SPARKASSE ODER-SPREE
- Company typePrivate
- Founded1822
- HeadquartersFrankfurt An Der Oder, Germany
- Headcount1–10
- GTM typeB2C
- OfferingServices
SPARKASSE ODER-SPREE firmographics
Firmographics- Name
- SPARKASSE ODER-SPREE
- Legal name
- Sparkasse Oder-Spree
- Website
- https://s-os.de
- Company type
- Private
- Founded year
- 1822
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Ownership category
- akta.pro rank
Where SPARKASSE ODER-SPREE is headquartered
LocationHeadquarters
- HQ city
- Frankfurt An Der Oder
- HQ country
- Germany
- HQ region
- Europe
Offices3 records
Markets served
SPARKASSE ODER-SPREE business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others
Revenue model
- Interest Income: Traditional banking interest margins from lending (mortgages, personal loans, credit cards) and deposits (savings accounts, term deposits)
- Account and Card Fees: Monthly account maintenance fees, debit/credit card fees, and transaction fees for various banking services
- Investment Products Distribution: Commission revenue from distributing DekaBank investment funds, ETFs, certificates, and wealth management products through the Sparkasse network
- Insurance Products: Commission revenue from distributing insurance products (S-Gesundheits-Schutz, S-Privat-Schutz, S-Immobilien-Schutz)
- Real Estate Services: Brokerage and financing services for property transactions through the Immobilien center
- Bausparen Products: Building savings products (LBS-Bausparen) with state subsidies, generating planning and account fees
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | DekaBank Depot with electronic inbox |
| Subscription | Annual | DekaBank Depot with postal delivery |
| Subscription | Annual | VL and asset-building depots |
| Unit Pricing | Monthly | Deka-BasisAnlage investment plan |
| Unit Pricing | Monthly | Deka-FondsSparplan |
Go-to-market motion2 records
Distribution channels6 records
Marketing channels7 records
SPARKASSE ODER-SPREE product offering
Product offeringCore offering
Sparkasse Oder-Spree is a regional German savings bank providing a full range of retail and business banking services to customers in the Oder-Spree region of Brandenburg. Core offerings include current accounts (Girokonto) with multiple tiers, savings and fixed-term deposits, personal, auto, and construction/mortgage loans, overdraft facilities, debit and credit cards, and securities services delivered through the DekaBank partnership (depots, fund savings plans, ETFs, and wealth management). The bank also distributes insurance products, LBS building savings plans, and real estate brokerage and financing services via its ImmobilienCenter.
Product overview
SPARKASSE ODER-SPREE is a regional Sparkasse (German savings bank) offering a comprehensive financial services platform with multiple product categories. The core banking platform provides checking accounts (S-Girokonto), credit cards (Sparkassen-Kreditkarte), personal and mortgage loans, and deposit products (S-Tagesgeld, S-Festgeld). The investment and securities division operates through DekaBank integration, offering DekaBank Depot, Deka-FondsSparplan, Deka-BasisAnlage, Deka ETFs, Deka-Connect+, and Deka-JuniorPlan. Digital banking services include Online-Banking (web platform), App Sparkasse (mobile banking), S-pushTAN-App (authentication), Card Control (card management), and Wero (payment system). Additional services encompass retirement planning, insurance products, real estate services, and building society savings (LBS-Bausparen). The bank operates within the Sparkassen-Finanzgruppe network, leveraging shared infrastructure and partner services.
Differentiator
Problem solved
Functional benefit
Brands
- DekaBank Depot: Investment platform for purchasing funds and certificates managed in partnership with DekaBank, the central securities house of the Sparkassen-Finanzgruppe.
- Deka-BasisAnlage
- Deka-FondsSparplan
- Deka-Vermögensstrukturierung
- Card Control
Products and services
- S-Girokonto (Current Account) Current account (Girokonto) for everyday retail banking offered in multiple tiers: MobilKonto online-only, ModulKonto classic, MaxiKonto comfort with bundled services, and Jugendgirokonto for young customers. Used for salary deposits, transfers, card payments, and standing orders by private customers in the Oder-Spree region.
- Sparkassen-Card DMC (Debit Card) Debit Mastercard co-badge card linked to the Sparkasse current account for contactless in-store and online payments, Apple Pay support, ATM withdrawals, and Card Control card management functionality for private and business customers.
- Sparkassen-Kreditkarte (Credit Card) Mastercard credit card range including Mastercard Standard (Aktion), Mastercard Gold, and Mastercard Platinum variants offering differentiated benefits, insurance coverage, and travel features for retail customers in the Oder-Spree region.
- S-Privatkredit (Personal Loan) Unsecured personal loan for flexible retail financing needs with competitive interest rates, available to private customers for general consumption and discretionary spending.
