kreissparkasse schongau

What kreissparkasse schongau does

Sparkasse Oberland, also referenced historically as Kreissparkasse Schongau, is a German public savings bank constituted as an "Anstalt des öffentlichen Rechts" (public-law institution), headquartered in Weilheim in der Oberpfalz and serving retail customers, small and medium-sized businesses, and public-sector entities across Bavaria's Oberland region. The institution has operated for approximately 190 years and operates as part of the Sparkassen-Finanzgruppe, the nationwide network of public savings banks, which supplies it with mutual product, IT, and brand infrastructure.

The bank's product portfolio spans current accounts, savings products, consumer and mortgage lending, securities and fund distribution (via DekaBank), Bauspar products (via LBS), insurance brokerage (via Versicherungskammer Bayern), and digital advisory (via bevestor). Underlying technology includes a branch-banking core, online and mobile banking, the "Linda" chatbot and a voicebot that use Google's intent-detection / NLP services for customer-service automation, video-identification onboarding via AUTHADA / IDNow, and the Wero pan-European payment standard. Distribution is a hybrid of physical branches across the Oberland catchment and digital channels targeting both retail and business customers.

The business model is the standard German Sparkassen model: net interest income from deposits and lending is the primary revenue driver, supplemented by fee income from payment services, fund and insurance commissions, and Bauspar product distribution. Because the entity is a public-law institution rather than a corporation, surplus is retained for the regional public mandate rather than distributed to shareholders, and there is no public equity, funding-round, or M&A footprint.

Name

kreissparkasse schongau

Legal name

Sparkasse Oberland Anstalt des Öffentlichen Rechts

Website

https://sparkasse-oberland.de

Company type

Private

Operating status

Operating

Short description

Sparkasse Oberland is a Bavarian public savings bank serving retail and business customers across the Oberland region with deposits, lending, funds, insurance, and digital banking via branches and online channels.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Savings Institutions and Other Depository Credit Intermediation (522180)

SIC

Savings Institutions, Not Federally Chartered (6036)

akta.pro primary industry

Branch & In-Person Banking (Teller/ATM Networks) (FSABAAAE)

akta.pro secondary industry

Savings Banks (Public/State-Owned) (FSABAKAK)

Keywords

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

Headquarters

HQ city

Weilheim

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

Revenue model

1. Account and Transaction Fees: Monthly account maintenance fees, transaction fees, and service charges for giro accounts and related services
2. Lending Interest: Interest income from mortgages, personal loans, auto loans, and credit facilities including Dispositionskredit (overdraft)
3. Investment Product Distribution: Commissions and fees from distributing Deka investment funds, ETFs, certificates, and securities products through Sparkasse network
4. Insurance Products: Commission revenue from insurance product sales including property, health, life, and liability insurance through partnerships
5. Card Services: Revenue from credit cards, debit cards, and associated fees
6. Building Society Products: Revenue from LBS-Bausparen (building savings) products and related financial services

Pricing tiers

Go-to-market motion1 record

Distribution channels7 records

Marketing channels9 records

Core offering

Kreissparkasse Schongau is a regional savings bank (Sparkasse) operating as a public law institution in Bavaria, Germany. It provides retail and business banking services including current accounts, savings products, mortgage and consumer loans, securities and investment products (via DekaBank), insurance solutions, and retirement planning. Banking services are delivered through physical branches, online banking, and the Sparkassen-App mobile platform.

Product overview

Sparkasse Oberland operates as a regional savings bank (Sparkasse) providing a comprehensive digital banking platform with a multi-product financial services portfolio. The core offering centers on Online-Banking as the primary digital access point, supplemented by multiple current account tiers (S-Giro Smart, S-Giro Young, S-Giro Perfekt) and associated debit/credit card products. The investment arm features DekaBank Depot and Sparkassen-Depot for securities trading, supported by educational tools like Deka SINNcom, Deka-AbräumSparen, and Robo Advisor bevestor. The bank also offers a full range of lending products from personal loans to mortgages, insurance packages (S-Privat-Schutz, S-Gesundheits-Schutz, property insurance), and retirement planning solutions including Rürup and Riester pensions. Digital banking is enhanced with S-pushTAN App, Geräteerkennung (device recognition), and S-Invest App. The product architecture functions as an integrated platform with modules for payments, savings, investments, insurance, and advisory services.

