Kreissparkasse Grafschaft Bentheim zu Nordhorn

What Kreissparkasse Grafschaft Bentheim zu Nordhorn does

Kreissparkasse Grafschaft Bentheim zu Nordhorn is a regional German public savings bank (Anstalt des öffentlichen Rechts) established in 1869 and headquartered in Nordhorn in the Grafschaft Bentheim district of Lower Saxony. The bank operates within the German Sparkassen-Finanzgruppe network and serves retail customers, small and medium-sized businesses, and young customers/children across the district, with a stated emphasis on local presence and personal advisory. As a public-law institution under oversight by BaFin and the European Central Bank, it operates under a community mandate rather than as a profit-maximizing shareholder entity and does not publicly trade equity.

The institution delivers a full-stack financial services platform anchored on the Sparkassen-Girokonto and supported by a layered product suite covering deposits (Tagesgeld, Sparbuch, Termingeld, Sparkassenbrief), lending (S-Baufinanzierung, S-Privatkredit, S-Autokredit, KfW-subsidized loans), securities custody (Sparkassen-Depot, DekaBank Depot, S-Neo Depot, S Broker DepotPlus), insurance distribution through VGH, building society products through LBS, and real estate services. Digital infrastructure includes the Sparkassen-App (iOS and Android), pushTAN and chipTAN-QR authentication, a device recognition system (Geräteerkennung) for trusted-device PIN login, Apple Pay and Google Pay enablement, the Wero European instant payment system, the Finanzakademie educational platform, the Cockpit Immobilie property management tool, and SmartVermögen digital wealth management. Back-end systems run on Dynatrace for observability, with Friendly Captcha for bot protection and AUTHADA for Personalausweis-based identity verification.

Revenue is generated across five streams: net interest income on the loan and mortgage book, recurring account and card fees, securities and investment product commissions, insurance brokerage commissions from VGH, and real estate transaction and valuation fees. Distribution combines physical branches across the district, an internet filale (online banking portal), the Sparkassen-App, video advisor chat, an appointment booking system, and an 8am-8pm phone and chat customer service center. The bank does not publicly disclose financial results and is not a relevant target for traditional PE/VC investment given its public-law status, though it remains a strategically stable operating unit within the Sparkassen-Finanzgruppe ecosystem anchored on DekaBank, VGH, and LBS product rails.

Name

Kreissparkasse Grafschaft Bentheim zu Nordhorn

Legal name

Kreissparkasse Grafschaft Bentheim zu Nordhorn

Website

https://sparkasse-nordhorn.de

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Kreissparkasse Grafschaft Bentheim zu Nordhorn is a German public savings bank founded in 1869, headquartered in Nordhorn, that serves retail customers, SMEs, and young customers across the Grafschaft Bentheim district with deposits, lending, securities, insurance, and real estate services distributed via branches, online banking, and the Sparkassen-App.

Ownership category

akta.pro rank

Headquarters

HQ city

Nordhorn

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Core banking revenue from interest spreads on loans, mortgages, and credit products including construction financing (S-Baufinanzierung), personal loans (S-Privatkredit), and overdraft facilities
2. Fee-based Services: Account maintenance fees, transaction fees, card fees, and service charges for giro accounts (Girokonto), credit cards, and online banking services
3. Securities and Investment Products: Revenue from securities trading, fund distribution (Deka investments), ETF sparplan execution, depot management fees, and investment advisory services
4. Insurance Products: Commission revenue from insurance products offered through VGH Versicherungen partnership including liability, vehicle, property, and health insurance
5. Real Estate Services: Revenue from real estate financing, property valuation services, and real estate sales facilitation

Pricing tiers

Go-to-market motion2 records

Distribution channels7 records

Marketing channels7 records

Core offering

Kreisssparkasse Grafschaft Bentheim zu Nordhorn is a German public-law savings bank that provides retail and commercial banking products and services to private customers, businesses, and public-sector entities in the Grafschaft Bentheim district of Lower Saxony. Its core offerings include current accounts, payment cards, savings and investment products, mortgage and consumer lending, retirement planning, insurance products, building savings, and real estate services. Delivery occurs via a regional branch network supplemented by Online-Banking and the Sparkassen-App, with back-office support and product breadth provided through the Sparkassen-Finanzgruppe ecosystem.

Product overview

Kreissparkasse Grafschaft Bentheim zu Nordhorn operates as a regional savings bank offering a comprehensive financial services portfolio. The core offering centers on the Sparkassen-Girokonto (current account) with associated debit and credit cards, supplemented by a full range of savings products (Tagesgeld, Sparbuch, Termingeld) and investment services through multiple depot platforms (Sparkassen-Depot, DekaBank Depot, S-Neo Depot). The bank provides financing solutions including real estate loans (S-Baufinanzierung), personal loans (S-Privatkredit), and auto loans (S-Autokredit), alongside insurance products through VGH partnerships. Digital banking is delivered via Online-Banking and the Sparkassen-App, with security features including pushTAN, chipTAN-QR, and device recognition. Investment services are enhanced by Deka Investment products including ETFs, fund savings plans, and the Kinderdepot for minors. The bank also offers specialized services like the Finanzakademie educational platform, Cockpit Immobilie for property management, and the S-Vorteilswelt loyalty program. S-Neo represents the bank's modern, app-based securities trading platform with fee-free custody.

