What Stadtsparkasse Bocholt does

Stadtsparkasse Bocholt is a regional German savings bank (Sparkasse) organized as an Anstalt des öffentlichen Rechts (public law institution), headquartered at Neutorplatz 1, 46395 Bocholt, North Rhine-Westphalia. It is a member of the Sparkassen-Finanzgruppe, one of Germany's largest banking groups, and operates under ECB and BaFin supervision. The bank serves retail customers (Privatkunden) and corporate clients (Firmenkunden) in the Bocholt region through a combination of physical branch presence, online banking, mobile apps (App Sparkasse, S-Invest App, S-pushTAN-App), and assisted-service channels (video chat, phone advisory, service hotline).

The product portfolio spans the full retail and SME banking stack: S-Girokonto variants (Giro Aktiv, Giro Komfort, Giro Zukunft, Mitwachsendes Konto), savings products (S-FairZins-Konto Tagesgeld at 0.30%-0.40%, Sparkassenbrief fixed-term deposits up to 2.80%), lending (S-Baufinanzierung mortgages, S-Privatkredit, S-Autokredit, S-Dispositionskredit, Forward-Darlehen, S-Modernisierungskredit), securities (DekaBank Depot, S-Broker DepotPlus, ETF-Sparplan from €25/month, Fonds-Sparplan), insurance distribution, retirement planning (RiesterRente, S-BasisRente, Betriebliche Altersvorsorge, GarantRente), and LBS-Bausparen. Digital infrastructure includes chipTAN/pushTAN authentication, Geräteerkennung device recognition (180-day cookie), Kontowecker alerts, Elektronisches Postfach, Finanzplaner budgeting tool, and Cockpit Immobilie property management, supported by Dynatrace performance monitoring and AUTHADA/IDNow identity verification.

Revenue is generated through interest income on loans and mortgages, account and card fees (Mastercard Standard/Gold/Platinum, Sparkassen-Card), securities trading commissions, insurance distribution commissions, and savings deposit margins. Payment integrations include Apple Pay, Google Pay (Mobiles Bezahlen Android), Wero instant payments, and PAYBACK loyalty. The bank has no disclosed M&A, funding rounds, or external investors; ownership is public in nature within the Sparkassen-Finanzgruppe umbrella. Leadership includes Karl-Heinz Bollmann as Vorsitzende(r) des Vorstandes, Joachim Schüling as Mitglied des Vorstandes, and Oliver Engels as Datenschutzbeauftragter.

Name

Stadtsparkasse Bocholt

Legal name

Stadtsparkasse Bocholt

Website

https://stadtsparkasse-bocholt.de

Company type

Private

Founded year

1841

Operating status

Operating

Short description

Stadtsparkasse Bocholt is a regional German public savings bank (Anstalt des öffentlichen Rechts) serving retail and corporate customers in Bocholt, North Rhine-Westphalia. It provides full-service banking including accounts, savings, mortgages, securities, insurance, and retirement planning via branches, online banking, and the App Sparkasse mobile platform.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Depository Credit Intermediation (5221), Savings Institutions and Other Depository Credit Intermediation (522180), Commercial Banking (522110)

SIC

Savings Institutions, Not Federally Chartered (6036), Functions Related To Depository Banking, Nec (6099)

akta.pro primary industry

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

akta.pro secondary industries

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA), Retail Wealth & Bancassurance Distribution (Investment & Insurance via Bank) (FSABAAAJ), Mutual Savings Banks & Mutual Thrifts (FSABAEAD)

Keywords

• Retail banking services
• Savings accounts
• Mortgage lending
• Consumer credit
• Private banking

Headquarters

HQ city

Bocholt

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

Revenue model

1. Interest Income: Traditional banking revenue from interest rate spreads on loans and mortgages including S-Baufinanzierung, S-Privatkredit, S-Autokredit, and S-Dispositionskredit.
2. Account and Card Fees: Fees from giro accounts, credit cards (Mastercard Standard, Gold, Platinum), Sparkassen-Card, and various account management services.
3. Securities Trading Commission: Revenue from securities brokerage including Deka investment funds, ETFs, certificates, and fund savings plans through Sparkassen-Depot and DekaBank Depot.
4. Insurance Distribution: Commission revenue from insurance product distribution including liability, accident, property, health, and travel insurance products.
5. Savings Products: Interest-bearing deposits including Tagesgeld (S-FairZins-Konto), Sparkassenbrief, and building society savings (LBS-Bausparen).