Differentiator

Problem solved

Functional benefit

Brands

• S-Invest App: Mobile application for securities and investment management
• bevestor
• DekaBank Depot

Products and services

• S-Giro Smart Basic current account (Girokonto) positioned as a popular digital-first account for retail customers in the Oberland region.
• S-Giro Young Current account designed for young customers with tailored features and benefits for the youth demographic.
• S-Giro Young Smart Smart variant of the youth current account with enhanced digital features for younger customers.
• S-Giro Perfekt Premium tier current account offering comprehensive banking services and branch access.
• Mastercard Gold Premium credit card with travel insurance, extended warranty, and concierge services for retail customers.
• Mastercard Standard Standard credit card for everyday purchases and cash withdrawals.
• Mastercard X-TENSION Credit card product with extended payment options for retail customers.
• S-Privatkredit Personal loan for general financing needs with flexible repayment terms for retail customers.
• S-Autokredit Specialized auto financing loan for vehicle purchases.
• S-Modernisierungskredit Home improvement loan for renovation and modernization projects.
• S-Baufinanzierung Comprehensive mortgage and construction financing services with various term options.
• Forward-Darlehen Forward loan for securing current interest rates for future mortgage refinancing.
• KfW-Förderkredite Government-subsidized loans through KfW development bank for energy efficiency and other qualifying projects.
• KfW-Studienkredit Government-subsidized student loan through KfW development bank for higher education financing.
• Geldmarktkonto (Tagesgeld) Money market account with daily access for short-term savings.
• Sparkassenbrief Fixed-term savings certificate with guaranteed interest rates.
• Oberland Zielsparen (Ratensparen) Targeted savings plan for achieving specific financial goals with regular installments.
• PS-Sparen und Gewinnen Lottery-linked savings program combining savings with prize opportunities.
• VL-Sparen (Vermögenswirksame Leistungen) Savings program for employer-provided capital-forming benefits with state subsidies up to 480 EUR annually.
• SOLIT Edelmetalldepot Tarif S Precious metals depot for investing in gold and other precious metals.
• Sparkassen-Depot Securities custody account for holding stocks, bonds, and Sparkasse-branded funds. Starting from 20.00 EUR per year.
• DekaBank Depot Investment depot for Deka Investment funds, ETFs, and certificates. Starting from 12.50 EUR per year with electronic mailbox.
• Deka-FondsSparplan Regular investment plan for Deka funds starting from 25 EUR monthly with flexible contribution amounts.
• bevestor (Robo Advisor) Digital wealth management service (Robo Advisor) by DekaBank for automated investment portfolio management. Minimum investment: 25 EUR monthly or 500 EUR one-time.
• Deka ETFs Exchange-traded funds offering cost-efficient index-based investment options through the Deka product line.
• Deka-Künstliche Intelligenz Fund Equity fund focusing on artificial intelligence and robotics companies (ISIN: LU2339791803).
• Deka-Technologie Fund Technology-focused equity fund (ISIN: DE0005152623).
• Deka-MegaTrends Fund Thematic equity fund focusing on mega-trend investments (ISIN: DE0005152706).
• S-BasisRente (Rürup-Rente) Basic pension product for retirement savings with tax benefits.
• Betriebliche Altersversorgung Company pension schemes and occupational retirement plans for employees.
• Riester-Rente State-subsidized private retirement pension with government bonuses.
• Deka-JuniorPlan Children's savings plan for building retirement wealth from an early age.
• S-ImmobilienSchutz Insurance package for property owners covering building and content insurance.
• S-Gesundheits-Schutz Health insurance package covering additional healthcare costs.
• S-Privat-Schutz Comprehensive private protection insurance package covering personal risks.
• Hausratversicherung Household contents insurance covering personal belongings.
• Wohngebäude Vario Flexible building insurance for homeowners.
• Kfz-Versicherung Vehicle insurance for automobiles.
• Auslandsreise-Krankenversicherung Travel health insurance for trips abroad.
• Reiserücktrittsversicherung Travel cancellation insurance.
• Private Haftpflichtversicherung Personal liability insurance.
• LBS-Bausparen Building savings products with state subsidies, Wohn-Riester retirement housing savings, and modernization financing through LBS partnership.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

AI capability3 records

Feature7 records

Partnerships

Four partnerships are on record, tiered core and minor.

