Kreissparkasse Heidenheim

What Kreissparkasse Heidenheim does

Kreissparkasse Heidenheim is a regional German public savings bank (Kreissparkasse) organized as a public law institution (Anstalt des öffentlichen Rechts) under German law and headquartered in Heidenheim an der Brenz, Baden-Württemberg. Founded in 1855 and owned by the Landkreis Heidenheim, the bank is a member of the Sparkassen-Finanzgruppe, Germany's largest banking network, and is supervised by the European Central Bank and BaFin. It serves private customers, young customers (0-27), small and medium-sized businesses, and high-net-worth individuals in the Heidenheim district through a multi-channel model combining physical branches, online banking, and the App Sparkasse mobile platform.

The bank's product platform spans giro accounts (GiroOnline, GiroClassic, GiroComfort, Konto mit Zukunft, GiroCampus), lending (S-Privatkredit, S-Autokredit, S-Baufinanzierung with KfW support, S-Klimakredit), savings instruments (Sparbrief, Geldmarktkonto), and investments distributed through DekaBank (DekaBank Depot, SmartVermögen, S-Neo, S-Broker). Insurance is offered in partnership with SV SparkassenVersicherung across property, liability, accident, vehicle, and nursing-care lines, with the S-Versicherungsmanager providing digital policy aggregation. The digital stack is built on Online-Banking, the App Sparkasse, the S-pushTAN-App for transaction signing, chipTAN card-reader authentication, and the recently launched Geräteerkennung device-recognition layer, with payments spanning Wero instant transfers, Apple Pay, and Multibanking aggregation of external accounts including PayPal.

Revenue is generated through traditional savings-bank interest margin on lending and deposits, account and card transaction fees, insurance commissions from SV SparkassenVersicherung, and investment-product distribution commissions from DekaBank. Customer acquisition uses a mix of branch-based advisory, local sponsorship and donations, email newsletters, social media, and digital content, while distribution relies on direct branch sales for advisory and self-serve channels for digital banking. The bank is led by Chairman Dieter Steck and Deputy Chairman Thomas Schöpplein.

Name

Kreissparkasse Heidenheim

Legal name

Kreissparkasse Heidenheim

Website

https://ksk-heidenheim.de

Company type

Private

Founded year

1855

Operating status

Operating

Short description

Kreissparkasse Heidenheim is a public savings bank headquartered in Heidenheim an der Brenz, Germany, serving retail, young, SMB, and private-banking customers across the Heidenheim district with full-service banking, lending, insurance, investment, and digital banking products as part of the Sparkassen-Finanzgruppe.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Savings Institutions and Other Depository Credit Intermediation (52218), Portfolio Management and Investment Advice (523940)

SIC

Savings Institutions, Not Federally Chartered (6036)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industries

Onshore Private Banking (Domestic HNW/UHNW) (FSAAABAA), Private Client/High-Net-Worth Advisory (FSAEAAAN)

Keywords

• Retail banking services
• Consumer lending
• Mortgage financing
• Wealth management
• Savings accounts

Headquarters

HQ city

Heidenheim An Der Brenz

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Traditional savings bank interest margin from lending and deposit activities
2. Account Services and Transaction Fees: Fees from giro accounts, credit cards, and payment transactions
3. Insurance Commission: Commission revenue from insurance product distribution through SV SparkassenVersicherung partnership
4. Investment Products Distribution: Commission and fees from DekaBank investment funds, securities trading, and wealth management products

Pricing tiers

Distribution channels5 records

Marketing channels7 records

Core offering

Kreissparkasse Heidenheim is a regional public savings bank offering a comprehensive suite of retail and commercial banking services to private customers and small/medium businesses in the Heidenheim district. Its core offerings span checking accounts (Girokonto in multiple tiers), personal and auto loans, mortgage financing, savings and investment products, securities custody, credit and debit cards, insurance distribution, retirement planning, wealth management, real estate brokerage, and Private Banking services, delivered through physical branches, online banking, and the App Sparkasse mobile application.

