What SPARKASSE DACHAU does

Sparkasse Dachau is a German regional savings bank (Sparkasse) established in 1881 and organized as a public law institution (Anstalt des öffentlichen Rechts), headquartered at Sparkassenplatz 1, 85221 Dachau, Bavaria. It operates as a member of the Sparkassen-Finanzgruppe and is supervised by the European Central Bank and BaFin. The bank serves retail and business customers in the Dachau district through 15+ physical branches, an online-banking portal, the App Sparkasse, video consultation, and an AI-assisted chatbot named Linda, with a service-center telephone channel operating Monday to Friday. Leadership comprises Vorsitzende(r) des Vorstandes Hermann Krenn and Mitglied des Vorstandes Thomas Schmid.

The product portfolio spans a tiered core checking-account platform (Giro Privat, Giro Klassik, Giro Komfort, Giro Premium, plus Giro young finance and Mitwachsendes Konto for younger customers), debit and credit cards (Sparkassen-Card, Mastercard Standard/Gold/Platinum/X-TENSION, Visa Standard/Basis), lending products (S-Dispositionskredit at 9.396% p.a., S-Privatkredit, S-Baufinanzierung, S-Autokredit, KfW-Förderkredite, KfW-Studienkredit), savings and securities (Cashkonto, S-Festgeld, Sparkassenbrief, Sparkassenbuch, Sparkassen-Depot, Junges Depot, DekaBank Depot, S Broker DepotPlus, ETF-Sparplan), insurance bundled as S-Privat-Schutz, S-Gesundheitsschutz, and S-Immobilienschutz through Versicherungskammer Bayern, and real estate brokerage. The technology stack integrates Apple Pay, Mobiles Bezahlen (Google Pay), Mastercard Identity Check, Wero instant payments, Multibanking, Card Control, the S-pushTAN-App authentication layer, and the S-Invest App for securities, secured under the Sparkassen-Finanzgruppe deposit-protection system.

Revenue is generated through net interest spread on loans and overdrafts, recurring monthly account fees (€3.00–€14.50), per-transaction posting fees (€0.10–€0.50), annual credit-card fees (€30–€90 plus), insurance and securities commissions (DekaBank, LBS, VKB), and real estate brokerage commissions, with pricing publicly disclosed and tiered by customer segment. The go-to-market model is sales-led with a hybrid branch-and-digital distribution architecture, supported by Google-driven digital marketing, a strong regional sponsorship and foundation presence, and recognition as one of Germany's top-100 most attractive employers (Trendence 2025).

Name

SPARKASSE DACHAU

Legal name

Sparkasse Dachau

Website

https://sparkasse-dachau.de

Company type

Private

Founded year

1881

Operating status

Operating

Short description

Sparkasse Dachau is a regional German public savings bank serving retail and business customers in the Dachau district of Bavaria with checking accounts, lending, savings, securities, insurance, and real estate services delivered through 15+ branches and digital channels including the App Sparkasse.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Depository Credit Intermediation (5221), Savings Institutions and Other Depository Credit Intermediation (52218), Portfolio Management and Investment Advice (523940), Insurance Agencies and Brokerages (524210)

SIC

Investment Advice (6282), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Full-Service Retail Brokerage & Wealth Platforms (FSAAAAAA)

Keywords

• Retail banking services
• Savings and loans
• Mortgage lending
• Consumer credit
• Wealth management

