the northern Breisgau area of Baden-Württemberg. Operates the same product set (Girokonto, App Sparkasse, Baufinanzierung, Deka, SV SparkassenVersicherung) under the same Sparkassen-Finanzgruppe affiliation, competing head-to-head for retail and SME customers in the same broader Freiburg economic region.
Emerging players
- N26 Bank GmbH: Berlin-based German neobank with a fully digital current account proposition. Represents the emerging digital-native competitive threat, particularly for younger retail customers in the Sparkasse Hochschwarzwald catchment who increasingly adopt smartphone-first banking.
Others
- LBS (Landesbausparkasse Baden-Württemberg): Regional building society within the Sparkassen-Finanzgruppe distributing Bausparen and Wohn-Riester products. Sparkasse Hochschwarzwald already partners with LBS-Bausparen but competes with LBS directly for mortgage-adjacent building society savings and government-subsidized product share.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat6 records
Key risks5 records
Key highlights6 records
Customer concentration
Sparkasse Hochschwarzwald social profiles
Digital presenceSparkasse Hochschwarzwald compliance and trust
Trust signalCompliance3 records
Sparkasse Hochschwarzwald financial estimates
Financial estimateRevenue estimate
Valuation estimate
Sparkasse Hochschwarzwald leadership team
Management profileNumber of profiles
Profiles2 records
Sparkasse Hochschwarzwald funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Sparkasse Hochschwarzwald 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 Hochschwarzwald
What does Sparkasse Hochschwarzwald do?
Sparkasse Hochschwarzwald is a regional public savings bank operating in the High Black Forest (Hochschwarzwald) region of Baden-Württemberg, Germany. It offers current accounts, savings products, mortgage and consumer loans, credit cards, investment funds, retirement and insurance products (distributed from SV SparkassenVersicherung and DekaBank), complemented by online and mobile banking channels (Online-Banking, App Sparkasse, S-pushTAN-App). Advisory services are delivered via physical branches in Titisee-Neustadt and Kirchzarten, a phone service center (HochschwarzwaldDirekt), and video advisor consultations.
Is Sparkasse Hochschwarzwald a public or private company?
Sparkasse Hochschwarzwald is a private company. It is classified as state government owned and is currently operating.
When was Sparkasse Hochschwarzwald founded?
Sparkasse Hochschwarzwald was founded in -1. It employs 51 to 100 people.
Where is Sparkasse Hochschwarzwald based?
Sparkasse Hochschwarzwald is headquartered in Titisee-Neustadt, Germany, in the Europe region.
How does Sparkasse Hochschwarzwald make money?
Five revenue lines are on record. Girokonto / Current Account Fees are the primary driver. The others are credit Products (Kredite und Finanzierungen), card and Payment Revenue, investment and Insurance Products (Deka / SV SparkassenVersicherung) and sparprodukte / Savings Products.
Who are Sparkasse Hochschwarzwald's main competitors?
Broad incumbents on record are ING-DiBa, DKB (Deutsche Kreditbank), Deutsche Bank AG and Commerzbank AG. Direct peers are Volksbank Freiburg eG, Volksbank Breisgau Nord eG, Sparkasse Schwarzwald-Baar and Sparkasse Freiburg-Nördlicher Breisgau. N26 Bank GmbH is listed as an emerging player. LBS (Landesbausparkasse Baden-Württemberg) is listed as an others.
Does Sparkasse Hochschwarzwald have an API?
No public API is recorded for Sparkasse Hochschwarzwald.