Product overview

Kreissparkasse Heidenheim operates as a regional public savings bank (Anstalt des öffentlichen Rechts) offering a comprehensive financial services portfolio organized as a platform-plus-modules architecture. Core banking products span checking accounts (Girokonto with multiple tiers: GiroOnline, GiroClassic, GiroComfort, Konto mit Zukunft, GiroCampus), credit products (S-Privatkredit, S-Autokredit, S-Baufinanzierung with KfW support), savings instruments (Sparbrief, Sparkassenkapitalbrief, Tagesgeld), and investment services (S-Depot, DekaBank-Depot, SmartVermögen, S-Neo). Insurance offerings are distributed through SV SparkassenVersicherung covering liability, household, legal protection, occupational disability, accident (with age-specific variants: Kids, Active, Best Ager), travel, and nursing care, managed via the S-Versicherungsmanager digital tool. Card products include Sparkassen-Card (debit) and multiple Mastercard/Visa credit card tiers. Digital banking infrastructure centers on Online-Banking and the App Sparkasse mobile app, secured via S-pushTAN-App, chipTAN, and Geräteerkennung (device recognition). Payment capabilities include Wero instant transfers, Apple Pay, Multibanking (aggregating PayPal and other banks), and PAYBACK loyalty integration. Additional services include real estate brokerage, retirement planning (BasisRente, Betriebliche Altersvorsorge), LBS-Bausparen, precious metals (SOLIT Edelmetalldepot), and video/chat-based advisory (Video-Beraterchat, Chatbot Linda).

Differentiator

Problem solved

Functional benefit

Brands

• S-Versicherungsmanager: Digital insurance management platform allowing customers to overview, optimize, and compare their insurance policies.
• SV Kfz-Flatrate
• SV SparkassenVersicherung
• DekaBank Depot
• SmartVermögen
• S-neo
• S-Broker
• App Sparkasse
• S-pushTAN-App
• Schutzbrief SorglosWohnen
• Wero

Products and services

• Girokonto (GiroOnline, GiroClassic, GiroComfort, Konto mit Zukunft)

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

AI capability3 records

Feature7 records

Partnerships

Two partnerships are on record, tiered core.

• DekaBankcoreTechnology or IntegrationDekaBank serves as the investment fund partner for Kreissparkasse Heidenheim, providing access to Deka Investment funds, certificates, ETFs, and wealth management products including Deka-Vermögensverwaltung Premium and Deka-JuniorPlan. Customers can access their DekaBank Depot through the Sparkasse's Online-Banking platform.
• SV SparkassenVersicherungcoreTechnology or IntegrationSV SparkassenVersicherung is the insurance partner providing comprehensive insurance products including home insurance, accident insurance, vehicle insurance, and liability coverage. The S-Versicherungsmanager digital tool is powered by comparison software from an independent rating agency, and insurance products are available through the Sparkasse's branch network.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Direct peers

• Volksbank Heidenheim: Local cooperative bank (Volksbank) operating in the same Heidenheim market, competing directly for retail and SME customers with a parallel product offering and member-owned structure.
• Sparkasse Schwäbisch Hall-Crailsheim: Neighboring Kreissparkasse serving the adjacent Schwäbisch Hall district in Baden-Württemberg with the same Sparkassen product suite, branch model, and partnership structure — directly comparable in scale, product mix, and customer segments.
• Kreissparkasse Ostalb: Adjacent district savings bank serving the Ostalbkreis in Baden-Württemberg, operating under identical Sparkassen-Finanzgruppe framework with similar retail/commercial banking focus and product portfolio.

Broad incumbents

• Volksbank Raiffeisenbank (cooperative banks generally): The cooperative banking sector (Volksbanken/VR-Banken) competes with the Sparkassen as the second pillar of Germany's public-mandate retail banking system, sharing similar local-rooted, multi-channel, full-service models.
• DKB (Deutsche Kreditbank): Direct bank and second-largest German retail bank by customer count, offering free checking, brokerage, and consumer lending — directly competing on price and digital experience against Sparkassen retail products.
• Sparkasse Nürnberg: Large Bavarian Sparkasse serving a major metropolitan area with a much larger balance sheet but the same Sparkassen product suite, partnership structure, and regulatory framework.
• Sparkasse KölnBonn: One of Germany's largest Sparkassen by total assets, operating in the Cologne-Bonn region with a broader product and wealth management offering but the same institutional structure and group partnerships.
• ING Deutschland: Major German direct bank offering low-cost checking, savings, and brokerage products online — competing with Kreissparkasse for digitally inclined retail customers, particularly younger demographics.
• BW-Bank (Landesbank Baden-Württemberg retail brand): State-owned Landesbank of Baden-Württemberg operating under the Sparkassen-Finanzgruppe, providing wholesale and retail banking services in the same geography with overlapping institutional structure and group partnerships.

Emerging players

• N26: Berlin-based German neobank targeting young, mobile-first retail customers with free checking and international transfers — a key disruptive competitor for younger customer segments that Kreissparkasse targets via GiroCampus.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/kreissparkasse-heidenheim

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 Heidenheim