• DekaBank / Deka InvestmentcoreStrategic or Co-development PartnerDekaBank is the securities house of the Sparkassen-Finanzgruppe and provides investment products, fund management, and brokerage services exclusively through Sparkasse branches. Sparkasse Oberland distributes Deka funds, ETFs, certificates, and manages DekaBank Depots for customers.
• LBS (Landesbausparkasse)coreStrategic or Co-development PartnerBuilding savings partner offering LBS-Bausparen products with state subsidies, Wohn-Riester retirement housing savings, and modernization financing through the Sparkasse network.
• Versicherungskammer (Insurance)coreStrategic or Co-development PartnerInsurance products partner offering VersicherungsKammer Schatzbrief, GenerationenDepot Invest, and comprehensive insurance solutions through Sparkasse advisory.
• PAYBACKminorGTM or Marketing PartnerLoyalty program partnership offering PAYBACK points on account transactions and card payments, integrated with S-Vorteilswelt.

Scale indicators2 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Kreissparkasse München: Another Bavarian Kreissparkasse offering the same Sparkassen retail and corporate banking, lending, investment, and insurance products via branches and digital channels in the greater Munich area. Directly comparable as a regional savings bank under the same Sparkassen-Finanzgruppe framework.
• Sparkasse Berlin (Berliner Sparkasse): Major urban Sparkasse with a comparable retail/business banking, mortgage, and investment product suite distributed through branches and digital channels. Highly comparable in product structure and target customers despite the geographic split.
• Hamburger Sparkasse (Haspa): One of Germany's largest regional savings banks offering the full Sparkassen product portfolio (accounts, lending, securities via DekaBank, insurance) to retail and corporate customers. Closely comparable in operating model and product breadth.
• Volksbank Raiffeisenbank (cooperative banking sector): Germany's parallel cooperative banking network serving retail and SME customers with deposit, lending, and investment products through a localized branch model. Directly competes with Sparkassen for the same regional retail and SME segments.
• ING Germany: Major German direct bank competing for retail deposits, current accounts, and consumer lending with a digital-first model. Targets the same retail customer base with a lower-cost alternative to traditional branch-based savings banks.
• TARGOBANK: German retail and consumer finance bank offering current accounts, consumer loans, credit cards, and savings products. Directly competes for retail deposits and consumer lending in the same German market.

Others

• DekaBank: Sparkassen-Finanzgruppe's central securities house that supplies investment funds, ETFs, certificates, and Robo-Advisor bevestor distributed through Sparkasse branches. Operationally inseparable from Sparkasse Oberland's investment offering.

Emerging players

• N26: Germany-headquartered digital challenger bank offering mobile-first current accounts to retail customers across Europe. Represents the new-generation competitive threat to traditional savings banks, particularly for younger customer segments.

Broad incumbents

• Deutsche Bank: Germany's largest universal bank offering retail, wealth, and corporate banking. Overlaps with Sparkasse Oberland on retail accounts, mortgages, and investment products but at national scale and with a broader product portfolio.
• Commerzbank: Major German retail and commercial bank offering current accounts, lending, securities, and insurance products to retail and SME customers. Broadly comparable retail banking overlap with Sparkasse Oberland.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCuzzT2GFLuNVWgoFkIaqE2w
• Facebookfacebook.com/Sparkasse.Oberland
• LinkedInlinkedin.com/company/sparkasse-oberland
• Instagraminstagram.com/sparkasse.oberland
• TikToktiktok.com/discover/sparkasse-oberland

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 schongau