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels9 records

Core offering

Stadtsparkasse Bocholt is a regional German public savings bank (Sparkasse) offering retail and corporate banking services including checking accounts (S-Girokonto), savings products (S-FairZins-Konto, Sparkassenbrief), consumer and mortgage loans, securities and investment services via DekaBank, insurance distribution, and retirement planning. It delivers these services through a physical branch in Bocholt combined with digital channels (App Sparkasse, Online-Banking, S-Invest App) and is part of the Sparkassen-Finanzgruppe.

Product overview

Stadtsparkasse Bocholt operates as a regional German savings bank (Sparkasse) offering a comprehensive suite of banking products and services. The core offering centers on traditional banking: S-Girokonto (checking accounts) with multiple variants for different customer segments, S-FairZins-Konto and Sparkassenbrief (savings products), and various credit facilities including S-Baufinanzierung (mortgages) and S-Privatkredit (personal loans). The securities arm provides investment services through DekaBank Depot, S-Broker DepotPlus, ETF-Sparplan, and Fonds-Sparplan, supported by the S-Invest App and Fonds-Finder tool. Digital banking infrastructure includes App Sparkasse and Online-Banking with pushTAN/chipTAN authentication, Elektronisches Postfach, and Kontowecker monitoring. The bank serves youth customers through dedicated products including Kinderdepot, while Private Banking addresses affluent clients. Insurance offerings cover property, liability, health, vehicle, and pet coverage. The institution is part of the Sparkassen-Finanzgruppe and integrates with payment services (Apple Pay, Wero, PAYBACK) and identity verification providers (AUTHADA, IDNow).

Differentiator

Problem solved

Functional benefit

Brands

• DekaBank Depot: Investment depot platform offered in partnership with DekaBank, the securities services provider of the Sparkassen-Finanzgruppe
• App Sparkasse
• S-Invest App
• S-FairZins-Konto
• Sparkassenbrief
• Spartöpfe

Products and services

• S-Girokonto (Girokonto) Primary checking account providing everyday banking services including direct deposits, payments, and overdraft facilities. Multiple variants available: Giro Aktiv (online), Giro Komfort, Giro Zukunft, and Mitwachsendes Konto for different customer segments.
• S-FairZins-Konto (Tagesgeld) Daily deposit savings account with variable interest rates (0.30% standard, 0.40% for amounts above EUR 100,000). Features Spartöpfe virtual sub-accounts for organizing savings goals. Funds immediately accessible without notice period.
• Sparkassenbrief Fixed-term savings product with guaranteed interest rates up to 2.80% annually. Minimum investment EUR 2,500 with terms from 1 to 10 years. Interest rates vary by amount tier and duration.
• ETF-Sparplan Regular investment plan for Exchange Traded Funds enabling diversification across global indices. Minimum monthly investment EUR 25 with cost-average effect benefit.
• Fonds-Sparplan Savings plan investing in managed investment funds starting from EUR 25 monthly, offering risk diversification through professional fund management across equities, bonds, real estate, and mixed assets.
• Sparkassen-Card (Debitkarte) Standard debit card offering cashless payments worldwide at over 24 million acceptance points. Includes Card Control feature for managing spending limits and usage settings.
• Mastercard (Kreditkarte) Credit card portfolio including Standard, Gold, and Platinum tiers. Cards accepted globally with features varying by tier such as travel insurance and concierge services.
• S-Baufinanzierung Real estate financing product offering mortgages for property purchase, construction, or refinancing. Includes Forward-Darlehen for advance rate locking and modernization loans.
• S-Privatkredit Personal loan for individual financing needs. Part of broader credit offerings including S-Autokredit (auto loans), Kreditoptimierung (credit optimization), and Ratenkredit aus Kontoumsätzen.
• DekaBank Depot Securities custody account for purchasing Deka investment funds, international partner funds, and selected certificates. Priced at EUR 12.50/year with electronic mailbox. Includes fund finder and real-time trading capabilities.
• App Sparkasse Primary mobile banking app offering account management, transfers, multibanking, Wero payments, photo transfers, and card control. Supports iOS and Android with Dark Mode option. Includes pushTAN authentication.
• S-Invest App Mobile application for securities trading and portfolio management with multi-depot view, portfolio analysis by country/sector/currency, real-time market data, news feeds, and virtual portfolio simulation.
• Sparkassen-Altersvorsorge Retirement planning product family including RiesterRente, S-BasisRente, Betriebliche Altersvorsorge, GarantRente, Plan A, and Sparkassen-FondsRente Vario. Also includes Riesterrente home savings variant.
• LBS-Bausparen Building society savings product with state subsidies including Wohnungsbauprämie (housing premium) and Wohn-Riester (government-supported home savings). Part of VL-Sparen (capital-forming investments).
• Versicherungen (Insurance Distribution) Insurance product portfolio including property (Hausrat, Wohngebäude), liability (Privat-Haftpflicht), health (Krankenhaus-Zusatz, Zahnzusatz, Auslandsreise-Kranken), vehicle (Kfz, Moped/E-Scooter), accident, legal protection, and pet insurance.
• Private Banking Premium banking service for high-net-worth individuals. Includes holistic financial consulting and access to specialized investment products.
• Angebote für Junge Kunden (Youth Banking) Youth banking segment including Mitmach-Konto variants (Kinder und Schüler, Auszubildende, Studierende, Berufseinsteigende), Kinderdepot for child investments, Money Genius Island educational app, and Team Next youth program.
• S-Broker DepotPlus Self-directed securities trading platform. Trading from EUR 0.95 per transaction. Mobile app available for iOS and Android with real-time market access.

