Sparkasse Schweinfurt-Haßberge

What Sparkasse Schweinfurt-Haßberge does

Sparkasse Schweinfurt-Haßberge is a German public-law savings bank (Anstalt des Öffentlichen Rechts) headquartered in Schweinfurt, Bavaria, serving retail and business customers across the Schweinfurt and Haßberge districts of Lower Franconia. The bank operates as a member of the Sparkassen-Finanzgruppe, Germany's largest banking group, and provides a comprehensive suite of financial products including transaction banking (S-Giro account models, Sparkassen-Card debit Mastercard, Visa and Mastercard credit cards), savings and term deposits (Sparbuch Digital, S-Geldmarktkonto, Sparkassenbrief), lending (S-Baufinanzierung mortgages, S-Privatkredit, S-Modernisierungskredit, KfW promotional loans, Sparkassen-Klimakredit), securities and investment (Sparkassen-Depot, DekaBank funds, bevestor and SmartVermögen robo-advisory), building society products (LBS-Bausparen with state subsidies including Wohnungsbau-Prämie, Arbeitnehmer-Sparzulage, and Wohn-Riester), and tied insurance distribution (S-Privat-Schutz, S-Einkommens-Schutz, S-Gesundheits-Schutz, S-Immobilien-Schutz, Bauherren-Rechtsschutz via ÖRAG).

The technology platform is built on the standard Sparkassen digital banking infrastructure, comprising Internet-Filiale web banking, the Sparkassen-App mobile application, S-pushTAN-App for transaction authorization in six languages, Geräteerkennung device recognition, pushTAN and chipTAN authentication, 3-D Secure card payments, Wero instant payments, Chatbot Linda for customer service (powered by Google intent detection), and supporting tools including Kontowecker alerts, Multibanking, Card Control, Finanzplaner budget planner, and Cockpit Immobilie real estate dashboard. Distribution follows a hybrid physical-digital model with branches across the Schweinfurt and Haßberge districts, a central Service-Center operating extended hours (Mon-Fri 08:00-20:00, Sat 09:00-14:00) with phone, video consultation, and live chat, plus 24/7 digital self-service channels.

The revenue model is anchored in interest margin on lending products (mortgages, personal loans, modernization loans, overdrafts), supplemented by account and card fees (subscription tiers S-Giro Smart/Klassik/Komfort/Exklusiv; credit card annual fees such as Mastercard Gold at €85), transaction fees on securities brokerage and Deka investment funds, and commission income from tied insurance distribution (registered as Versicherungsvermittler D-IT5X-IUX5W-38) and LBS-Bausparen cross-selling. The bank serves horizontal customer segments—retail (Privatkunden), business (Firmenkunden), youth (Junge Kunden), and high-net-worth (Private Banking)—with retail as the primary segment, and is supervised by the European Central Bank and BaFin.

Name

Sparkasse Schweinfurt-Haßberge

Legal name

Sparkasse Schweinfurt-Haßberge

Website

https://sparkasse-sw-has.de

Company type

Private

Operating status

Operating

Headcount range

51–100 employees

Short description

Sparkasse Schweinfurt-Haßberge is a German public-law savings bank headquartered in Schweinfurt, Bavaria, providing retail and business banking services—including accounts, mortgages, savings, securities, insurance, and building society products—to customers across the Schweinfurt and Haßberge districts through a hybrid branch-and-digital model.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Savings Institutions and Other Depository Credit Intermediation (522180), Portfolio Management and Investment Advice (523940)

SIC

Savings Institutions, Not Federally Chartered (6036), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Savings Banks (Public/State-Owned) (FSABAKAK)

akta.pro secondary industry

Retail Wealth & Bancassurance Distribution (Investment & Insurance via Bank) (FSABAAAJ)

Keywords

• Retail banking services
• Savings and deposits
• Mortgage financing
• Wealth management
• Business banking

