Sparkasse Landsberg-diessen

What Sparkasse Landsberg-diessen does

Sparkasse Landsberg-Dießen is a German public savings bank (Anstalt des öffentlichen Rechts) operating within the Sparkassen-Finanzgruppe network and headquartered at Hauptplatz 1-7 in Landsberg am Lech, Bavaria. Founded in 1834, the bank serves retail customers, young customers, and small-to-medium business customers in the Landsberg am Lech and Dießen am Ammersee region through an omni-channel model combining a regional physical branch network with comprehensive digital banking — web-based Online-Banking, the Sparkassen-App for iOS and Android, Video Advisor, S-Chat text advisor, and the AI-powered chatbot Linda. Core product offerings span tiered checking accounts (GiroSmart, GiroKlassik, GiroPremium, GiroStart), Mastercard and Visa credit cards, Sparkassen-Card debit cards, the Sparkassen-Klimakredit sustainable loan, S-Baufinanzierung mortgages, and government-subsidized KfW-Förderkredite; investment and savings are sourced primarily through DekaBank (Fonds-Sparplan, ETFs, Zertifikate, SmartVermögen digital wealth management), LBS-Bausparen, and VL-Sparen employer capital-formation programs.

The technology stack integrates third-party services for security, performance, and analytics: S-pushTAN-App and chipTAN-QR for transaction authentication, Geräteerkennung device recognition with cookie-based DeviceID, Friendly Captcha for bot protection, Dynatrace for application performance monitoring, YellowMap SmartMaps for branch/ATM locator, Google Analytics for web analytics, Google Ads for paid acquisition, and Google AI intent recognition powering the Linda chatbot. The bank also offers the Cockpit Immobilie real estate digital dashboard and S-ImmoPreisfinder valuation tool, with PAYBACK loyalty, Apple Pay, and Wero European payment integration layered on top of the core account product. Data-processing arrangements reference EU-US Data Privacy Framework compliance through the Google Ireland partnership.

The revenue model blends traditional net interest income (loan and mortgage book) with recurring subscription fees on Girokonto tiers and DekaBank Depot services (€12.50/year electronic mailbox, €19.50/year postal delivery), transaction-based commissions from DekaBank investment distribution and LBS Bausparen, and fees from bundled insurance packages (S-Privat-Schutz, S-Immobilienschutz, S-Gesundheitsschutz) and full-service real estate brokerage. Distribution relies on local relationship banking through branches, supplemented by digital self-service channels and inside sales via phone, video, and chat. Leadership consists of Sven Fischer (Vorsitzende des Vorstandes) and Roland Böck (Mitglied des Vorstandes).

Name

Sparkasse Landsberg-diessen

Legal name

Sparkasse Landsberg-Dießen

Website

https://sparkasse-landsberg.de

Company type

Private

Founded year

1834

Operating status

Operating

Headcount range

11–50 employees

Short description

Sparkasse Landsberg-Dießen is a German public savings bank (Anstalt des öffentlichen Rechts) serving retail, young, and business customers in the Landsberg am Lech and Dießen am Ammersee region of Bavaria through branches, online banking, and the Sparkassen-App, offering checking, loans, DekaBank investments, LBS Bausparen, insurance, and real estate services.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Depository Credit Intermediation (5221), Portfolio Management and Investment Advice (523940)

SIC

Savings Institutions, Not Federally Chartered (6036)

akta.pro primary industry

Full-Service Retail Brokerage & Wealth Platforms (FSAAAAAA)

akta.pro secondary industry

Tax-Advantaged Investing & Wrappers (ISA, 529, Insurance Bonds, etc.) (FSAAAAAL)

Keywords

• Retail banking services
• Savings accounts
• Mortgage lending
• Investment products
• Insurance products

Headquarters

HQ city

Landsberg

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Traditional banking revenue from interest margins on loans, mortgages, and credit facilities extended to retail and business customers.
2. Account and Card Fees: Monthly account maintenance fees, debit/credit card fees, and transaction charges for various account models (GiroSmart, GiroKlassik, GiroPremium, GiroStart).
3. Investment Products Distribution: Commission revenue from distributing Deka investment funds, DekaBank depot services, insurance products, and other financial products through the Sparkasse network.
4. Real Estate Services: Revenue from property financing, LBS building society products, and real estate brokerage services.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels7 records

Core offering

Sparkasse Landsberg-Dießen is a regional German public savings bank that provides retail and small business banking services, including tiered checking accounts (GiroSmart, GiroKlassik, GiroPremium, GiroStart), debit and credit cards, consumer and mortgage loans, savings and investment products distributed via DekaBank and LBS, bundled insurance packages, retirement planning products, and full real estate brokerage services. Customers access these through a multi-channel platform combining physical branches, a web-based Internet-Filiale, the Sparkassen-App mobile application, phone-based customer service, and video/text chat advisory channels.

