stadt- und kreissparkasse erlangen

What stadt- und kreissparkasse erlangen does

Stadt- und Kreissparkasse Erlangen Höchstadt Herzogenaurach is a German municipal public savings bank (Sparkasse) organized as an Anstalt des öffentlichen Rechts, headquartered at Hugenottenplatz 5, Erlangen. It serves private and corporate customers across the Bavarian cities of Erlangen, Höchstadt an der Aisch, and Herzogenaurach as part of the Sparkassen-Finanzgruppe — Germany's largest financial services network — and is supervised by the European Central Bank and BaFin. Its product stack spans current accounts (direkt GIRO, classic GIRO, mein GIRO), debit and credit cards (Sparkassen-Card, Mastercard Standard/Gold/Platinum), mortgages and consumer loans (S-Baufinanzierung, S-Privatkredit, S-Autokredit, Sparkassen-Klimakredit), savings and securities (Deka funds, S-Neo, S-Broker, bevista robo-advisor), insurance brokerage (via Versicherungskammer Bayern), building society savings (LBS), and retirement products including the new Frühstart-Rente and 2027 state-subsidized private pension framework.

The underlying technology is a proprietary digital banking platform integrated with Sparkassen-Finanzgruppe group infrastructure. Digital delivery is centered on App Sparkasse (iOS/Android — multi-award winning, supporting Wero instant payments, photo transfers, Multibanking aggregation including PayPal, Card Control, and dark mode), browser-based Online-Banking with Elektronisches Postfach, and the S-pushTAN-App for transaction authorization (available in German, English, French, Polish, Czech, Turkish, and Ukrainian). Security layers include S-pushTAN, chipTAN, 3-D Secure, and Geräteerkennung device recognition (180-day trusted-device cookies). Supporting tooling includes Rentenplanung 2.0 (Deutsche Rentenversicherung CSV integration), Finanzplaner household budgeting, S-Invest App for mobile securities, and S-ImmoPreisfinder for property valuation.

The business model is a hybrid omnichannel universal bank. Revenue is generated across six streams: account/transaction fees (subscription tiers, overdraft facilities), credit and lending (interest income from mortgages and consumer loans), investment product distribution (Deka funds, S-Broker, certificates — transaction/take-rate commissions), insurance brokerage commissions (VKB products), LBS Bausparen product fees, and card/payment services (Mastercard annual fees, merchant services). Distribution combines physical branches with self-service digital banking (Online-Banking, App Sparkasse, app store distribution) and inside sales via telephone banking and service-center channels. Marketing is multi-channel: organic social (Facebook, Instagram, LinkedIn, Xing), email newsletters, referral (Kunden werben Kunden — EUR 50 Erlanger City-Gutschein), content (Finanzakademie learning paths), and promotional events (Wero-Win-Wochen). Customer segments are horizontally split across retail, SME/business, youth (KNAX-Klub, mein GIRO), retirement-focused, and investment-focused personas.

Name

stadt- und kreissparkasse erlangen

Legal name

Stadt- und Kreissparkasse Erlangen Höchstadt Herzogenaurach

Website

https://sparkasse-erlangen.de

Company type

Private

Operating status

Operating

Short description

Stadt- und Kreissparkasse Erlangen Höchstadt Herzogenaurach is a German municipal public savings bank serving retail and SME customers across Erlangen, Höchstadt, and Herzogenaurach in Bavaria, offering full-service banking — current accounts, mortgages, consumer loans, insurance, investments, and digital banking — as part of the Sparkassen-Finanzgruppe network.

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

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

Keywords

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

Headquarters

HQ city

Erlangen

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Account and Transaction Fees: Revenue from account maintenance fees, transaction charges, and service fees across various account models (direkt GIRO, classic GIRO, mein GIRO). Includes fees for overdraft facilities (Dispositionskredit).
2. Credit and Lending: Interest income from mortgage lending (Sparkassen-Baufinanzierung), personal loans (S-Privatkredit), auto loans (S-Autokredit), and other financing products.
3. Investment Products Distribution: Commissions from distributing investment products including Deka investment funds, DekaBank certificates, Sparkassen depot services, S-Broker, and S-Neo. Includes VL-Sparen (investment saving) products.
4. Insurance Distribution: Revenue from insurance brokerage including property, liability, health, travel, legal protection, and other insurance products through Versicherungsmanager.
5. Bausparen Products: Revenue from LBS building savings products including LBS-Bausparen with state subsidies, Wohn-Riester, and modernization loans.
6. Card and Payment Services: Revenue from credit card processing, merchant services, and card annual fees for Mastercard Standard/Gold/Platinum products.