- S-Autokredit (Auto Loan) Specialized vehicle financing loan offering favorable terms for private customers purchasing new or used cars in the Oder-Spree region.
- S-Baufinanzierung (Mortgage and Construction Financing) Mortgage and construction financing for private customers purchasing property or building a home, complemented by KfW subsidized loans, Forward loans for follow-on financing, and modernization lending.
- S-Dispositionskredit (Overdraft Facility) Arranged overdraft line on the S-Girokonto providing short-term liquidity for private customers, integrated with current account management.
- S-Tagesgeld (Daily Savings Account) Demand deposit account with variable interest rates providing flexible access to funds for short-term retail savings and liquidity reserves.
- S-Festgeld (Fixed-Term Deposit) Fixed-term deposit account offering guaranteed interest rates over the agreed term for private customers seeking predictable medium-term retail savings returns.
- DekaBank Depot (Securities Account) Securities depot managed by DekaBank, the central securities house of the Sparkassen-Finanzgruppe, enabling retail customers to purchase investment funds, certificates, and ETFs from 25 EUR; subscription priced at 12.50 EUR per year with electronic inbox or 19.50 EUR per year with postal delivery.
- Deka-FondsSparplan (Fund Savings Plan) Regular savings plan for building retail wealth through Deka investment funds, with contributions starting from 25 EUR and flexible monthly, bi-monthly, quarterly, or annual frequencies, including cost-averaging and compound interest benefits.
- Deka-BasisAnlage (Fund Investment Product) Fund investment product with five variants (konservativ, moderat, ausgewogen, dynamisch, offensiv) matched to different investor risk profiles, starting from 25 EUR per month, with active management and a sustainability focus.
- Deka-Connect+ (Managed Wealth Portfolio) Professionally managed portfolio combining convenience with individualization in an actively managed fund-based mandate, offering multiple investment profiles and up to three customized future themes for retail wealth clients.
- Deka ETFs Exchange-traded funds from Deka Investment GmbD offering broad market diversification at low cost through index-based investing, available to retail customers from 25 EUR via the DekaBank Depot.
- Vermögensstrukturierung (Wealth Structuring) Active wealth structuring service combining real estate funds, equities, bonds, and liquidity, with active management by DekaBank financial market experts for retail wealth clients.
- Kinderdepot (Children's Securities Depot) Securities depot designed for minors, offered within the DekaBank Depot, allowing parents or guardians to start long-term wealth building for children as a foundation for future retirement planning.
- Deka-JuniorPlan (Children's Investment Plan) Long-term investment plan for children built on Deka funds, designed for parents or grandparents seeking to build wealth for minors' future needs including education and retirement.
- Sparkassen-Altersvorsorge (Retirement Planning) Retirement planning product family including Private Rentenversicherung (private pension), JuniorRente (children's pension), Betriebliche Altersversorgung (employer-sponsored pension), BasisRente/Rürup-Rente (statutory-recognized pension), and Vermögensmanagement for retirement-oriented wealth structuring.
- Versicherungen (Insurance Products) Distribution of insurance products including S-Gesundheits-Schutz (health protection), S-Privat-Schutz (personal protection), S-Versicherungsmanager (insurance manager portal), and S-Immobilien-Schutz (property protection) for retail customers.
- Sparkasse ImmobilienCenter (Real Estate Services) Real estate services through the Sparkasse ImmobilienCenter covering brokerage for property purchase and sale, construction financing, modernization planning, and related insurance products for private customers in the Oder-Spree region.
- LBS-Bausparen (Building Savings) Building society savings products distributed via LBS, combining capital-forming savings with state subsidies such as Wohnungsbau-Prämie and Wohn-Riester for retirement savings tied to home ownership.
- App Sparkasse (Mobile Banking App) Mobile banking application distributed via the Google Play Store and Apple App Store for iOS and Android, providing account overview, transfers, Wero instant payments, push notifications, biometric login, card controls, and Multibanking access.
- Online-Banking (Internet-Filiale) Web-based online banking platform (Internet-Filiale) accessible via browser, providing full account management, transfers, standing orders, document delivery, Multibanking, card controls, and access to depot and investment services.
Companies that use SPARKASSE ODER-SPREE
Customer profileSegments3 records
Ideal customer profiles2 records
SPARKASSE ODER-SPREE technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration10 records
AI capability4 records
Feature8 records
SPARKASSE ODER-SPREE partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- DekaBank (Deutsche Girozentrale)coreDekaBank is the central securities house of the Sparkassen-Finanzgruppe and one of the largest securities service providers in Germany. Sparkasse Oder-Spree offers DekaBank investment products including funds, ETFs, certificates, and wealth management through its branches and online banking platform. The partnership enables the Sparkasse to provide comprehensive investment services to its retail customers.
