Sparkasse Ingolstadt Eichstätt

What Sparkasse Ingolstadt Eichstätt does

Sparkasse Ingolstadt Eichstätt is a German public savings bank (Sparkasse) organized as an Anstalt des öffentlichen Rechts (public-law institution), headquartered at Rathausplatz 6, 85049 Ingolstadt, Bavaria. Founded in 1827 and operating under the Sparkassen-Finanzgruppe umbrella, the bank is supervised by the European Central Bank and BaFin. It serves retail and business customers across the Ingolstadt and Eichstätt districts with Reinhard Dirr as Vorsitzender des Vorstandes (CEO) and Karl-Heinz Schlamp on the Vorstand. Its legal identifier is Sparkasse Ingolstadt Eichstätt Anstalt des öffentlichen Rechts, with BIC BYLADEM1ING.

The bank's product set spans current accounts (girokontos), mortgage and personal loans, Mastercard debit and credit cards, savings and investment products distributed through DekaBank, Bausparen via LBS, insurance, real-estate financing, and retirement planning products such as S-BasisRente. Distribution combines a physical branch network in the two districts with a digital stack comprising an Online-Banking portal, the Sparkasse mobile app, the S-pushTAN-App for transaction signing, an Elektronisches Postfach, chipTAN-QR authentication, Apple Pay tokenization, the Wero pan-European payment service, and Crossmo for international transfers. Customer-service automation is provided through "Linda," a text-based digital assistant whose intent-recognition layer runs on Google's NLP. Marketing and analytics integrations include YellowMap, intelliAd, Adform, Friendly Captcha, and ADTELLIGENCE, with S-Communication Services providing shared IT services across the Sparkassen-Finanzgruppe.

The revenue model follows the standard regional Sparkassen playbook: net interest income from the mortgage and personal-loan book funded by retail deposits, plus fee and commission income on cards, account services, and the distribution of Deka investment funds, LBS Bauspar products, and insurance. No subscription or transaction-based pricing tiers are disclosed, and no financial figures (revenue, balance sheet, employee count) are publicly reported. The firmographics-listed employee range of 1-10 is treated as a data-quality artifact inconsistent with a two-district regional bank; the actual operating model implies a multi-hundred-employee branch-and-digital franchise, with growth dependent on deposit gathering, loan-book expansion, and digital-channel cross-sell rather than on any disclosed capital-markets or off-balance-sheet activity.

Name

Sparkasse Ingolstadt Eichstätt

Legal name

Sparkasse Ingolstadt Eichstätt

Website

https://spk-in-ei.de

Company type

Private

Founded year

1827

Operating status

Operating

Headcount range

1–10 employees

Short description

Sparkasse Ingolstadt Eichstätt is a German public savings bank providing retail and business banking, lending, investment, insurance, and real estate financing services to customers across the Ingolstadt and Eichstätt regions of Bavaria.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Savings Institutions and Other Depository Credit Intermediation (52218), Depository Credit Intermediation (5221), Savings Institutions and Other Depository Credit Intermediation (522180)

SIC

Savings Institutions, Not Federally Chartered (6036)

akta.pro primary industry

Affluent / Mass-Affluent Private Banking (FSABADAC)

akta.pro secondary industries

Bank-Affiliated Retail Wealth Management (FSAAAAAB), Retirement & Pension Wealth (401(k)/IRA/SIPP/Superannuation Retail) (FSAAAAAJ)

Keywords

• Retail banking services
• Mortgage and consumer lending
• Savings and investments
• Insurance products
• Building society savings

