Sparkasse Hildesheim Goslar Peine

Name

Sparkasse Hildesheim Goslar Peine

Legal name

Sparkasse Hildesheim Goslar Peine

Website

https://sparkasse-hgp.de

Company type

Private

Founded year

1833

Operating status

Operating

Headcount range

251–500 employees

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL)

akta.pro secondary industries

Retirement Benefits & Social Security/Medicare Planning (FSAEABAI), Employee Benefit & Retirement Plan Trust Services (FSAAANAC)

Keywords

• Retail banking services
• Savings accounts
• Consumer lending
• Wealth management
• Insurance products

Headquarters

HQ city

Hildesheim

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: Primary revenue stream from lending activities including mortgages, personal loans, and business financing, generating interest margin on deposited and loaned funds.
2. Commission and Fee Income: Account maintenance fees, transaction fees, card fees, securities trading commissions, and insurance product distribution commissions.
3. Securities and Investment Services: Revenue from Deka investment fund distribution, securities trading, wealth management, and brokerage services.
4. Insurance Distribution: Commission income from distributing VGH insurance products including property, liability, accident, vehicle, and legal protection insurance.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

Sparkasse Hildesheim Goslar Peine is a public-law savings bank offering retail and corporate banking products, including current accounts, savings, consumer and mortgage lending, securities and wealth management services, and insurance distribution through partner VGH. It operates a multi-channel delivery model spanning regional branches, online banking, and the App Sparkasse mobile platform for individual consumers and businesses in the Hildesheim, Goslar, and Peine regions of Lower Saxony, Germany.

Product overview

Sparkasse Hildesheim Goslar Peine operates as a public-law financial institution (Anstalt des öffentlichen Rechts) offering a comprehensive, multi-brand banking platform organized across multiple product categories. The core consumer banking suite is anchored by three Mehr.Giro account tiers (Mehr.Giro Flex for online-focused banking, Mehr.Giro Komplett as a full-service comfort account, and Mehr.Giro Pur as a basic account), each bundled with a Sparkassen-Card debit card. Digital banking is delivered via the App Sparkasse (mobile) and browser-based Online-Banking, both secured by pushTAN (S-pushTAN-App) or chipTAN authentication, with optional device recognition (Geräteerkennung) for trusted devices. Payment innovation includes Wero (real-time SEPA transfers in under 10 seconds), Apple Pay, Multibanking aggregation, Card Control, and the Kontowecker alert system. Credit products span Visa credit cards (Gold, Standard, Basis), S-Privatkredit, S-Autokredit, S-Baufinanzierung, modernization loans, and KfW subsidized loans. Savings and investment products include Tagesgeld, Sparkassenbrief, Duo-Invest, LBS-Bausparen (with state subsidies), the S Broker DepotPlus for securities, the S-Investor platform for market trading, S-Invest App for mobile investment monitoring, SmartVermögen (digital wealth management), Vermögensverwaltung Premium, DekaBank Depot (investment funds and certificates), and bevstor (algorithmic advisory). Retirement and insurance products are offered through VGH (Landschaftliche Brandkasse Hannover) partnerships, including Frühstart-Rente, VGH PrivatRente, VGH FirmenRente, VGH CyberSchutz, VGH Hausratversicherung, VGH Kfz-Versicherung, and S-Privat-Schutz. Supporting services include the Finanzplaner digital household budget tool, Elektronisches Postfach for document management, and the SCHUFA-BonitätsCheck for credit verification.

