Sparkasse Erding - Dorfen

What Sparkasse Erding - Dorfen does

Sparkasse Erding - Dorfen (legal name: Kreis- und Stadtsparkasse Erding - Dorfen) is a regional German public savings bank founded in 1825 and headquartered in Erding, Bavaria, with a second location in Dorfen. The bank operates as a public-law institution (Anstalt des öffentlichen Rechts) under the supervision of the European Central Bank and BaFin, and is a member of the Sparkassen-Finanzgruppe network. It serves approximately 45 employees and targets retail customers, small and medium-sized enterprises, young people, and private banking clients in the Erding-Dorfen district through both physical branches and digital channels.

The product portfolio is comprehensive and follows the standard German Sparkassen model: current accounts (GiroKlassik, GiroKomfort, GiroFun), payment cards (Sparkassen-Card, Mastercard Standard/Gold/Platinum/Basis, Visa Standard), mortgage and consumer lending (S-Baufinanzierung, S-Privatkredit, S-Autokredit), savings and investment products (S-Geldmarktkonto, SPKED Invest, SPKED Smart Balance, S-Neo, SmartVermögen, Sparkassen-Depot, DekaBank Depot), state-subsidized retirement and housing products (Riester-Rente, Wohn-Riester, LBS-Bausparen, Betriebliche Altersversorgung), and insurance products (S-Privat-Schutz, S-Immobilien-Schutz, Risiko-Lebensversicherung, and others) distributed via Versicherungskammer Bayern. The technology stack includes the App Sparkasse mobile application, an Online-Banking portal with features such as Multibanking, Wero instant payments, S-pushTAN authentication, Elektronisches Postfach, and the Chatbot Linda digital assistant powered by Google intent recognition for text-based customer support.

Revenue is generated primarily through net interest income on mortgage and consumer lending, account and card fees, and commissions on securities, investment funds, insurance, and Bauspar products sold through group partners. The bank follows a multi-channel go-to-market approach combining direct-to-consumer retail banking with consultative sales for complex advisory products (Baufinanzierung, Altersvorsorge, Versicherungen). Marketing spans owned digital channels (Instagram, Facebook, LinkedIn, YouTube, newsletter), paid digital (Google Ads, intelliAd), and community engagement (Planspiel Börse financial education, KNAX-Digital for youth). The bank has received the "BESTE BANK vor Ort" award in Erding (2024) and the "BESTE der BESTEN" 3-year winner designation (2024-2026), plus a Silber for best advisory quality in Baufinanzierung in Bavaria from Die Welt (2024).

Name

Sparkasse Erding - Dorfen

Legal name

Kreis- und Stadtsparkasse Erding - Dorfen

Website

https://spked.de

Company type

Private

Founded year

1825

Operating status

Operating

Headcount range

11–50 employees

Short description

Sparkasse Erding - Dorfen is a 200-year-old German public-law savings bank headquartered in Erding, Bavaria, serving retail, SME, youth, and private banking customers in the Erding-Dorfen district with full-service banking, lending, investment, and insurance products distributed through branches, mobile, and online channels.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Savings Institutions and Other Depository Credit Intermediation (522180), Depository Credit Intermediation (5221)

SIC

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

akta.pro primary industry

Mutual Savings Banks & Mutual Thrifts (FSABAEAD)

Keywords

• Retail banking services
• Savings and checking accounts
• Mortgage and consumer lending
• Investment and asset management
• Insurance and retirement planning