Headquarters

HQ city

Dachau

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

Revenue model

1. Interest Income: Core banking revenue from interest spreads on loans, mortgages, and credit products. The bank offers various lending products including S-Dispositionskredit (9.396% p.a.), S-Baufinanzierung (mortgage), S-Autokredit, and S-Privatkredit.
2. Account Management Fees: Monthly account maintenance fees for various Girokonto models. Giro Privat from 3.00 EUR/month, Giro Klassik at 7.50 EUR/month, Giro Komfort at 9.50 EUR/month, and Giro Premium at 14.50 EUR/month. Additional charges for specific transaction types.
3. Transaction Fees: Fees charged for various banking transactions including online transfers (0.10 EUR for Giro Privat), terminal transfers, branch-assisted transfers (4.50 EUR), and ATM withdrawals. Buchungsposten priced at 0.20-0.50 EUR depending on account tier.
4. Credit Card Revenue: Annual fees for credit cards including Mastercard Standard (30.00 EUR/year), Mastercard Gold (90.00 EUR/year), Mastercard Platinum, and additional card fees. Also includes foreign transaction fees (1.95%) and cash withdrawal fees (2.00%).
5. Insurance Commission: Revenue from insurance product distribution including S-Versicherungsmanager, S-Privat-Schutz packages, health insurance (VKB partnership), and various other insurance products.
6. Securities and Investment Products: Revenue from securities trading, Deka investment funds, ETF sparplans, and wealth management services including DekaBank Depot and S-Broker services.

Pricing tiers

Go-to-market motion1 record

Distribution channels7 records

Marketing channels7 records

Core offering

Sparkasse Dachau is a regional German savings bank (Sparkasse) providing retail and business banking services to the Dachau district in Upper Bavaria. Its core offerings include checking accounts (S-Girokonto with multiple tariff tiers), debit and credit cards (Sparkassen-Card, Mastercard Standard/Gold, Visa), lending products (overdraft, personal loan, mortgage, auto loan), savings instruments (Tagesgeld, Festgeld, Sparkassenbrief, Bausparen), securities and investment services (Wertpapiere, DekaBank Depot, ETF-Sparplan), retirement planning (Riester, Rürup, private pension), insurance distribution through Versicherungskammer Bayern, and real estate brokerage. Digital channels include Online-Banking, App Sparkasse, S-Invest App, S-pushTAN-App, and Wero instant payments.

Product overview

Sparkasse Dachau operates as a regional public savings bank (Anstalt des öffentlichen Rechts) providing a comprehensive suite of retail banking products and services organized around a core S-Girokonto platform with multiple tariff tiers. The product portfolio spans checking accounts (Giro Privat/Klassik/Komfort/Premium, plus youth accounts Giro young finance and Mitwachsendes Konto), card products (Sparkassen-Card debit, Mastercard Standard/Gold/Platinum/X-TENSION, Visa), lending solutions (S-Dispositionskredit, S-Privatkredit, S-Baufinanzierung, S-Autokredit, KfW-Förderkredite), and savings instruments (Cashkonto, S-Festgeld, Sparkassenbrief, Sparkassenbuch, LBS-Bausparen). The securities arm offers Wertpapiere und Börse through multiple depot options (Sparkassen-Depot, DekaBank Depot, S Broker DepotPlus) with ETF-Sparplan and managed portfolios, accessible via the S-Invest App. Retirement planning products include Private Rentenversicherung, Riester-Rente, BasisRente (Rürup), and women-specific Altersvorsorge für Frauen. Insurance is distributed as bundled packages (S-Privat-Schutz, S-Gesundheitsschutz, S-Immobilienschutz) and individual lines. Digital banking centers on Online-Banking and the App Sparkasse, which integrates mobile payments (Apple Pay, Mobiles Bezahlen), instant payment service Wero, Card Control, Multibanking, and the chatbot Linda. The Schenken und Vererben service handles estate planning. The bank is also active in real estate brokerage.