Product overview

Sparkasse Landsberg-Dießen operates as a full-service public savings bank (Anstalt des öffentlichen Rechts) offering comprehensive financial products across banking, investment, insurance, and real estate. The core banking platform centers on tiered Girokonto products (GiroSmart, GiroKlassik, GiroPremium, GiroStart) with integrated Online-Banking accessible via web, mobile app, and desktop software. The product ecosystem extends through strategic partnerships: DekaBank provides investment and securities services (DekaBank Depot, Deka ETFs, Fonds-Sparplan, SmartVermögen), LBS offers state-subsidized building savings (LBS-Bausparen, VL-Sparen), and the insurance portfolio includes bundled S-Privat-Schutz packages alongside specialized health, property, and liability coverage. Digital innovation features include the Sparkassen-App with Apple Pay integration, S-pushTAN/chipTAN security, device recognition for trusted login, and the AI-powered chatbot Linda for customer service. Real estate services are anchored by the Cockpit Immobilie digital dashboard and S-ImmoPreisfinder valuation tool, while youth products like Kinderdepot and JuniorRente target next-generation customers. The PAYBACK loyalty program and Wero payment system provide additional customer engagement touchpoints.

Differentiator

Problem solved

Functional benefit

Brands

• Sparkassen-App: Mobile banking application offered by Sparkasse Landsberg-Dießen for online banking services
• DekaBank Depot
• VL-Sparen

Products and services

• Girokonto (GiroSmart, GiroKlassik, GiroPremium, GiroStart)

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

AI capability2 records

Feature6 records

Partnerships

Three partnerships are on record, tiered core and minor.

• DekaBank / Deka InvestmentscoreTechnology or IntegrationDekaBank is the central securities services provider and investment house of the Sparkassen-Finanzgruppe. Sparkasse Landsberg-Dießen offers Deka investment funds, ETFs, certificates, and manages DekaBank depot services for customers. The partnership provides access to comprehensive investment products and wealth management solutions.
• LBS (Landesbausparkasse)coreTechnology or IntegrationLBS building society partner providing LBS-Bausparen products with state subsidies, including Wohnungsbau-Prämie and Arbeitnehmer-Sparzulage. Offers home savings contracts, real estate financing, and government-supported savings programs.
• PAYBACKminorGTM or Marketing PartnerLoyalty program partnership allowing customers to earn PAYBACK points on selected transactions and services. Offers joint promotions and campaigns with PAYBACK partners.

Scale indicators1 record

Recent moves1 record

Expansion highlights5 records

Broad incumbents

• Deutsche Bank AG: Germany's largest universal bank offering retail, business, and wealth management services. Overlaps with Sparkasse Landsberg-Dießen in retail deposits, mortgages, and investment distribution but serves a nationwide footprint and is part of a globally diversified institution.
• HypoVereinsbank (UniCredit Bank GmbH): Major commercial bank with strong Bavarian regional presence through dense branch network and full retail/SMB product suite. Competes directly with Sparkasse Landsberg-Dießen for retail and business customers in Bavaria but at much larger scale and with broader geographic reach.
• Commerzbank AG: Major German universal bank with significant retail and SME banking operations. Competes in the same retail deposit, mortgage, and investment product categories as the Sparkasse but at national scale.

Emerging players

• N26 GmbH: Berlin-headquartered neobank offering digital retail banking including checking, savings, and cards. Competes for the same retail customers in Germany with a mobile-first experience and no branch overhead; represents the digital disruption vector against traditional Sparkassen.
• ING-DiBa AG: German direct bank with strong retail franchise in checking, savings, brokerage, and consumer credit. Operates as a branchless digital competitor to Sparkassen for retail customers seeking lower-cost or higher-yield alternatives.

Direct peers

• Kreissparkasse München Starnberg Ebersberg: Another Bavarian Sparkasse serving the greater Munich/Starnberg/Ebersberg region. Directly comparable as a public-law savings institution with the same Sparkassen-Finanzgruppe product suite, omni-channel model, and retail/SMB focus in an adjacent Bavarian geography.
• Volksbank Raiffeisenbank Bayern Mitte: Cooperative bank (Genossenschaftsbank) operating in Bavaria with comparable retail and SME focus, member-owned structure, and full-service financial offerings. Represents the closest non-Sparkasse competitive peer in the German regional banking landscape.
• Sparkasse Nürnberg – Eichstätt – Fürth: Mid-sized Bavarian Sparkasse with the same legal structure (Anstalt des öffentlichen Rechts), full retail/business product set, and group-wide Deka/LBS partnerships. Provides a useful benchmark for a similarly sized regional Sparkasse.

Regional players

• BayernLB (Bayerische Landesbank): Bavaria's state-owned Landesbank, primarily focused on corporate and real estate financing but also relevant to the regional banking landscape. Comparable as another public-sector Bavarian financial institution operating under state-level oversight.

Others

• DekaBank Deutsche Girozentrale: Central investment house of the Sparkassen-Finanzgruppe and core product partner of Sparkasse Landsberg-Dießen. Provides investment funds, ETFs, and depot services distributed through the bank; highly relevant as an upstream ecosystem participant.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@SparkasseLandsberg-Diessen
• Facebookfacebook.com/sparkasselandsberg
• Instagraminstagram.com/sparkasse_landsberg

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 Landsberg-diessen