Headquarters

HQ city

Ingolstadt

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, Others

Revenue model

1. Interest Income: Core banking revenue from lending activities, including mortgage loans (S-Baufinanzierung), personal loans (S-Privatkredit), and overdraft facilities (S-Dispositionskredit). Interest margin constitutes primary revenue stream for savings banks.
2. Account and Transaction Fees: Monthly account maintenance fees, transaction charges, and service fees for giro accounts, credit cards, and banking services. Includes fees for overdraft facilities and special services.
3. Investment Product Distribution: Commissions from distributing investment products including Deka investment funds, Wertpapierdepots (securities accounts), and fund savings plans (Deka-FondsSparplan). Revenue through distribution fees and management company partnerships.
4. Insurance Products: Commission revenue from insurance product sales including private health insurance, property insurance, liability insurance, and pension insurance products. Multiple insurance packages offered including S-Privat-Schutz and S-Gesundheitsschutz.
5. Real Estate Services: Revenue from property financing, real estate brokerage, and related services including S-ImmoPreisfinder (property valuation tool), immobility financing, and modernization loans.
6. Bauspar Products (LBS): Building society savings products with government subsidies including Wohn-Riester (state-subsidized home savings), VL-Sparen (capital formation savings), and related financing solutions.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

Sparkasse Ingolstadt Eichstätt is a regional German savings bank offering retail and commercial banking services including current accounts (Girokonto), Mastercard card products, consumer and mortgage loans (S-Privatkredit, S-Baufinanzierung), savings and securities accounts (Wertpapierdepot), investment funds via Deka, state-subsidized retirement products (S-BasisRente, Riester, Wohn-Riester), insurance coverage, LBS building society savings, real estate brokerage and financing tools (S-ImmoPreisfinder), and a digital banking platform comprising the Internet-Filiale, App Sparkasse, S-pushTAN authentication, chipTAN-QR, and the Linda chatbot. The bank serves private customers (Privatkunden), business customers (Firmenkunden), young customers, and high-net-worth individuals in the Ingolstadt and Eichstätt regions of Bavaria.

Product overview

Sparkasse Ingolstadt Eichstätt is a German public savings bank offering a comprehensive, multi-product financial services platform organized as a unified banking group with specialized product lines. The core offering comprises Girokonto (checking accounts) with Online-Banking access, complemented by Mastercard card products, loans and mortgage financing, and savings/investment services including Wertpapiere und Börse (securities brokerage) and Deka Investments. Retirement planning products include Sparkassen-Altersvorsorge (covering statutory, occupational, and private pensions) with specialized products like S-BasisRente, LBS-Bausparen with Wohn-Riester, and Deka investment funds. The insurance portfolio offers bundled packages (S-Privat-Schutz, S-Immobilienschutz, S-Gesundheitsschutz) alongside individual policies. Additional services span real estate (Immobilien), youth banking (Junge Kunden), Private Banking, and digital tools including App Sparkasse, S-pushTAN-App for authentication, Card Control, Elektronisches Postfach, and the digital assistant Linda. Payment integrations include Apple Pay, Mastercard, Wero, and PAYBACK, with cross-border transfer service Crossmo.

Differentiator

Problem solved

Functional benefit

Products and services

• Girokonto / Sparkassenkonto
• Online-Banking
• Mastercard Kredit- und Debitkarten
• Kredite und Finanzierungen
• Sparen und Anlegen
• Wertpapiere und Börse
• LBS-Bausparen
• LBS-Bausparen mit Wohn-Riester
• Sparkassen-Altersvorsorge
• S-BasisRente
• Versicherungen
• Immobilien
• Deka Investments
• Crossmo
• Private Banking
• Angebote für Junge Kunden

Quantifiable outcome

• Worldwide money transfers up to 3,000 EUR via Crossmo service
• +1 more outcomes