Headquarters

HQ city

Schweinfurt, Bayern

HQ country

Germany

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: As a public-law bank (Anstalt des Öffentlichen Rechts), Sparkasse Schweinfurt-Haßberge generates primary revenue from interest margins on lending products including S-Baufinanzierung, S-Privatkredit, S-Dispositionskredit, and LBS-Bauspardarlehen. Interest income also accrues from savings deposits and money market products.
2. Account and Card Fees: Revenue from various account models (S-Giro Komfort, S-Giro Klassik, S-Giro Smart, S-Giro Exklusiv), credit cards (Visa Standard, S-Komfortpaket Silber, S-Reise-/Komfortpaket Gold), and debit card (Sparkassen-Card).
3. Securities and Investment Management: Revenue from securities brokerage (Sparkassen-Depot), Deka investment fund products (Deka ETFs, Aktienfonds, Rentenfonds, Immobilienfonds), and wealth management services (SmartVermögen, Vermögensmanagement).
4. Insurance Distribution Commission: As a tied insurance agent (Gebundener Versicherungsvertreter) registered under D-IT5X-IUX5W-38, the Sparkasse earns commissions on distributed insurance products including S-Privat-Schutz, S-Einkommens-Schutz, S-Gesundheits-Schutz, S-Immobilien-Schutz, legal protection insurance, and Builder's legal protection insurance. The legal protection insurance is underwritten by ÖRAG Rechtsschutzversicherungs-AG.
5. LBS-Bausparen Products: Revenue from LBS building society products including Bausparverträge, Wohnungsbau-Prämie, Arbeitnehmer-Sparzulage, and Wohn-Riester products. As a Sparkassen-associated LBS partner, the institution earns spreads and fees on Bauspar contracts and related financing.

Pricing tiers

Go-to-market motion1 record

Distribution channels7 records

Marketing channels8 records

Core offering

Sparkasse Schweinfurt-Haßberge operates as a regional public savings bank providing comprehensive retail and corporate banking services to customers in the Schweinfurt and Haßberge districts. Core offerings include checking accounts (S-Giro), savings products, mortgage and personal loans, securities and investment services through DekaBank, LBS building society products with state subsidies, insurance distribution, and wealth management for private banking clients. Distribution combines a physical branch network with digital channels including online banking, the Sparkassen-App, and chatbot-based support.

Product overview

Sparkasse Schweinfurt-Haßberge operates as a regional public savings bank offering a comprehensive financial services portfolio organized around four core pillars: everyday banking (S-Girokonto, Sparkassen-Card, credit cards), savings and investments (LBS-Bausparen, securities trading via Sparkassen-Depot and Deka Investments, pension products), lending (S-Baufinanzierung, S-Privatkredit, S-Modernisierungskredit, KfW-Förderkredite), and insurance (S-Versicherungsmanager with bundled packages). The digital banking ecosystem centers on Online-Banking and the Sparkassen-App, supported by security tools (S-pushTAN-App, Geräteerkennung) and convenience features (Kontowecker, Card Control, Finanzplaner, Cockpit Immobilie). State subsidies including Wohnungsbau-Prämie, Arbeitnehmer-Sparzulage, and Wohn-Riester enhance the building society and retirement offerings. The bank distributes LBS building society products alongside Deka investment funds, providing a full spectrum from youth accounts through estate planning, with recognition as 'BESTE BANK vor Ort 2026' for private customer advisory services.

Differentiator

Problem solved

Functional benefit

Brands

• LBS (Landesbausparkasse): Building savings products offered in partnership with LBS for home ownership savings and financing solutions.
• Deka Investments
• S-Produkte (S-Giro, S-Privatkredit, S-Baufinanzierung, etc.)

