Sparkasse Rottal-Inn

What Sparkasse Rottal-Inn does

Sparkasse Rottal-Inn is a German regional savings bank organized as a public law institution (Anstalt des öffentlichen Rechts) under German banking law, headquartered in Eggenfelden, Bavaria, and operating across the Rottal-Inn district of Lower Bavaria. It is a member of the Sparkassen-Finanzgruppe, Germany's largest banking group, and operates under BLZ 74351430 with approximately 67 employees. The bank serves three primary segments: retail customers (Privatkunden), corporate clients (Firmenkunden) in the regional SMB market, and young customers (Junge Kundinnen und Kunden) including students and minors, with use cases spanning daily banking, savings, mortgage and consumer lending, investment and securities, insurance brokerage, retirement planning, and real estate services.

The product portfolio centers on a multichannel distribution model combining a regional branch network with the Sparkassen-App, S-pushTAN-App for transaction authentication (including biometric and device-recognition login), online banking (Internet-Filiale), WhatsApp banking, and chat/video advisory. Core products include the Privatgiro current account family, Sparkassen-Card and Mastercard/Visa credit cards, S-Baufinanzierung mortgages, S-Modernisierungskredit renovation loans (€3,000–€50,000), LBS-Bausparen building society contracts, KfW-Förderkredite subsidized loans, Sparkassen-Depot and S-Neo Depot securities accounts, Deka investment funds, ETF/stock savings plans, Geldmarktkonto, Sparkassenbrief fixed-term savings, real estate brokerage (Cockpit Immobilie, S-ImmoPreisfinder), and retirement products. The bank also functions as a tied insurance broker.

Revenue is generated through interest income from lending (mortgages, personal loans, overdrafts, modernization credits), account and transaction fees, distribution commissions from Deka investment funds and LBS building society products, insurance brokerage commissions, and real estate service fees. The bank relies on ecosystem partnerships — DekaBank, LBS Bayern, KfW, BAFA, Mastercard, Visa, and S-Markt & Mehrwert — to deliver its product set, and complies with PSD2, GDPR, TDDDG, and EU-US Data Privacy Framework requirements. Pricing is quote-based and not publicly disclosed.

Name

Sparkasse Rottal-Inn

Legal name

Sparkasse Rottal-Inn

Website

https://spk-ri.de

Company type

Private

Operating status

Operating

Headcount range

51–100 employees

Short description

Sparkasse Rottal-Inn is a publicly-owned German savings bank headquartered in Eggenfelden, Bavaria, serving retail, corporate, and young customers across the Rottal-Inn district with accounts, lending, investment, insurance, and real estate products via branches and digital channels.

Ownership category

akta.pro rank

Headquarters

HQ city

Eggenfelden

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income from Lending: Primary revenue stream from interest earned on mortgage loans (S-Baufinanzierung), personal loans (Sparkassen-Privatkredit), overdraft facilities (Dispositionskredit), and modernization credits (S-Modernisierungskredit). Interest rates are competitive with promotional rates available through KfW programs.
2. Account and Transaction Fees: Commission income from account management fees, payment transaction fees, card issuance and usage fees (Mastercard, Sparkassen-Card), and foreign exchange transactions.
3. Bausparvertrag Products: Revenue from LBS building society savings contracts including account maintenance fees and interest spread on Bauspardarlehen. Products are complemented by state subsidies (Wohnungsbauprämie, Arbeitnehmer-Sparzulage, Wohn-Riester) that incentivize customer participation.
4. Investment Products Distribution: Commission income from distributing Deka investment funds, securities brokerage (Sparkassen-Depot, S Broker DepotPlus), ETFs, certificates, and asset management products.
5. Insurance Products: Commission revenue as a tied insurance broker (Versicherungsvermittler) offering building insurance, personal insurance, and specialty coverage for property owners including Bauherren-Rechtsschutz.
6. Real Estate Services: Revenue from property financing, real estate brokerage services, and related advisory services for property transactions.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels5 records

Core offering

Sparkasse Rottal-Inn is a regional public-law savings bank offering retail and small-business banking products including current accounts (Privatgiro variants), debit and credit cards (Sparkassen-Card, Mastercard, Visa), mortgages and consumer loans (S-Baufinanzierung, Sparkassen-Privatkredit, S-Modernisierungskredit), state-subsidized building society savings via LBS, KfW promotional loans, securities and investment products (Sparkassen-Depot, Deka funds, S-Neo Depot), retirement planning, insurance brokerage, and real estate services. Distribution combines physical branches in the Rottal-Inn district with digital channels including App Sparkasse, Online-Banking, S-pushTAN-App, and WhatsApp banking.

