Kreissparkasse Markisch-oderland

What Kreissparkasse Markisch-oderland does

Sparkasse Märkisch-Oderland is a regional German savings bank (Kreissparkasse) organized as an Anstalt des öffentlichen Rechts and headquartered at Große Straße 2-3 in Strausberg, Brandenburg. It serves private customers (Privatkunden) and corporate/SME customers (Firmenkunden) throughout the Märkisch-Oderland district, offering a full-stack retail and business banking platform anchored on the S-Girokonto current account family, the Internet-Filiale online banking platform, the App Sparkasse mobile banking app, and the S-pushTAN-App for transaction authorization. The technology stack is built on the standardized German Sparkassen banking platform with chipTAN/pushTAN authentication, device recognition, electronic postbox, multibanking aggregation, Apple Pay/Wero/PayPal integration, and biometric login.

The product portfolio extends across five pillars — credit and financing (S-Baufinanzierung, Sparkassen-Autokredit, Sparkassen-Privatkredit, KfW-Förderkredite), savings and investment (DekaBank Depot, Deka-FondsSparplan, S-Broker DepotPlus, LBS-Bausparen, VL-Sparen, bevestor, SmartVermögen, S-Neo), insurance (Hausrat, Wohngebäude, Kfz, Berufsunfähigkeit, Rechtsschutz, etc.), real estate services (Immobilien-Portal, S-ImmoPreisfinder, Cockpit Immobilie), and digital self-service tools (Finanzplaner, Kontowecker, Card Control, 3-D Secure). Distribution is hybrid: 11 physical branches, the Internet-Filiale, App Sparkasse, phone banking, video legitimation (IDNow/AUTHADA), and personal financial advisors by appointment.

The bank's revenue model combines recurring streams (interest income from lending, monthly account and card fees on S-Girokonto variants) with transactional streams (commissions from DekaBank funds, S-Broker securities trades from €0.95/order, insurance commissions, LBS building society products, and real estate brokerage). Marketing runs through the Sparkassen-Finanzgruppe brand, local social channels (@sparkasse.mol on Facebook, @spkmol on Instagram), email newsletters, Google Ads/intelliAd/Adform campaign tracking, the Finanzakademie educational platform, and DekaBank's "Katers Welt" market column and podcast.

Name

Kreissparkasse Markisch-oderland

Legal name

Sparkasse Märkisch-Oderland Anstalt des Öffentlichen Rechts

Website

https://sparkasse-mol.de

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Sparkasse Märkisch-Oderland is a regional German savings bank (Anstalt des öffentlichen Rechts) headquartered in Strausberg, Brandenburg, serving retail and SME customers in the Märkisch-Oderland district with a full-stack Sparkassen-Finanzgruppe product platform spanning accounts, lending, investment, insurance, and real estate.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

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

SIC

Savings Institutions, Not Federally Chartered (6036), Functions Related To Depository Banking, Nec (6099), Investment Advice (6282)

akta.pro primary industry

Full-Service Retail Brokerage & Wealth Platforms (FSAAAAAA)

akta.pro secondary industries

Payables & Disbursements (ACH/SEPA, wires, checks, virtual cards) (FSABAIAB), Trust, Fiduciary & Estate Planning Services (FSABADAG)

Keywords

• Retail banking services
• Savings and investment products
• Mortgage and consumer lending
• Corporate banking services
• Regional savings bank

Headquarters

HQ city

Strausberg

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: Traditional banking revenue from interest spreads on loans, mortgages, and credit products including S-Baufinanzierung (construction financing), Sparkassen-Autokredit (auto loans), and Sparkassen-Privatkredit (personal loans).
2. Account and Card Fees: Monthly account fees for various S-Girokonto models (S-Privat online, S-Privat klassik, S-Privat inklusiv, S-Privat premium), credit card fees for Mastercard and Visa products, and Sparkassen-Card (debit card) fees.
3. Investment Products Commission: Commission revenue from DekaBank investment funds, Deka ETF products, certificates, and securities brokerage through S-Broker and DekaBank Depot.
4. Insurance Products: Commission income from insurance products offered including property, liability, health, and life insurance through Versicherungsmanager.
5. Building Society (LBS) Products: Revenue from LBS building savings contracts including LBS-Bausparen with state subsidies (Wohnungsbau-Prämie, Arbeitnehmer-Sparzulage, Wohn-Riester).
6. Real Estate Services: Commission from property brokerage, valuation services (S-ImmoPreisfinder), and real estate financing through LBS IMMOBILIEN GMBH.

Pricing tiers

Go-to-market motion2 records

Distribution channels7 records

Marketing channels9 records

Core offering

Sparkasse Märkisch-Oderland is a regional savings bank that provides retail and corporate banking services in the Märkisch-Oderland district of Brandenburg, Germany. Its core offering includes current accounts (S-Girokonto variants), payment cards (Sparkassen-Card, Mastercard and Visa credit cards), consumer and mortgage lending (S-Baufinanzierung, Sparkassen-Autokredit, Sparkassen-Privatkredit, KfW-Förderkredite), savings and investment products (LBS-Bausparen, DekaBank Depot, S-Broker DepotPlus, bevestor, SmartVermögen, S-Neo, Deka-FondsSparplan), retirement products (Riester-Rente, Rürup-Rente, betriebliche Altersversorgung), insurance products, and real estate services (Immobilien-Portal, S-ImmoPreisfinder, Cockpit Immobilie). Banking is delivered through 11 physical branches, the Internet-Filiale online banking platform, App Sparkasse mobile app, S-pushTAN-App, and phone banking.