Differentiator

Problem solved

Functional benefit

Products and services

• S-Girokonto (Checking Account) Primary checking account product with multiple tariff tiers offering different fee structures, free transactions, and additional benefits for daily banking needs. Targeted at retail customers seeking comprehensive checking account services.
• Giro young finance Checking account designed for apprentices, students, and young adults up to age 23 with features including online banking and a Sparkassen-Card with custom PIN. Free of charge for the target demographic.
• Giro young finance pro Premium checking account for career starters priced at €2.90/month, offering full online banking access and an exclusive youfi-design Sparkassen-Card.
• Mitwachsendes Konto (Growing Account) Growing account for minors under 18, offering free account management with parental transparency and cost-free withdrawals.
• Sparkassen-Card (Debit Card) Debit card accepted at many merchants, enabling secure online shopping like a credit card and worldwide payments, with optional Apple Pay integration.
• Mastercard Standard Entry-level credit card priced at €30/year with contactless payment capability at many acceptance points and free custom design options.
• Mastercard Gold Premium credit card priced at €90/year offering comprehensive travel insurance including foreign travel health insurance, trip cancellation, and roadside assistance for Europe and Mediterranean countries.
• Visa Standard Credit Card Standard Visa credit card offering worldwide payment capabilities and acceptance at millions of merchants.
• S-Dispositionskredit (Overdraft Facility) Authorized overdraft facility allowing accounts to go into negative balance up to an agreed limit; interest charged only on used amount at 9.396% p.a.
• S-Privatkredit (Personal Loan) Personal loan product for larger or longer-term financing needs, offering attractive interest rates compared to overdraft facilities.
• S-Baufinanzierung (Mortgage Financing) Mortgage and real estate financing product for purchasing or constructing property, offered through the Sparkasse.
• S-Autokredit (Auto Loan) Specialized vehicle financing loan for purchasing cars and other vehicles.
• Cashkonto (Tagesgeld / Day Deposit) Day deposit account offering flexible access to savings with competitive interest rates on daily balances.
• Sparkonto young finance Digital savings account for young adults aged 18-30 with attractive special interest rates for regular saving.
• S-Festgeld (Fixed-Term Deposit) Fixed-term deposit product with guaranteed interest rates for a specified investment period.
• Sparkassenbrief (Savings Bond) Savings bond product offering fixed interest rates over a defined term.
• Sparkassenbuch (Passbook Savings) Traditional passbook savings account with book-format record of deposits and withdrawals.
• LBS-Bausparen (Building Society Savings) Building society savings product combining state subsidies with housing savings for real estate purchase or renovation, available with Wohn-Riester government pension scheme.
• Wertpapiere und Börse (Securities and Investment Services) Securities and investment service offering access to Sparkassen-Depot, Junges Depot, DekaBank Depot, S Broker DepotPlus, ETF-Sparplan, and managed portfolio solutions.
• Private Rentenversicherung (Private Pension Insurance) Private pension insurance providing flexible retirement savings with customizable contributions and payout options, distributed through Versicherungskammer Bayern partnership.
• Riester-Rente State-subsidized retirement savings combining annual government allowances of €175 (plus €200 one-time bonus for young savers and €185-300 per child) with potential tax benefits.
• BasisRente (Rürup-Rente) Tax-advantaged retirement pension particularly suited for higher earners, allowing annual contributions up to €2,100 (singles) or €2,160 (married) to be deducted as special expenses.
• Altersvorsorge für Frauen (Retirement Planning for Women) Retirement planning advisory service addressing gender-specific financial challenges including longer life expectancy, part-time work patterns, and pension gaps.
• Schenken und Vererben (Estate Planning) Estate planning and wealth transfer advisory service including will preparation, power of attorney, gifting strategies, and inheritance planning with tax optimization.
• S-Privat-Schutz (Personal Insurance Package) Comprehensive insurance package bundling multiple personal insurance products for simplified coverage management, distributed in partnership with Versicherungskammer Bayern.
• S-Gesundheitsschutz (Health Insurance Package) Health insurance package including private health insurance, dental supplements, practitioner coverage, hospital add-ons, and nursing care insurance.
• S-Immobilienschutz (Property Insurance Package) Property insurance bundle covering home contents, building insurance, natural disaster damage, and rental deposit guarantee.
• App Sparkasse (Mobile Banking App) Multi-award-winning mobile banking application offering account overview, transfers via photo payment or GiroCode, Wero instant payments, Card Control, Multibanking, and Dark Mode; available on iOS and Android.
• Online-Banking (Web Banking Platform) Digital banking platform enabling account management, transfers, standing orders, and document access via browser, secured with pushTAN or chipTAN verification.
• Immobilienvermittlung (Real Estate Brokerage) Real estate brokerage service including property purchase/sale assistance, rental management, S-ImmoPreisfinder valuation tool, and property financing solutions.