Headquarters

HQ city

Erding

HQ country

Germany

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Zinserträge (Interest Income): Primary revenue from interest margins on mortgage loans (Baufinanzierung), personal loans (Privatkredit, Autokredit), and business lending. Also earns interest on customer deposits.
2. Kontoführungsgebühren (Account Fees): Monthly account maintenance fees for various Girokonto models (GiroKlassik, GiroKomfort) and associated services.
3. Kartengebühren (Card Fees): Revenue from Sparkassen-Card (debit) and credit cards (Mastercard Standard/Gold/Platinum, Visa Standard).
4. Wertpapier- und Investmentprodukte: Commissions from securities trading (Sparkassen-Depot, DekaBank Depot), investment fund sales (Deka Investments, S-Neo), and asset management services (Vermögensmanagement, SmartVermögen).
5. Versicherungsprodukte: Commission revenue from insurance products including S-Privat-Schutz, S-Immobilien-Schutz, Risiko-Lebensversicherung, and other insurance packages through Versicherungskammer Bayern.
6. Bauspar-Produkte: Revenue from LBS-Bausparen products including state-subsidized home savings contracts and Wohn-Riester products.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels10 records

Core offering

Sparkasse Erding - Dorfen is a regional German public savings bank (Kreis- und Stadtsparkasse) serving retail and business customers in the Erding-Dorfen district of Bavaria. It provides a full suite of financial services including current accounts, savings products, payment cards, mortgage and consumer loans, securities and investment products, insurance, and retirement planning, distributed through branches, online banking, mobile app, and advisory channels.

Product overview

Sparkasse Erding - Dorfen operates as a regional savings bank (Kreis- und Stadtsparkasse) offering a comprehensive financial services portfolio organized around core banking products and insurance solutions. The product architecture comprises: (1) Core Banking: S-Girokonto (current accounts in multiple tiers), Online-Banking via web and App Sparkasse, payment cards including Sparkassen-Card, Mastercard (Standard/Gold/Platinum/Basis), and Visa; (2) Financing: S-Baufinanzierung (construction loans up to 100%), S-Privatkredit, S-Autokredit, and S-Dispositionskredit; (3) Savings & Investment: S-Geldmarktkonto, SPKED Invest, SPKED Smart Balance, S-Neo (ETF investment app), SmartVermögen, Sparkassen-Depot, DekaBank Depot, S Broker DepotPlus, bevestor, Spartöpfe, and various savings bonds; (4) Retirement: S-Vorsorgeplan, LBS-Bausparen, Wohn-Riester, Betriebliche Altersversorgung, BasisRente, Private Rentenversicherung, JuniorRente, SofortRente, and Riester-Rente; (5) Insurance: bundled packages (S-Privat-Schutz, S-Immobilien-Schutz, S-Gesundheits-Schutz, S-JuniorPlan), property insurance (Hausratversicherung, Wohngebäude Vario), vehicle insurance (Kfz, Moped), health insurance (Private Krankenversicherung, Zahn-Zusatzversicherung), travel insurance (Auslandsreise-Krankenversicherung, Reiserücktrittsversicherung), legal protection, Berufsunfähigkeitsversicherung, and Risiko-Lebensversicherung; (6) Digital Tools: Cockpit Immobilie, Finanzakademie, KNAX-Digital, Multibanking, Kontowecker, Card Control, Fotoüberweisung, and Anlagekonfigurator. The bank also offers specialized services like BaufiSchutz Plus, device recognition security, and S-Vorteilswelt loyalty program, delivered in partnership with DekaBank, LBS, and Versicherungskammer Bayern.

Differentiator

Problem solved

Functional benefit

Brands

• S-Neo: Digital investment depot offering ETFs, funds, and stocks for new investors.
• S-Baufinanzierung
• S-Privatkredit
• SPKED Invest
• SPKED Smart Balance
• App Sparkasse
• S-pushTAN
• Wero

Products and services

• S-Girokonto (GiroKlassik, GiroKomfort, GiroKomfort für Junge Erwachsene, GiroFun)