Product overview

Sparkasse Rottal-Inn is a German public-law bank offering a comprehensive retail banking portfolio organized around core account services, lending products, and investment solutions. The product architecture centers on Online-Banking and the App Sparkasse as the primary digital access channels, supplemented by the S-pushTAN-App for transaction authorization and Geräteerkennung for secure device login. The current account suite includes multiple Privatgiro variants (smart, vario, kompakt, starpac, Young Giro, Zukunftskonto) targeting different customer segments, supported by debit and credit cards (Sparkassen-Card, Mastercard, Visa). Lending offerings span S-Baufinanzierung for mortgages, S-Modernisierungskredit for renovations, LBS-Bausparen combining government subsidies with guaranteed low interest rates, KfW-Förderkredite for energy efficiency, and general consumer credit products. Investment services include S-Neo Depot for mobile-first ETF/fund investing, Sparkassen-Depot and S Broker DepotPlus for self-directed trading, Deka Investments for managed funds, and structured savings products (Geldmarktkonto, Sparkassenbrief). Real estate services feature Cockpit Immobilie for digital property management, S-ImmoPreisfinder for valuations, and physical services including drone photography and 360-degree virtual tours. Retirement planning encompasses LBS-Bausparen with state subsidies, Betriebliche Altersversorgung, and private pension products. The product ecosystem is tied together through Finanzplaner for budgeting, Finanzakademie for financial education, and cross-bank Multibanking capabilities. Mobile payments include Apple Pay, Android Pay, and the Wero instant payment service.

Differentiator

Problem solved

Functional benefit

Products and services

• Privatgirokonto (Current Account Suite) Current account suite for individual customers offering daily transaction banking, card-linked services, and varying fee structures and service inclusions across multiple model variants.
• Sparkassen-Card and Mastercard/Visa Payment Cards Payment card products for retail customers offering cash withdrawals, point-of-sale payments, 3-D Secure authentication, and mobile payment integration.
• S-Baufinanzierung (Mortgage Lending) Mortgage financing product for retail customers purchasing, building, or renovating residential property, with flexible terms and Sondertilgung (early repayment) options.
• Sparkassen-Privatkredit (Personal Loan) Consumer credit product providing flexible personal financing for retail customers with competitive interest rates and customizable terms.
• S-Modernisierungskredit (Renovation Loan) Renovation credit product offering loans from 3,000 to 50,000 EUR with 12-120 month terms for residential property modernization, effective annual interest from 4.91%.
• LBS-Bausparen (Building Society Savings) Building society savings contracts distributed in partnership with LBS Bayern offering government subsidies (Wohnungsbauprämie, Arbeitnehmer-Sparzulage, Wohn-Riester) and favorable loan interest for home purchase or renovation.
• LBS-Modernisierung (Home Modernization Financing) Home modernization financing package combining LBS building society savings with Sparkasse loans, leveraging state subsidies and renovation cost calculators.
• KfW-Förderkredite (Government-Backed Loans) Government-backed promotional loans for energy-efficient building, renovation, and sustainable modernization projects administered in partnership with KfW.
• Sparkassen-Depot & S Broker DepotPlus (Securities Account) Securities custody account and brokerage services for retail customers to invest in stocks, bonds, mutual funds, ETFs, and structured products.
• S-Neo Depot (Mobile-First Investment Depot) Mobile-first investment depot launched in 2024 enabling beginners to invest in ETFs, funds, and stocks through the Sparkasse app as an accessible entry point to securities investing.
• Deka Investments (Investment Fund Products) Distribution of DekaBank investment fund products including DekaBasisAnlage, Deka-FondsSparplan, ETFs, real estate funds, and mixed/equity/bond funds for retail investors.
• ETF-Sparplan & Aktien-Sparplan (Recurring Investment Plans) Recurring savings plans allowing customers to regularly invest in ETFs and individual stocks via flexible monthly contributions.
• Geldmarktkonto / Tagesgeld (Money Market Savings Account) Savings account providing competitive interest rates with daily access to funds for retail customers.
• Sparkassenbrief & Sparkassenkapitalbrief (Fixed-Term Savings) Fixed-term savings products offering guaranteed interest rates for medium to long-term retail savings goals.
• Sparkassen-Altersvorsorge (Retirement Planning) Retirement planning offering including private pension insurance (SofortRente, JuniorRente), company pension schemes, and state-subsidized retirement savings products.
• Betriebliche Altersversorgung (Occupational Pension) Occupational pension provision products assisting employers and employees in establishing company-sponsored retirement benefits.
• Immobilien-Services (Real Estate Services) Real estate brokerage and advisory services including property search, buying/selling support, financing guidance, and modernization planning with virtual tours.
• S-ImmoPreisfinder (Online Property Valuation) Online valuation tool providing market value estimates for real estate based on location and property characteristics.
• App Sparkasse (Mobile Banking) Mobile banking application for smartphones and tablets providing account management, transfers, photo-based transfers, Wero instant payments, multibanking, and card control functionality.
• S-pushTAN-App (Transaction Authentication App) Mobile application generating transaction authentication numbers (TAN) for online banking transactions, with multilingual support and biometric device recognition for secure login.
• Finanzakademie (Financial Education Platform) Financial education platform offering structured learning journeys covering investing, tax planning, and other personal finance topics.
• Finanzplaner (Household Budgeting Tool) Digital household budgeting tool integrated within online banking for tracking income, expenses, and monthly budgets with a fixed cost calculator.
• Cockpit Immobilie (Digital Property Management) Digital real estate management tool supporting property buyers and owners across the property lifecycle, including financing applications, document uploads, and market value tracking.