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature7 records

Partnerships

Five partnerships are on record, tiered core and flagship.

• PAYBACKcoreGTM or Marketing PartnerLoyalty program partnership offering PAYBACK points integration with Sparkassen-Card. Customers can link their debit card to earn points on transactions and participate in promotions like the PAYBACK soccer quiz.
• DekaBankcoreTechnology or IntegrationStrategic partnership with DekaBank as the central securities house of the Sparkassen-Finanzgruppe. Provides investment funds, depot services, certificates, and wealth management products through the bank's distribution network.
• S-BrokercoreTechnology or IntegrationPartnership providing S Broker DepotPlus for self-directed securities trading with competitive pricing starting from €0.95 per trade.
• Apple PaycoreTechnology or IntegrationMobile payment integration allowing customers to pay with Sparkassen-Card, credit card, or Sparkassen-Karte Basis via Apple devices using Face ID, Touch ID, or device passcode.
• Sparkassen-FinanzgruppeflagshipStrategic or Co-development PartnerUmbrella organization providing shared services, brand, deposit protection system, and product framework. One of Germany's largest banking groups providing comprehensive support and infrastructure.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• DKB (Deutsche Kreditbank): Major German direct bank with a strong retail deposit base, Girokonto, brokerage, and consumer lending—comparable product portfolio though operating nationally rather than as a regional franchise.
• ING Deutschland: Large direct bank in Germany offering giro accounts, consumer credit, securities, and mortgage products—comparable retail product suite but operating nationally with a digital-first model.
• Postbank (Deutsche Bank): Mass-market German retail bank offering giro accounts, savings, mortgages, and consumer lending—similar retail deposit-and-lending franchise now operating under Deutsche Bank ownership.
• TARGOBANK: German retail and corporate bank offering current accounts, consumer credit, brokerage, and insurance products—comparable full-service retail bank with branch and digital channels.

Others

• DekaBank: Central securities house of the Sparkassen-Finanzgruppe—partner rather than direct competitor, but the parent entity behind DekaBank Depot, investment funds, and certificates offered by Stadtsparkasse Bocholt.
• S Broker (Sparkassen Broker): Group-level online brokerage arm of the Sparkassen-Finanzgruppe that powers S-Broker DepotPlus for Stadtsparkasse Bocholt—an ecosystem partner with overlapping securities services.

Regional players

• Sparkasse Westmünsterland: Adjacent Sparkasse serving the Westmünsterland region with the same Sparkassen-Finanzgruppe products—overlapping geographic and product footprint with Stadtsparkasse Bocholt.

Direct peers

• Kreissparkasse Köln: Regional Sparkasse serving the Cologne area with the same public-law charter and Sparkassen-Finanzgruppe product framework—an immediate structural and operational peer.
• Stadtsparkasse München: Another German Stadtsparkasse offering the same Sparkassen-Finanzgruppe product suite (Girokonto, S-Baufinanzierung, DekaBank Depot, Versicherungen) to a regional retail/corporate base—directly comparable in business model, charter type, and product mix.
• Volksbank Bocholt-Borken eG: Local cooperative bank operating in the same Bocholt/Borken region, serving retail and corporate customers with deposits, lending, and investment products—directly comparable geographic competitor.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCYw4EWsui32mM6lLKhQvzfA
• Facebookfacebook.com/sskbocholt
• LinkedInlinkedin.com/company/stadtsparkasse-bocholt
• Instagraminstagram.com/stadtsparkassebocholt
• TikToktiktok.com/@stadtsparkasseboc

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Stadtsparkasse Bocholt