Pricing tiers

Go-to-market motion2 records

Distribution channels7 records

Marketing channels8 records

Core offering

Stadt- und Kreissparkasse Erlangen Höchstadt Herzogenaurach operates as a German public savings bank offering retail and corporate banking services. The bank provides current accounts (Girokonto), debit and credit cards, mortgages, personal and auto loans, savings and investment products, securities trading, retirement planning, insurance brokerage, and real estate services. Digital channels include Online-Banking and the award-winning App Sparkasse, complemented by physical branches in Erlangen, Höchstadt an der Aisch, and Herzogenaurach.

Product overview

Stadt- und Kreissparkasse Erlangen Höchstadt Herzogenaurach operates as a German public savings bank (Sparkasse) offering a comprehensive retail banking platform. The core portfolio centers on the S-Girokonto (current account) as the foundational product, which integrates with Sparkassen-Card (debit) and Mastercard credit cards for payments. Digital banking is delivered through Online-Banking (browser) and App Sparkasse (mobile), with S-pushTAN-App for transaction authorization. The credit suite includes S-Baufinanzierung (mortgages), S-Privatkredit, S-Autokredit, and Sparkassen-Klimakredit. Savings products span S-Aktivsparen, S-Cash (Tagesgeld), S-Bonussparen, and Sparkassenbrief. Investment services operate through Sparkassen-Depot, DekaBank, S-Neo (beginner-friendly), and S-Invest App. Retirement planning encompasses BasisRente, Riester-Rente, Private Rentenversicherung, and the new state-subsidized Altersvorsorge (2027). Insurance products (PflegePRIVAT, Kfz, Hausrat, etc.), real estate services (S-ImmoPreisfinder), and LBS-Bausparen complete the offering. Security features include Geräteerkennung, 3-D Secure, and Kontowecker. Modern payment features include Wero instant transfers, Apple Pay, Multibanking, and Card Control.

Differentiator

Problem solved

Functional benefit

Brands

• App Sparkasse: Mobile banking application for smartphone and tablet users
• S-pushTAN-App
• Wero
• Card Control
• Online-Banking

Products and services

• Girokonto (S-Girokonto) Current account available in multiple variants: direkt GIRO (online-only), classic GIRO, and mein GIRO (with growing features for children). Base account for banking transactions, payments, and direct debits.
• Sparkassen-Card Debit card (formerly ec-Karte) for cash withdrawals at Sparkasse ATMs and payments. Includes Sparkassen-Card DMC with Mastercard Debit functionality. Supports Apple Pay and Google Pay.
• Mastercard Credit Cards Credit card portfolio including Mastercard Standard, Mastercard Gold, Mastercard Platinum, and Mastercard X-TENSION. Includes flexible repayment options.
• App Sparkasse Mobile banking app for smartphones and tablets. Supports account management, transfers, Wero payments, photo transfers, Multibanking, Card Control, and Dark Mode. Multi-award winning application.
• Online-Banking Browser-based banking platform with pushTAN and chipTAN authentication. Includes Elektronisches Postfach, financial planning tools, and device recognition for trusted devices.
• S-Baufinanzierung Mortgage and real estate financing products for property purchase, construction, and modernization. Includes KfW promotional loans.
• S-Privatkredit Personal loans for flexible financing needs. Also includes S-Privatkredit Plus and FlexiGeld revolving credit.
• S-Autokredit Specialized vehicle financing with competitive rates for new and used cars.
• Sparkassen-Klimakredit Eco-friendly loan product supporting climate-conscious investments and sustainable purchases.
• Sparen und Anlegen Savings and investment products including S-Aktivsparen (passbook savings), S-Cash (money market), S-Bonussparen (bonus savings), Sparkassenbrief (savings bonds), and Edelmetalle (precious metals).
• Wertpapiere und Börse Securities trading and investment services including Sparkassen-Depot, DekaBank Depot, S Broker DepotPlus, bevestor, and bevista robo-advisor. Offers ETFs, funds, certificates, and SmartVermögen digital wealth management.
• S-Neo Simple securities depot accessible via App Sparkasse. Designed for beginners with small amounts. Enables easy investing with low barriers to entry.
• Altersvorsorge Retirement planning products including BasisRente (Rürup), Riester-Rente, Private Rentenversicherung, JuniorRente, and state-subsidized options. Comprehensive pension advisory services.
• Frühstart-Rente Government-subsidized capital pension for children (ages 6-18). State contributes 10 EUR monthly to individual depot. Tax-free earnings until retirement.
• Versicherungen Insurance products including PflegePRIVAT, Reiseversicherung, Wohngebäude Vario, Rechtsschutz, Auslandsreise-Krankenversicherung, Kfz-Versicherung, Berufsunfähigkeitsversicherung, Haftpflicht, Hausrat, Unfallversicherung, and more.
• Immobilien Real estate services covering the entire lifecycle: selling (S-ImmoPreisfinder), searching (Immobilienportal), buying, building, financing, insuring, and modernizing properties. Includes new construction projects like Sunhill.
• LBS-Bausparen Building society savings with state subsidies. Combines home savings contracts with Wohn-Riester government grants and Vermögenswirksame Leistungen.
• Deka Investments Investment fund products through DekaBank including Deka-FondsSparplan, DekaBasisAnlage, Deka ETFs, and Deka-Vermögensverwaltung Premium. Also offers sustainable investment options.