Differentiator

Problem solved

Functional benefit

Brands

• App Sparkasse: Mobile banking application for retail customers to manage accounts, transfer money, and access banking services on smartphones and tablets
• S-pushTAN-App
• App Sparkasse Business
• S-Invest App
• Mehr.Giro Flex
• Mehr.Giro Komplett
• Mehr.Giro Pur
• S-Privatkredit
• S-Autokredit
• S-Baufinanzierung
• Finanzplaner
• Kontowecker
• Wero
• Card Control
• Multibanking
• Elektronisches Postfach
• pushTAN
• chipTAN

Products and services

• Mehr.Giro Flex An online-focused current account (Girokonto) with competitive terms for digital banking, offering full account management via online and mobile channels for retail customers preferring self-service.
• Mehr.Giro Komplett A full-service current account offering a comprehensive bundle of banking services and features, positioned as a comfort tier above the basic online account, including personal advisory support.
• Mehr.Giro Pur A basic, stripped-down current account model offering essential banking functions at minimal cost for retail customers with occasional banking needs.
• Sparkassen-Card (Debitkarte) The standard debit card issued to account holders, usable for payments, withdrawals, and card-based authentication for chipTAN. Supports Apple Pay integration and Card Control features.
• Visa Gold (Kreditkarte) Premium credit card offering elevated spending limits, travel insurance, and gold-level cardholder benefits for retail customers.
• Visa Standard (Kreditkarte) Standard credit card providing basic card payment functionality with worldwide acceptance for retail customers.
• Visa Basis (Debitkarte) Entry-level debit card providing core card functionality as an alternative to the standard Sparkassen-Card for retail customers.
• S-Privatkredit Unsecured personal loan for general-purpose financing needs, offered at fixed interest rates with flexible repayment terms for retail customers.
• S-Autokredit Specialized vehicle financing loan designed for purchasing new or used automobiles, with terms tied to the vehicle.
• S-Baufinanzierung Comprehensive mortgage and real estate financing product for purchasing or constructing residential property.
• Modernisierungskredit Loan product for financing home modernization and renovation projects, including an energetically focused variant for energy-efficient upgrades.
• KfW-Förderkredite Government-subsidized loan programs (KfW Bank) for energy-efficient construction, renovation, and education, distributed through the Sparkasse.
• Tagesgeld Daily-access savings account with variable interest rates, allowing unlimited deposits and withdrawals with full deposit protection.
• Sparkassenbrief Fixed-term savings product (similar to a savings bond) with guaranteed interest rates for a defined maturity period.
• Duo-Invest Combined savings and investment product offering a mix of guaranteed savings bonds and investment fund exposure.
• LBS-Bausparen Building society savings product (Bausparvertrag) with state subsidies (Wohnungsbau-Prämie, VL-Sparen, Wohn-Riester) for homeownership financing.
• S Broker DepotPlus Securities trading account provided through S Broker, enabling purchase and management of stocks, bonds, funds, certificates, and other investment products.
• S-Investor Browser-based securities trading and market information platform (s-investor.de) covering stocks, bonds, funds, derivatives, forex, commodities, and real-time news. Supports optional 2-factor authentication via Google or Microsoft Authenticator apps.
• SmartVermögen Digitally managed wealth management service combining automated portfolio management with digital advisory support.
• Vermögensverwaltung Premium Sparkasse HGP Premium discretionary portfolio management service with personalized investment strategies and dedicated advisory.
• DekaBank Depot Investment fund depot offered in partnership with DekaBank, providing access to equity, bond, mixed, real estate funds, and Deka certificates. Accessible via the Elektronisches Postfach.
• bevestor Digital investment advisory service offering automated, algorithm-driven portfolio recommendations and management.
• Frühstart-Rente Early-start pension product designed for younger customers to begin retirement savings with favorable entry conditions.
• VGH PrivatRente Private pension insurance product offered in partnership with VGH (Landschaftliche Brandkasse Hannover) for retirement planning.
• VGH FirmenRente Company pension scheme (betriebliche Altersversorgung) product for employer-sponsored retirement benefits, offered through VGH.
• VGH CyberSchutz Cyber insurance product covering financial losses from cybercrime, identity theft, and online fraud, distributed through VGH.
• VGH Hausratversicherung Home contents insurance covering damage to household belongings from fire, water, theft, and other risks, offered through VGH.
• VGH Kfz-Versicherung Motor vehicle insurance covering liability, comprehensive, and partial coverage for cars, distributed via VGH.
• S-Privat-Schutz Comprehensive personal protection insurance package bundling multiple coverage types (liability, legal, accident) at a reduced combined premium.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration13 records

AI capability2 records

Feature4 records

Partnerships

Four partnerships are on record, tiered core and minor.