Products and services

• S-Girokonto (S-Giro Exklusiv, Komfort, Klassik, Smart) Multi-tier checking account offering (S-Giro Exklusiv, Komfort, Klassik, Smart) for retail customers with varying fee structures, digital features, and benefit levels tailored to different banking needs.
• Online-Banking Web-based digital banking platform providing 24/7 account access, transfers, standing orders, electronic postbox, and account management accessible via browser with pushTAN or chipTAN authentication.
• Sparkassen-App Mobile banking application for smartphones and tablets offering account management, push notifications, card control, Wero instant payments, multibanking functionality, and biometric login support for retail customers.
• Sparkassen-Card (Debit Mastercard) Debit card combining Maestro and Mastercard functionality, accepted worldwide for payments and ATM withdrawals, with contactless payment capability.
• S-Reise-/Komfortpaket Gold (Mastercard Gold) Premium credit card package offering travel insurance, extended warranty, and concierge services with Mastercard Gold acceptance at over 30 million locations worldwide; annual fee EUR 85 with promotional free first year for ages 18-30.
• Visa Standard / S-Komfortpaket Silber Credit card products offering standard and mid-tier benefits with worldwide acceptance through the Visa network for retail customers.
• Sparbuch Digital Digital savings account offering competitive interest rates with full online accessibility and no minimum deposit requirements.
• S-Geldmarktkonto (Tagesgeld) Daily deposit account offering variable interest rates with immediate access to funds and no notice period requirements.
• Sparkassenkapitalbrief / Sparkassenbrief Fixed-term savings certificates offering guaranteed interest rates for specified periods, with Sparkassenkapitalbrief typically issued for longer terms.
• LBS-Bausparen Building society savings product offering interest rate security for future property financing, combining a savings phase with a guaranteed low-interest loan phase for home purchase, construction, or modernization.
• S-Baufinanzierung Comprehensive mortgage financing solution for purchasing, building, or renovating property with individual planning, reliable rates, flexible repayment options, and digital or in-person application process.
• S-Modernisierungskredit Personal loan for home modernization and energy efficiency improvements ranging from EUR 10,000 to EUR 75,000 with terms from 12 to 144 months and interest rates from 5.06% to 9.98% effective annual rate.
• S-Privatkredit Personal loan for general financing needs with flexible amounts and terms, offering competitive rates for borrowers with good credit standing.
• S-Dispositionskredit Authorized overdraft facility linked to the Giro account allowing short-term liquidity up to an approved limit, with variable interest rates applied only on the amount used.
• KfW-Förderkredite Government-subsidized loan programs through KfW development bank for energy-efficient building, renewable energy, and sustainable modernization projects.
• Sparkassen-Depot Securities custody account enabling investment in stocks, bonds, funds, and ETFs with access to Deka investment products and automated savings plans.
• SmartVermögen Robo-advisor service offering automated, algorithm-driven investment management with pre-built portfolios aligned to risk tolerance levels for retail investors.
• Deka Investments / DekaBank Depot Investment fund platform offering access to DekaBank's range of mutual funds, ETFs, certificates, and real estate funds with tax-efficient savings plans, distributed through Sparkasse advisors.
• S-Versicherungsmanager Insurance management platform enabling customers to view, manage, and optimize their insurance coverage across multiple providers, distributed as a tied insurance agent under registration D-IT5X-IUX5W-38.
• S-Privat-Schutz / S-Einkommens-Schutz / S-Immobilien-Schutz / S-Gesundheits-Schutz Bundled insurance packages providing comprehensive personal, income, property, and health protection covering liability, household contents, legal expenses, dental, hospital, and nursing care supplements.
• Bauherren-Rechtsschutz Legal protection insurance for property owners covering construction, purchase, and renovation disputes with up to EUR 100,000 coverage per case and a 5-year coverage period, underwritten by ÖRAG Rechtsschutzversicherungs-AG.
• Wohnungsbau-Prämie State subsidy program providing 10% annual bonus on building society deposits up to EUR 700 for singles (EUR 1,400 for couples), requiring taxable income below EUR 35,000 (EUR 70,000 for couples) thresholds.
• Wohn-Riester Government-subsidized home ownership scheme offering annual allowances up to EUR 175 plus child allowances, tax deductions, and a EUR 200 starter bonus for those under 25, for purchasing or building owner-occupied property.
• Arbeitnehmer-Sparzulage (VL-Sparen mit LBS-Bausparen) Government savings subsidy providing 9% allowance on monthly savings up to EUR 480 from employer, combinable with housing premiums and Riester subsidies.
• Riester-Rente Government-subsidized private pension scheme providing annual allowances and tax deductions for retirement savings in certified pension products.
• BasisRente (Rürup-Rente) Tax-deductible private pension insurance product for self-employed and high-income individuals, providing retirement income with flexible contribution levels.
• Private Rentenversicherung Traditional private annuity insurance offering guaranteed lifetime income starting at a specified age with death benefit options.
• Betriebliche Altersversorgung Occupational pension products allowing employees to build retirement savings through salary conversion schemes with employer matching and tax advantages.
• Firmenkonto / Firmenkredite / Firmenbaufinanzierung Business banking offerings for corporate customers, including dedicated business accounts, commercial lending, commercial real estate financing, and business securities management.

Quantifiable outcome

• Third consecutive year as 'BESTE BANK vor Ort 2026' — Testsieger in Schweinfurt for private customer advisory services
• +4 more outcomes

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature9 records

Partnerships

Three partnerships are on record, tiered core and minor.