- LBS (Landesbausparkasse)coreLBS provides building savings products (Bausparen) with state subsidies including Wohnungsbau-Prämie, VL-Sparen, and Wohn-Riester. These products are offered alongside Sparkasse's mortgage lending for comprehensive home financing solutions.
Scale indicators2 records
Recent moves6 records
Expansion highlights5 records
SPARKASSE ODER-SPREE competitors and assessment
Company assessmentDirect peers
- Stadtsparkasse München: Major German Sparkasse with the same public-law institutional model and product architecture. Useful as a peer for understanding how a Sparkasse scales wealth management and SME banking within the Sparkassen-Finanzgruppe framework.
- Mittelbrandenburgische Sparkasse in Potsdam: Another regional Sparkasse in Brandenburg operating under the same public-law Sparkassen-Finanzgruppe model with an equivalent product suite (Girokonto, mortgages, DekaBank investment products). Closest peer in terms of geography and customer base structure.
- Hamburger Sparkasse (Haspa): One of Germany's largest Sparkassen, operating with the same business model, DekaBank integration, and omnichannel distribution. Relevant peer for benchmarking digital product rollout and product breadth, though serving a much larger and more urban market.
- Sparkasse Barnim: Neighboring regional Sparkasse in Brandenburg serving a similar rural/suburban catchment area with identical product platform and group-wide back-office infrastructure. Provides the most direct regional benchmark.
- Sparkasse KölnBonn: Large regional Sparkasse with identical public-law status, DekaBank-backed investment offerings, and traditional branch-plus-digital distribution. Comparable business model serving a different regional market.
- Sparkasse Märkisch-Oderland: Adjacent regional Sparkasse in eastern Brandenburg with comparable product offerings and similar customer demographics. Direct peer along geographic, demographic, and operational dimensions.
Emerging players
- ING Germany: Direct bank with a strong German retail franchise competing on mobile UX, low fees, and transparency. Most direct threat to Sparkasse's primary current account and consumer lending relationships.
- DKB (Deutsche Kreditbank): Direct competitor in the German retail banking segment, particularly for online and mobile banking customers. Competes head-on for younger retail customers and digitally-native segments where Sparkasse's traditional model is weaker.
Broad incumbents
- Deutsche Bank: Germany's largest universal bank with retail, corporate, and wealth management operations. Competes across all segments but lacks Sparkasse's public-law guarantee and regional branch depth.
- Commerzbank: Major German universal bank with retail and SME banking franchises. Comparable in product breadth but operates with a private-sector balance sheet model rather than Sparkasse's public-law institutional structure.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
SPARKASSE ODER-SPREE social profiles
Digital presenceSPARKASSE ODER-SPREE financial estimates
Financial estimateRevenue estimate
Valuation estimate
SPARKASSE ODER-SPREE leadership team
Management profileNumber of profiles
SPARKASSE ODER-SPREE funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
SPARKASSE ODER-SPREE M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about SPARKASSE ODER-SPREE
What does SPARKASSE ODER-SPREE do?
Sparkasse Oder-Spree is a regional German savings bank providing a full range of retail and business banking services to customers in the Oder-Spree region of Brandenburg. Core offerings include current accounts (Girokonto) with multiple tiers, savings and fixed-term deposits, personal, auto, and construction/mortgage loans, overdraft facilities, debit and credit cards, and securities services delivered through the DekaBank partnership (depots, fund savings plans, ETFs, and wealth management). The bank also distributes insurance products, LBS building savings plans, and real estate brokerage and financing services via its ImmobilienCenter.
Is SPARKASSE ODER-SPREE a public or private company?
SPARKASSE ODER-SPREE is a private company. It is classified as state government owned and is currently operating.
When was SPARKASSE ODER-SPREE founded?
SPARKASSE ODER-SPREE was founded in 1822. It employs 1 to 10 people.
Where is SPARKASSE ODER-SPREE based?
SPARKASSE ODER-SPREE is headquartered in Frankfurt An Der Oder, Germany, in the Europe region.
How does SPARKASSE ODER-SPREE make money?
Six revenue lines are on record. Interest Income is the primary driver. The others are account and Card Fees, investment Products Distribution, insurance Products, real Estate Services and bausparen Products.
Who are SPARKASSE ODER-SPREE's main competitors?
Direct peers on record are Stadtsparkasse München, Mittelbrandenburgische Sparkasse in Potsdam, Hamburger Sparkasse (Haspa), Sparkasse Barnim, Sparkasse KölnBonn and Sparkasse Märkisch-Oderland. Emerging players are ING Germany and DKB (Deutsche Kreditbank). Broad incumbents are Deutsche Bank and Commerzbank.
Does SPARKASSE ODER-SPREE have an API?
No public API is recorded for SPARKASSE ODER-SPREE.