• DekaBankcoreTechnology or IntegrationStrategic investment fund partnership providing customers access to Deka investment funds, DekaBank depot services, and comprehensive securities offerings including equity, bond, mixed, and real estate funds.
• VGH VersicherungcoreChannel Partner/ Reseller/ DistributorInsurance product partnership offering VGH-branded insurance products including private liability, accident, household, building, vehicle, legal protection, life, and travel insurance through Sparkasse distribution.
• LBS (Landesbausparkasse)coreChannel Partner/ Reseller/ DistributorBuilding society savings partnership providing government-subsidized home savings products (Wohnungsbauprämie, Wohn-Riester) and construction financing solutions.
• Landschaftliche Brandkasse HannoverminorChannel Partner/ Reseller/ DistributorRegional property insurance provider whose insurance products are distributed exclusively through Sparkasse Hildesheim Goslar Peine.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Sparkasse Hannover: Neighboring Lower Saxony Sparkasse with similar product breadth (accounts, lending, insurance distribution via VGH/HVV, Deka funds, LBS) and the same Sparkassen-Finanzgruppe membership. Directly comparable in operating model, regulatory status, and customer segments; the most useful size and benchmark comparison for Sparkasse HGP.
• Sparkasse Göttingen: Southern Lower Saxony Sparkasse serving a university-influenced regional economy with the same product mix and partnership model. Provides a comparable benchmark for retail and corporate banking economics in non-metropolitan German markets.
• Kreissparkasse Köln: Larger-scale Sparkasse operating as a public-law institution with full retail and corporate product suite, VGH-equivalent insurance distribution, and Deka/LBS partnerships. Useful for benchmarking scaled best-practice across the Sparkassen network.
• Sparkasse Braunschweig Wolfsburg: Regional Sparkasse in the same Lower Saxony geography, offering the standard Sparkassen product set across retail and corporate banking, with VGH-affiliated insurance distribution and Deka investment products. Comparable customer base composition and same regulatory framework.
• Volksbank Hildesheim-Lehrte-Pattensen eG: Regional cooperative bank (Volksbank) directly overlapping with Sparkasse HGP's service area. Competes head-to-head for retail and SME customers with similar product breadth, providing a useful counter-benchmark for the German public-law savings bank model versus the cooperative alternative.

Broad incumbents

• ING-DiBa AG: Germany's largest direct bank with a national retail deposits and mortgage franchise. Competes with Sparkasse HGP on price and digital convenience for the same retail customer base, but operates without physical branches and with a different funding profile.
• Postbank / Deutsche Bank Filialvertrieb: Postbank operates a German branch-based retail and SME franchise under Deutsche Bank ownership, directly competing with Sparkassen on multi-channel banking, deposits, mortgages, and brokerage. A relevant broader-market incumbent with a different ownership and capital structure.
• Deutsche Kreditbank (DKB): Major German online/direct bank with retail and corporate banking products. A scale competitor in the digital banking space, pressuring Sparkasse HGP on customer acquisition for digitally active retail and SME segments.
• Commerzbank AG: German universal bank serving retail, SME, and corporate segments with comparable loan and deposit products. Most directly relevant as a benchmark for corporate banking economics in the same German market, though serving larger SMEs and corporates than Sparkasse HGP typically does.

Others

• VGH Versicherungen: Regional insurance company (Landschaftliche Brandkasse Hannover) and core channel partner distributing property, liability, vehicle, life, and cyber insurance through Sparkasse HGP. Comparable as an adjacent ecosystem participant with shared customers and joint distribution economics.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/sparkassehgp
• LinkedInlinkedin.com/company/sparkasse-hildesheim-goslar-peine
• Instagraminstagram.com/sparkasse.hgp

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 Sparkasse Hildesheim Goslar Peine