Differentiator

Problem solved

Functional benefit

Products and services

• Sparkassen-Girokonto Day-to-day current account for private customers including payment services, card integration, and Online-Banking / Sparkassen-App access; available in tiered variants (e.g., Classic, Premium) with monthly fees and free basic entry-level options.
• Sparkassen-Card (Debitkarte) Bank-issued debit card linked to the Sparkassen-Girokonto for use at ATMs and at point-of-sale, with support for contactless payment.
• Mastercard (Kreditkarte) Credit card offering with worldwide acceptance and additional features such as insurance packages; offered to private customers of the Sparkasse.
• Visa Card (Kreditkarte) Credit card product with worldwide acceptance and optional insurance packages, offered to private customers in addition to the Mastercard.
• S-Privatkredit Flexible personal loan for private customers for general purposes such as home modernization, large purchases, or debt consolidation, with digital application via Online-Banking.
• S-Autokredit Installment loan tailored for the purchase of new and used vehicles, offered to private customers of the Sparkasse.
• S-Baufinanzierung Mortgage and real estate financing for new-build, purchase, modernization, or refinancing of residential property, including forward loans and building society-style offerings, for private customers.
• S-Immobiliendarlehen Real estate loan for the purchase or construction of residential property, targeted at private customers.
• Sparkassen-Depot Standard securities account offering access to Deka investment products (funds, ETFs, certificates) for private customers, with savings plans and trading via Online-Banking.
• S-Neo Depot Modern digital securities account providing access to a wide range of securities for self-directed trading, with savings plans and modern order interfaces.
• DekaBank Depot Investment depot via DekaBank with access to funds, ETFs, and structured products, offered to private customers as part of the Sparkassen-Finanzgruppe.
• Deka-FondsSparplan

Quantifiable outcome

• WELT-Siegel 'Beste Bank in Niedersachsen - Silber - Beratung Privatkunden' - recognized for excellence in retail customer advisory services
• +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

Integration8 records

Feature4 records

Partnerships

Five partnerships are on record, tiered core and minor.

• DekaBankcoreTechnology or IntegrationDekaBank is the securities house of the Sparkassen-Finanzgruppe, providing investment products, ETFs, funds, and depot services offered through the bank. The partnership enables the bank to offer securities trading, Deka investments, and S-Broker services.
• VGH VersicherungencoreChannel Partner/ Reseller/ DistributorVGH Versicherungen is the regional insurance partner of Sparkassen in Lower Saxony, providing insurance products including liability, vehicle, property, health, and travel insurance sold through the bank.
• LBS BausparencoreChannel Partner/ Reseller/ DistributorLBS (Landes-Bausparkasse) building society products for home savings, construction financing, and government-subsidized housing savings (Wohn-Riester) offered through the bank.
• PAYBACKminorGTM or Marketing PartnerPAYBACK is a loyalty points program that can be linked to Sparkassen-Card (debit card), allowing customers to earn points at partners like Aral, dm, EDEKA, and Netto Marken-Discount.
• KfW (Kreditanstalt für Wiederaufbau)minorChannel Partner/ Reseller/ DistributorKfW government development bank provides subsidized loans for construction, education (Studienkredit), and modernization financed through the bank as intermediary.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Emerging players

• N26: Berlin-based digital-first neo-bank targeting German retail customers with mobile-only current accounts and consumer features. Comparable as a competing primary banking provider for the same retail customer base in Germany, though without a branch network or advisory depth.

Direct peers

• Sparkasse Nürnberg: Another regional German Sparkasse offering a comparable full-suite retail and SME banking proposition under the same Sparkassen-Finanzgruppe umbrella, with shared product, technology, and distribution standards. Most directly comparable on business model and target customer base.
• Sparkasse KölnBonn: One of Germany's largest regional Sparkassen, operating with the same public-law mandate, product suite (DekaBank, VGH-equivalent partners, LBS), and omni-channel distribution. Comparable on regulatory structure, product breadth, and customer segments.
• DKB (Deutsche Kreditbank): German retail and SME bank with a strong online and mobile proposition covering current accounts, brokerage, and consumer credit. Comparable as a competing German retail bank targeting similar customer segments with similar products.
• Volksbank Braunschweig Wolfsburg: A regional German cooperative bank (Volksbank) operating in Lower Saxony with a similar retail and SME focus, branch-based advisory model, and member-owned governance structure. Directly comparable as a parallel regional German retail bank.
• ING-DiBa: Major German retail bank competing directly for retail deposits, mortgages, and brokerage customers with a digital-first proposition. Comparable on core product set (current accounts, consumer credit, securities) and German retail target market.

Broad incumbents

• Deutsche Bank: Germany's largest universal bank with a national retail and SME presence under the Postbank brand alongside private banking, corporate banking, and capital markets. Comparable as an incumbent competitor across the same product categories but at much larger scale.
• Commerzbank: Major German universal bank with retail, SME, and corporate banking franchises. Comparable as an incumbent offering overlapping retail and SME banking products in Germany, but operating at significantly larger scale and broader scope.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/sparkasse.nordhorn
• Instagraminstagram.com/sparkasse.nordhorn
• LinkedInlinkedin.com/company/kreissparkasse-nordhorn

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Kreissparkasse Grafschaft Bentheim zu Nordhorn