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

AI capability3 records

Feature10 records

Partnerships

Six partnerships are on record, tiered core.

• DekaBank / Deka InvestmentscoreTechnology or IntegrationStrategic partnership for investment products distribution. Offers DekaBank depot services, Deka investment funds, Deka ETFs, certificates, and S-INVEST app integration. Provides comprehensive securities trading and investment management capabilities for customers.
• LBS Bausparkasse der SparkassencoreTechnology or IntegrationBuilding savings partnership offering LBS-Bausparen products with state subsidies, Wohn-Riester, VL-Sparen, and modernization loans. Integrated into comprehensive home ownership solutions.
• Versicherungskammer Bayern (VKB)coreTechnology or IntegrationInsurance partner providing proprietary insurance products including private pension insurance, Riester-Rente, and BasisRente (Rürup-Rente) sold through Sparkasse as bound insurance agent.
• Deutsche Rentenversicherung BundcoreTechnology or IntegrationIntegration partnership enabling Digitale Rentenübersicht (Digital Pension Overview) that allows customers to aggregate and analyze their statutory, occupational, and private pension claims in one place.
• Sparkassen-FinanzgruppecoreStrategic or Co-development PartnerMembership in the Sparkassen-Finanzgruppe, Germany's largest financial services network. Provides shared technology infrastructure, product development, brand, and operational support including DSGV dispute resolution services.
• European Payments Council / WerocoreTechnology or IntegrationParticipation in Wero instant payment standard, the European payment initiative for real-time money transfers across participating banks in Europe.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Sparkasse Nürnberg: Neighboring Bavarian Sparkasse in the same Sparkassen-Finanzgruppe, offering the same universal retail and corporate banking products to a contiguous customer base. Highly comparable in mandate, product mix, and digital infrastructure, making it the most direct regional competitor for customer share in the metropolitan region.
• Volksbank Raiffeisenbank Erlangen-Höchstadt-Herzogenaurach: Cooperative bank serving the exact same three-city region (Erlangen, Höchstadt, Herzogenaurach) under the Genossenschaftliche FinanzGruppe. Direct local competitor for retail accounts, mortgages, and SME banking with an alternative mutual ownership model.
• DKB (Deutsche Kreditbank): One of Germany's largest direct banks with a strong retail current account, brokerage, and mortgage offering. Comparable in retail focus and digital-first execution, but lacks the Sparkasse's branch advisory depth.
• ING Deutschland: Major direct bank competing for the same retail current account, savings, securities, and mortgage customers as the Sparkasse, with a strong digital UX. Highly relevant competitor for younger and digitally native customers in the Erlangen region.
• Targobank: German retail bank with current accounts, consumer credit, and securities offerings overlapping the Sparkasse's retail product set. Targets a similar mass-market customer profile with a branch-plus-digital hybrid model.

Regional players

• Sparkasse Bamberg: Another Bavarian Sparkasse in close geographic reach, offering the same universal banking suite under the Sparkassen-Finanzgruppe. Comparable in scale, product depth, and digital infrastructure, but operating in a non-overlapping territory.
• Sparkasse Fürth: Adjacent Bavarian Sparkasse with similar product portfolio and customer segments. Useful peer for benchmarking deposit, mortgage, and digital-channel KPIs in a comparable Mid-Franken market.

Broad incumbents

• HypoVereinsbank (UniCredit Bank GmbH): Large Bavarian-headquartered universal bank with retail, corporate, wealth, and real estate finance offerings. Competes for the same Mittelstand, mortgage, and wealth customers across Bavaria but operates nationally and internationally.
• Commerzbank: One of Germany's largest banks with full retail and corporate capabilities overlapping every product line of the Sparkasse. Relevant for benchmarking national scale and pricing in mortgage, deposit, and brokerage products.

Emerging players

• N26 Bank: Germany-headquartered digital-first challenger bank targeting retail current accounts and payments. Competes primarily for younger urban customers in Erlangen and adjacent tech-driven segments, posing a long-term threat to the Sparkasse's youth account (mein GIRO, KNAX) funnel.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookde-de.facebook.com/sparkasse.erlangen
• LinkedInde.linkedin.com/company/stadt-und-kreissparkasse-erlangen-h%C3%B6chstadt-herzogenaurach
• Instagraminstagram.com/sparkasse_erlangen

Compliance5 records

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 stadt- und kreissparkasse erlangen