Product overview

Sparkasse Märkisch-Oderland is a regional savings bank (Kreissparkasse) serving retail and corporate customers in the Märkisch-Oderland district of Brandenburg, Germany. The bank operates as part of the nationwide Sparkassen-Finanzgruppe, offering a comprehensive portfolio of banking products and services. The product offering is structured as a platform-plus-modules architecture, centered on core banking services (current accounts via S-Girokonto, Online-Banking platform, App Sparkasse mobile app, and S-pushTAN-App for transaction authorization) extended across five major product categories: (1) Credit & Financing including S-Baufinanzierung, Sparkassen-Autokredit, Sparkassen-Privatkredit, and KfW-Förderkredite; (2) Savings & Investment encompassing LBS-Bausparen, VL-Sparen, DekaBank Depot with Deka-FondsSparplan, SmartVermögen, S-Neo, S-Broker DepotPlus, bevestor robo-advisory, and Sparkassen-Altersvorsorge with multiple pension products (Riester-Rente, Rürup-Rente, betriebliche Altersversorgung, private Rentenversicherung); (3) Insurance products including S-VorsorgePRIVAT, Hausratversicherung, Kfz-Versicherung, Rechtsschutzversicherung, Privathaftpflichtversicherung, Berufsunfähigkeitsversicherung, Unfallversicherung, and Gesundheitsversicherungen; (4) Real Estate services via the Immobilien-Portal, S-ImmoPreisfinder, and Cockpit Immobilie; and (5) Digital tools including Finanzplaner, Kontowecker, Elektronisches Postfach, Geräteerkennung, Card Control, and 3-D Secure. The bank distributes services through physical branches, the Internet-Filiale (online banking), App Sparkasse mobile banking, and S-Firm/StarMoney software integration. The institution holds BLZ 17054040 and BIC WELADED1MOL, with headquarters at Große Straße 2-3, 15344 Strausberg.

Differentiator

Problem solved

Functional benefit

Products and services

• S-Girokonto

Quantifiable outcome

• Up to €480/year employer contribution for VL-Sparen (Vermögenswirksame Leistungen)
• +3 more outcomes

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration17 records

Feature5 records

Partnerships

Two partnerships are on record, tiered core.

• LBS IMMOBILIEN GMBHcoreStrategic or Co-development PartnerLBS is the Sparkassen building society partner operating as a subsidiary of the Sparkassen-Finanzgruppe. Sparkasse Märkisch-Oderland offers LBS building savings products (LBS-Bausparen) including state-subsidized savings (Wohnungsbau-Prämie, Arbeitnehmer-Sparzulage, Wohn-Riester). The partnership provides real estate brokerage services through LBS IMMOBILIEN GMBH for property sales and marketing.
• DekaBank (Wertpapierhaus der Sparkassen)coreStrategic or Co-development PartnerDekaBank is the securities house of the Sparkassen-Finanzgruppe. Sparkasse Märkisch-Oderland offers Deka investment funds, ETFs, certificates, and manages DekaBank Depot accounts. Partnership includes Deka ESG/sustainable investment products, Deka-FondsSparplan, and access to Deka research and market analysis (Katers Welt column).

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Regional players

• Berliner Volksbank: Berlin-Brandenburg cooperative bank (Volksbanken-und-Raiffeisenbanken group). Comparable retail and SME banking services in the same macro region, but organized under the cooperative model rather than the public-law Sparkasse model.
• Berliner Sparkasse: Larger Sparkasse serving Berlin, immediately adjacent to the Märkisch-Oderland district. Same brand and product platform, but with significantly larger balance sheet and urban-customer mix, making it a useful scale-comparable benchmark.

Direct peers

• Mittelbrandenburgische Sparkasse in Potsdam: Another large Kreissparkasse operating in the Brandenburg region adjacent to Märkisch-Oderland. Same Sparkassen-Finanzgruppe network, same product platform, same public-law institution model — directly comparable in scale, customer segments and revenue mix.
• Sparkasse Oder-Spree: Adjacent Brandenburg Kreissparkasse serving the Oder-Spree district. Same institution type, same regulatory regime under the Sparkassen-Finanzgruppe, and overlapping customer-base economics in a comparable rural Brandenburg environment.
• Sparkasse Barnim: Direct geographic neighbor Kreissparkasse also serving a Brandenburg district. Identical operating model, branch-based distribution, and product suite, making it the closest like-for-like benchmark for asset size, revenue and customer metrics.

Broad incumbents

• Deutsche Bank: Germany's largest universal bank with retail, wealth, corporate and investment banking. Sets the broad-market benchmark for digital capability, product range and customer experience against which Sparkasse retail/wealth offerings are measured.
• HypoVereinsbank (UniCredit): Germany-based universal bank within the UniCredit group offering full-service retail, private banking and SME services. Overlaps with the Sparkasse in retail and SME segments and is a relevant peer for product breadth and digital capability benchmarking.
• Commerzbank: Major German universal bank offering retail, SME, and corporate banking plus wealth and insurance. Competes with the Sparkasse on retail accounts, mortgages and SME financing across the broader German market, providing a useful incumbent benchmark.

Emerging players

• DKB (Deutsche Kreditbank): Berlin-based digital-first direct bank owned by BayernLB. Competes directly for retail deposit and mortgage customers via online channels and is a relevant benchmark for the digital transformation trajectory and competitive threat facing Sparkasse Märkisch-Oderland.
• ING-DiBa Germany: Germany's largest direct bank with a strong retail deposit and consumer lending franchise. Represents the primary digital-bank competitive threat in retail current accounts and consumer credit, relevant as a peer for product/pricing benchmarks.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/sparkasse.mol
• Instagraminstagram.com/spkmol

Compliance2 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 Kreissparkasse Markisch-oderland