Quantifiable outcome

• Access to approximately 20,000 Sparkassen ATMs nationwide for cash withdrawals
• +1 more outcomes

Segments7 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

AI capability2 records

Feature7 records

Partnerships

Four partnerships are on record, tiered core and minor.

• Deka (DekaBank)coreTechnology or IntegrationPartnership with DekaBank for investment fund products, ETFs, and securities trading. Provides Deka-JuniorPlan, Deka-FondsSparplan, Deka-ETFs, and DekaBank Depot services integrated into Sparkasse Dachau's offering.
• Versicherungskammer Bayern (VKB)coreStrategic or Co-development PartnerPartnership with Versicherungskammer Bayern, Germany's largest public insurer, for insurance products. Provides private pension insurance (Private Rentenversicherung), Riester-Rente, and other insurance solutions through the Sparkasse.
• LBS (Landesbausparkasse Bayern)coreStrategic or Co-development PartnerBuilding society partnership for LBS-Bausparen products including state-subsidized home savings (Wohn-Riester), VL-Sparen, and building society loans. Also includes LBS-Energieberatung for energy-efficient renovation financing.
• PAYBACKminorGTM or Marketing PartnerPartnership with PAYBACK loyalty program allowing customers to collect and redeem loyalty points with their Sparkasse debit card.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Deutsche Bank: Germany's largest universal bank with full retail, wealth, and corporate capabilities. Competes with Sparkasse Dachau for retail deposits, mortgages, and investment products across Germany, but at materially greater scale and product breadth.
• ING-DiBa: Germany's largest direct bank, offering giro accounts, brokerage, mortgages, and consumer loans online. Competes for the same retail customers as Sparkasse Dachau, particularly those preferring digital-first banking over branch-based service.
• Commerzbank: Universal bank with significant retail and SME presence in Germany, including Bavaria. Overlaps with Sparkasse Dachau in giro accounts, mortgages, and business banking, but operates a national branch model rather than a regional public-law structure.
• HypoVereinsbank (UniCredit): Major universal bank operating broadly across Bavaria and Germany. Overlaps with Sparkasse Dachau on retail checking, mortgages, and wealth management but operates as a much larger commercial bank without the public-law savings-bank mandate.

Direct peers

• DKB (Deutsche Kreditbank): Direct/digital bank serving retail and SME customers across Germany with checking, brokerage, and lending products. Direct competitor for digitally-engaged customers, particularly younger demographics that Sparkasse Dachau targets with its youfi product line.
• Kreissparkasse München: County savings bank covering the Munich rural district surrounding Dachau. Identical business model (Anstalt des öffentlichen Rechts), DekaBank/LBS/VKB partnerships, and product catalog, competing for similar retail and SME customers in the greater Munich metropolitan area.
• Stadtsparkasse München: City savings bank serving Munich within the same Sparkassen-Finanzgruppe, offering an identical product suite (S-Girokonto, S-Baufinanzierung, VKB insurance, DekaBank securities) to retail and business customers. Operates in the adjacent urban market with the same public-law governance structure.
• Sparkasse Fürstenfeldbruck: Neighboring Bavarian Sparkasse serving Fürstenfeldbruck district. Same institutional form, regulator (BaFin/ECB), product lineup, and Sparkassen-Finanzgruppe affiliation, with similar customer segments of retail, business, and HNW clients.
• Volksbank Raiffeisenbank Dachau: Local cooperative bank serving the same Dachau district with overlapping retail and SME banking offerings. Competes head-to-head with Sparkasse Dachau for household checking, mortgage, and business-banking customers in the identical geographic footprint.

Emerging players

• N26: Germany-headquartered neobank with mobile-first checking, savings, and trading products across Europe. Targets the same young and digitally-native customer segment that Sparkasse Dachau courts through Giro young finance and the award-winning App Sparkasse.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights5 records

Customer concentration

• Xtiktok.com/@sparkasse_dachau
• YouTubeyoutube.com/sparkassedachau
• Facebookfacebook.com/sparkassedachau
• LinkedInlinkedin.com/company/sparkasse-dachau
• Instagraminstagram.com/sparkasse_dachau

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 DACHAU