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

AI capability2 records

Feature6 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• Deka (DekaBank)coreTechnology or IntegrationPartnership for investment fund distribution. Offers Deka investment funds, Deka-FondsSparplan, Deka-Vermögensverwaltung Premium, and Deka-JuniorPlan. DekaBank serves as asset management company for Sparkassen-Finanzgruppe. Wide range of sustainable investment options available.
• LBS (Landesbausparkasse)coreTechnology or IntegrationBuilding society partnership offering LBS-Bausparen products with state subsidies. Products include Wohn-Riester (state-sponsored home savings), VL-Sparen (capital formation), and building society financing. LBS serves as housing savings specialist within Sparkassen-Finanzgruppe.
• ApplecoreTechnology or IntegrationApple Pay integration enabling mobile payments with Sparkassen-Card, Sparkassen-Kreditkarte, and Mastercard Basis via iPhone, Apple Watch, iPad, and Mac. Supports Face ID, Touch ID, and device code authentication for secure payments.
• MastercardcoreTechnology or IntegrationCredit card partnership offering Mastercard Standard, Mastercard Gold, Mastercard Platinum, Mastercard X-TENSION, and Mastercard Basis (debit). Cards available through Sparkasse with various benefit tiers.
• intelliAd Media GmbHminorGTM or Marketing PartnerCampaign measurement and analytics for nationwide or regional digital marketing campaigns. Cookie-based tracking with 100-day storage. Part of Sparkassen-Finanzgruppe marketing infrastructure.
• Adform A/SminorGTM or Marketing PartnerAdvertising delivery and campaign measurement for digital marketing campaigns. Cookie-based tracking with 60-day storage. Used for targeted advertising and campaign optimization.
• ADTELLIGENCE GmbHminorGTM or Marketing PartnerWebsite content personalization platform. Analyzes visitor behavior and context to deliver tailored content. Uses Matomo (Piwik) for analytics. Data stored on servers in Germany.
• S-Communication Services GmbHminorGTM or Marketing PartnerNewsletter distribution service for email marketing. Handles newsletter delivery and subscription management for Sparkasse. Uses Double-Opt-In for subscriber verification.

Scale indicators2 records

Recent moves6 records

Expansion highlights6 records

Others

• DekaBank: Central asset manager of the Sparkassen-Finanzgruppe and Sparkasse's core investment product partner. Relevant as the upstream supplier for Deka investment funds distributed by Sparkasse Ingolstadt Eichstätt.
• LBS (Landesbausparkasse): Building society partner within the Sparkassen-Finanzgruppe providing housing savings products (Wohn-Riester, LBS-Bausparen) distributed by Sparkasse Ingolstadt Eichstätt. Adjacent ecosystem participant.

Direct peers

• Kreissparkasse München Starnberg Ebersberg: Another Bavarian Sparkasse operating under the same public-law, Sparkassen-Finanzgruppe model with comparable retail, lending, and wealth management offerings. Highly comparable on product mix, regulatory structure, and customer base.
• Volksbanken Raiffeisenbanken: Germany's cooperative banking network operating parallel to the Sparkassen system. Competes for the same retail and SME customers in Bavaria with similar deposit-taking and lending franchises.
• Sparkasse Nürnberg: Regional Bavarian Sparkasse offering identical product architecture (S-Privatkredit, S-Baufinanzierung, Deka funds, LBS products). Closely comparable operational and competitive profile.
• Stadtsparkasse München: Munich-based municipal Sparkasse with similar full-service retail and business banking franchise. Directly comparable in governance, product breadth, and customer segments, though serving a larger urban market.

Broad incumbents

• HypoVereinsbank (UniCredit): Major German universal bank competing in the same Bavarian retail, wealth, and corporate banking markets. Broader geographic reach and product portfolio than the regional Sparkasse.
• Deutsche Bank: Germany's largest universal bank offering retail, wealth, and investment services that overlap with Sparkasse Ingolstadt Eichstätt's offerings, but with a national footprint and broader capital markets capabilities.

Emerging players

• ING Deutschland: Direct bank competing aggressively on retail deposits, mortgages, and investment products. Represents the digital-first competitive threat to Sparkasse's traditional branch-based model.
• DKB (Deutsche Kreditbank): Digital bank focused on retail banking and consumer lending. Competes with Sparkasse on mortgages, deposit accounts, and investment products via online channels.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights5 records

Customer concentration

• YouTubeyoutube.com/user/SparkasseIngolstadt
• Facebookfacebook.com/SpkInEi
• Instagraminstagram.com/sparkasse.in.ei/?hl=de

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 Ingolstadt Eichstätt