Quantifiable outcome

• State subsidies (Wohnungsbauprämie) provide 10% annual return on savings up to 700 EUR for individuals
• +2 more outcomes

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature6 records

Partnerships

Six partnerships are on record, tiered core and major.

• LBS (Landesbausparkasse) BayerncoreStrategic or Co-development PartnerLBS serves as the building society partner for Sparkasse Rottal-Inn, providing LBS-Bausparen products for home savings and financing. The partnership offers state-subsidized building society contracts with Wohnungsbauprämie (housing bonus), Arbeitnehmer-Sparzulage (employee savings subsidy), and Wohn-Riester (state-subsidized retirement savings). LBS products enable both capital accumulation phases and favorable loan phases for property financing.
• DekaBankcoreStrategic or Co-development PartnerDekaBank provides investment fund products distributed through Sparkasse Rottal-Inn including DekaBasisAnlage, Deka-FondsSparplan, ETFs, certificates, and real estate funds. The partnership enables access to Deka investment products with dedicated Deka-Depot management and DekaBank depot services.
• KfW (Kreditanstalt für Wiederaufbau)majorStrategic or Co-development PartnerKfW promotional bank provides subsidized loan programs for energy-efficient building, modernization, and renewable energy projects. Sparkasse Rottal-Inn acts as distribution partner for KfW-Förderkredite offering below-market interest rates for qualifying projects.
• BAFA (Bundesamt für Wirtschaft und Ausfuhrkontrolle)majorStrategic or Co-development PartnerBAFA provides subsidies for energy-efficient modernization projects including heating system replacements, insulation, and renewable energy installations. Sparkasse Rottal-Inn incorporates BAFA subsidies into comprehensive modernization financing packages.
• MastercardcoreTechnology or IntegrationCredit card network provider for Mastercard-branded cards including Standard, Gold, Platinum, and Basis debit cards. Cards offer features including 3-D Secure authentication, Apple Pay integration, and various insurance benefits.
• VisacoreTechnology or IntegrationCredit card network provider for Visa Standard credit cards with standard card features and benefits.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• DKB (Deutsche Kreditbank): Direct bank owned by BayernLB offering girokonto, Brokerage, and consumer credit with a digital-first model. Targets similar retail customers and competes in Tagesgeld, Wertpapier-Depot, and personal loan categories.
• Trade Republic: Berlin-based mobile-first broker and primary bank challenger offering free securities trading, savings plans, and Tagesgeld. Directly competes with Sparkassen-Depot, S-Neo, and Geldmarktkonto for younger, digitally-active retail investors.
• ING-DiBa: Germany's largest direct bank competing head-on in girokonto, Tagesgeld, brokerage (ETFs, funds), and consumer credit. Competes for the same retail customers but with a digital-only, low-fee model that pressures Sparkasse Rottal-Inn's primary banking relationships.

Direct peers

• Sparkasse Nürnberg-Erlangen: Another Bavarian Sparkasse operating under the same Sparkassen-Finanzgruppe with similar product suite (Girokonto, Baufinanzierung, LBS-Bausparen, Deka investments) and public-law institution status. Directly comparable in business model, customer base (retail + SME), and regulatory environment.
• Stadtsparkasse München: Munich-based public-law savings bank with the same Sparkassen-Finanzgruppe product suite. Useful benchmark for digital banking capabilities, Baufinanzierung volumes, and modernized app experiences within the Sparkassen system.
• Sparkasse KölnBonn: Large regional Sparkasse serving Cologne/Bonn with the same Anstalt des öffentlichen Rechts structure, identical S-App, S-pushTAN, and product architecture (Sparkassen-Card, LBS, Deka). Comparable in offering though larger in scale.
• Volksbank Raiffeisenbank Rottal-Inn: Cooperative bank (Volksbanken Raiffeisenbanken group) directly competing in the Rottal-Inn district with the same retail/SME banking focus, branch network, and member-owned governance structure. Closest geographic competitor.

Broad incumbents

• HypoVereinsbank (UniCredit): Large Bavarian-headquartered universal bank offering retail, SME, wealth, and corporate banking across the same geography. Competes with Sparkasse Rottal-Inn for higher-income retail customers, mortgages, and SME banking with a much broader product portfolio.
• Commerzbank: Major German full-service bank with retail, SME, and corporate divisions competing in girokonto, Baufinanzierung, brokerage, and consumer credit. Less localized than Sparkasse Rottal-Inn but a meaningful competitor for digital and higher-end retail customers in Bavaria.

Others

• LBS Bayerische Landesbausparkasse: Building society partner that supplies the LBS-Bausparen, LBS-Modernisierung, and Bauspar-Darlehen products Sparkasse Rottal-Inn distributes. Not a competitor but a critical upstream partner whose product terms and subsidy frameworks directly shape the bank's offering.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xxing.com/companies/SPARKASSEROTTAL-INN
• Facebookfacebook.com/spkrottalinn
• LinkedInlinkedin.com/company/sparkasse-rottal-inn
• Instagraminstagram.com/spkrottalinn
• TikToktiktok.com/@sparkasse.rottal.inn

Compliance5 records

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 Rottal-Inn