• LBS (Landesbausparkasse Bayern)coreChannel Partner/ Reseller/ DistributorLBS (Landesbausparkasse Bayern) is the building society partner of Sparkasse Schweinfurt-Haßberge, offering state-subsidized home ownership savings products (LBS-Bausparen). The partnership distributes LBS-Bausparverträge with Wohnungsbau-Prämie (10% annual government bonus), Arbeitnehmer-Sparzulage (9% employee savings subsidy), and Wohn-Riester (up to €175 annual subsidy + €200 starter bonus). LBS handles contract administration while Sparkasse advisors cross-sell at branches and online.
• DekaBank (Deutsche Kapitalanlagegesellschaft)coreChannel Partner/ Reseller/ DistributorDekaBank, the securities and investment arm of the Sparkassen-Finanzgruppe, provides investment products distributed through Sparkasse Schweinfurt-Haßberge including Deka ETFs, Aktienfonds, Rentenfonds, Immobilienfonds, Deka-Zertifikate, DekaBank Depot, Deka-FondsSparplan, Deka-Online-Services, and Deka-Wertentwicklungsrechner. The bank also offers Deka-AbräumSparen, Deka-JuniorPlan, and sustainable investment products (Deka-Nachhaltige Geldanlage, Deka-Nachhaltige Zertifikate).
• ÖRAG Rechtsschutzversicherungs-AGminorChannel Partner/ Reseller/ DistributorÖRAG Rechtsschutzversicherungs-AG (Hansaallee 199, 40549 Düsseldorf) is the underwriter for the Bauherren-Rechtsschutz (Builder's Legal Protection) insurance product offered by Sparkasse Schweinfurt-Haßberge. The insurance has a coverage sum of €100,000 per legal case, a 5-year insured period, no waiting period, and includes MEINRECHT legal service. The product is exclusively available through the Sparkassen-Finanzgruppe.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Sparkasse Nürnberg: Another Bavarian public-law Sparkasse operating the same Anstalt des Öffentlichen Rechts model with a comparable full-service retail and corporate product suite. Most directly comparable as a fellow Bavarian Sparkasse within the Sparkassen-Finanzgruppe.
• Sparkasse Hannover: Major regional Sparkasse operating under the same public-law institutional form with full retail and corporate banking, securities, and insurance distribution. Closely comparable peer.
• Sparkasse KölnBonn: Larger regional Sparkasse operating the same public-law mandate and full-service retail product model. Directly comparable business structure, regulatory framework, and product line-up.
• Hamburger Sparkasse (Haspa): Public-law savings bank with the same institutional structure (Anstalt des öffentlichen Rechts) offering giro, lending, securities, and insurance distribution. Directly comparable operating model.
• Kreissparkasse München: Bavarian county-level Sparkasse serving the Munich region with the identical public-law mandate, product suite, and Sparkassen-Finanzgruppe membership. Most structurally similar peer.

Broad incumbents

• Deutsche Kreditbank (DKB): Large digital-first direct bank competing for retail deposits and consumer lending across Germany — overlap on giro, Tagesgeld, and personal loan categories.
• Volksbanken Raiffeisenbanken: Germany's cooperative banking sector — peer public-mandate depository institutions competing with Sparkassen for retail customers across Germany with similar three-pillar model (banking, building society, insurance).
• ING-DiBa: Germany's largest direct bank competing head-on for retail deposits, consumer lending, and securities customers. Represents the digital-banking incumbent Sparkasse competes against.

Others

• DekaBank: Central securities and investment arm of the Sparkassen-Finanzgruppe — both a key product partner (Deka ETFs/funds distributed by Sparkasse) and ecosystem counterpart. Relevant as a back-office infrastructure peer rather than direct competitor.

Emerging players

• N26: German-headquartered neo-bank targeting the same retail giro and everyday-banking segment, particularly younger customers. Represents the disruptive competitor threatening Sparkasse's Junge Kunden segment.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@sparkasse-sw-has?si=ntu8C7FundgYxvs6
• Facebookfacebook.com/sparkasse.sw.has
• LinkedInlinkedin.com/company/sparkasse-sw-has
• Instagraminstagram.com/sparkasse.sw.has

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 Sparkasse Schweinfurt-Haßberge