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration14 records

AI capability3 records

Feature8 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• LBS (Landesbausparkasse Bayern)coreStrategic or Co-development PartnerLBS-Bausparen products offered for home savings, state-subsidized housing savings (Wohnungsbauprämie), and combined with Wohn-Riester for retirement and home purchase. Long-standing partnership within Sparkassen-Finanzgruppe.
• DekaBankcoreStrategic or Co-development PartnerInvestment fund distribution (Deka Investments, Deka ETF), securities depot services (DekaBank Depot), and asset management products (SmartVermögen). Major Sparkassen group partner for capital markets products.
• Versicherungskammer Bayern (VKB)coreStrategic or Co-development PartnerInsurance products including S-Vorsorgeplan, JuniorRente, Risiko-Lebensversicherung, S-Privat-Schutz, S-Immobilien-Schutz. Germany's largest public insurer as insurance partner for Sparkasse.
• Bayern-Versicherung Lebensversicherung AGminorStrategic or Co-development PartnerRisk carrier for occupational pension schemes (Betriebliche Altersversorgung). Subsidiary of Versicherungskammer Bayern.
• PAYBACKminorGTM or Marketing PartnerLoyalty points program integrated with Sparkassen-Card for everyday banking and payments.
• LEGOLAND Deutschland ResortminorGTM or Marketing PartnerDiscount voucher program for LEGOLAND tickets offered to Sparkasse customers as promotional partnership.
• ABOUT YOUminorGTM or Marketing PartnerFashion e-commerce partnership with exclusive discounts for Sparkasse payment customers.

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Stadtsparkasse München: Largest municipal savings bank in Bavaria operating under the same Sparkassen-Finanzgruppe framework. Directly comparable as a regional Sparkasse offering the same product suite (S-Baufinanzierung, S-Girokonto, Deka funds, LBS Bausparen) to retail and business customers in a defined Bavarian geography.
• Kreissparkasse München Starnberg Ebersberg: Neighboring Bavarian Kreis-Sparkasse with overlapping rural-urban catchment. Operates an identical product and digital platform (App Sparkasse, Online-Banking, S-Baufinanzierung) and competes for retail and SME customers in adjacent districts.
• Kreissparkasse Köln: Large regional Sparkasse operating the same shared platform, product naming conventions (S-Girokonto, S-Baufinanzierung), and Sparkassen-Finanzgruppe partnerships. Useful benchmark for the S-Baufinanzierung, S-Vorsorgeplan, and digital banking playbooks.
• Volksbank Raiffeisenbank Erding eG: Local cooperative bank (Volksbank) serving the same Erding district. Competes head-to-head for retail and SME customers with deposit accounts, mortgage lending, and investment products under a member-owned cooperative structure.

Broad incumbents

• DZ Bank (Deutsche Zentral-Genossenschaftsbank): Central institution of the cooperative banking sector in Germany. Not a direct competitor at retail, but a broad incumbent offering parallel deposit, lending, and investment infrastructure to the cooperative network that overlaps with Sparkassen in the same customer segments.
• Deutsche Bank AG: Germany's largest universal bank, offering retail, mortgage, investment, and insurance products nationwide. Competes with Sparkasse Erding-Dorfen for higher-income retail, Private Banking, and SME customers in the Erding-Dorfen catchment.
• Commerzbank AG: Major national bank with a strong German retail and SME franchise. Competes with the Sparkasse in giro accounts, mortgage lending, and business banking for customers in the greater Munich/Bavaria region.

Emerging players

• N26 GmbH: Berlin-based neobank with a mobile-first German retail account product. Competes with the Sparkasse for primary banking relationships among younger, urban, and digitally-native customers, including those in the Erding commuter belt around Munich.
• DKB (Deutsche Kreditbank): Direct bank owned by BayernLB, offering online giro, brokerage, and mortgage products. Operates within the same Sparkassen-adjacent public-sector banking ecosystem and competes for digitally-active retail and SME customers.
• ING Deutschland: Direct bank with a large German retail deposit and consumer lending base. Competes with the Sparkasse on online giro accounts, low-fee brokerage, and consumer credit, particularly for digitally-native customers in the bank's catchment.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCchAK5fnPIPm97OSXJxketA
• Facebookfacebook.com/sparkasse.erding.dorfen
• LinkedInlinkedin.com/company/sparkasse-kreis--und-stadtsparkasse-erding-dorfen
• Instagraminstagram.com/sparkasse.erding.dorfen

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Erding - Dorfen