Deutsche Retail Banking Markt Generative Engine Optimization (GEO) Report
Karten & Kartenzahlungen Analysis
2,000
Prompts Analyzed
2
Sub-Segments
5
LLMs
The "Karten & Kartenzahlungen" segment is a cornerstone of the German retail banking market, reflecting the ongoing shift towards cashless transactions. It covers the entire spectrum of card-based payment solutions, from traditional debit and credit cards to innovative digital integrations. Consumer behavior in this segment is increasingly driven by convenience, security, and the perceived value of loyalty programs or travel benefits. Providers compete intensely on fee structures, global acceptance, and the breadth of supplementary services, such as insurance or cashback offers. The market sees strong competition from established universal banks, specialized credit card issuers, and challenger banks like DKB and N26, which often leverage digital-first approaches. Understanding the dynamics of card usage, transaction volumes, and technological advancements is crucial for strategic positioning within this vital financial sector.
Overall Ranking
Model:
Brand | Ranking | Visibility | Share of Voice | Sentiment |
|---|---|---|---|---|
 DKB | #1 | 81% | 15% | 80% |
 ING | #2 | 56% | 8% | 79% |
 N26 | #3 | 56% | 8% | 79% |
 Comdirect | #4 | 39% | 6% | 81% |
 Deutsche Bank | #5 | 36% | 5% | 73% |
 Commerzbank | #6 | 36% | 5% | 73% |
 Revolut | #7 | 31% | 5% | 80% |
 Sparkasse | #8 | 22% | 3% | 76% |
 Santander | #9 | 17% | 4% | 78% |
 Volksbanken Raiffeisenbanken | #10 | 17% | 3% | 71% |
 Barclays | #11 | 14% | 2% | 77% |
 Hanseatic Bank | #12 | 11% | 2% | 93% |
 bunq | #13 | 11% | 2% | 79% |
 C24 Bank | #14 | 8% | 2% | 92% |
 ING-DiBa | #15 | 8% | 1% | 78% |
 Girocard | #16 | 8% | 1% | 82% |
 S-Direkt | #17 | 8% | 1% | 62% |
 Postbank | #18 | 8% | 1% | 67% |
 Trade Republic | #19 | 8% | 1% | 93% |
 norisbank GmbH | #20 | 6% | 1% | 83% |
See all segment rankings
The table below shows the domains and URLs most frequently cited by LLMs when generating responses about karten & kartenzahlungen. These sources indicate where AI systems most often draw information.
Top Source Domains
Model:
Rank | Domain | Name | Used | Percentage | Sub Pages |
|---|---|---|---|---|---|
#1 | Faz | 27 | 50% | 4 | |
#2 | Handelsblatt | 21 | 37.5% | 3 | |
#3 | Netkredit24 | 12 | 25% | 2 | |
#4 | Capital-creator | 11 | 25% | 2 | |
#5 | Chip | 5 | 25% | 2 | |
#6 | Bild | 11 | 25% | 3 | |
#7 | Finanzfluss | 15 | 25% | 2 | |
#8 | Gironkonto-check | 19 | 25% | 2 | |
#9 | Ftd | 12 | 25% | 2 | |
#10 | Wikipedia | 5 | 25% | 2 | |
#11 | Computerbild | 27 | 25% | 3 | |
#12 | Kreditkarten-blogger | 9 | 12.5% | 1 | |
#13 | Inside-digital | 9 | 12.5% | 1 | |
#14 | De | 9 | 12.5% | 1 | |
#15 | Secupay | 6 | 12.5% | 1 |
Access segment domain sources
Top Source URLs
Model:
Rank | URL | Title | Used | Percentage |
|---|---|---|---|---|
#1 | Faz | 18 | 25% | |
#2 | Finanzfluss | 15 | 25% | |
#3 | Netkredit24 | 12 | 25% | |
#4 | Capital-creator | 11 | 25% | |
#5 | Handelsblatt | 12 | 25% | |
#6 | Welt | 3 | 12.5% | |
#7 | Kreditkarte | 8 | 12.5% | |
#8 | Faz | 3 | 12.5% | |
#9 | Ftd | 9 | 12.5% | |
#10 | Worldline | 2 | 12.5% | |
#11 | Computerbild | 12 | 12.5% | |
#12 | Mobilebanking | 3 | 12.5% | |
#13 | Kreditkarten-blogger | 9 | 12.5% | |
#14 | Adac | 6 | 12.5% | |
#15 | Mobilebanking | 1 | 12.5% |
Access segment URL sources
Debitkarten
Debitkarten are fundamental to daily financial transactions in the German retail banking sector, directly linking payments to the user's current account balance. This immediate settlement mechanism provides clear financial control, appealing to consumers who prefer to avoid credit. Widely accepted at points of sale and ATMs, they are the most common card type for routine purchases and cash access. The market is characterized by high penetration, with nearly every bank account holder possessing at least one debit card. Competition among providers, including digital banks like N26, often centers on low or no annual fees, seamless integration with mobile payment solutions, and the availability of free cash withdrawals, driving innovation in user experience and digital features.
Debitkarten - Overall Rankings
Model:
Brand | Ranking | Visibility | Share of Voice | Sentiment |
|---|---|---|---|---|
DKB | #1 | 85% | 16% | 80% |
N26 | #2 | 70% | 10% | 78% |
ING | #3 | 65% | 9% | 78% |
Comdirect | #4 | 50% | 8% | 79% |
Revolut | #5 | 45% | 7% | 78% |
Deutsche Bank | #6 | 35% | 5% | 74% |
Commerzbank | #7 | 35% | 5% | 73% |
Sparkasse | #8 | 20% | 3% | 76% |
Volksbanken Raiffeisenbanken | #9 | 20% | 3% | 71% |
C24 Bank | #10 | 15% | 3% | 92% |
Kreditkarten
Kreditkarten occupy a premium position within the payment landscape, offering consumers financial flexibility through a pre-approved credit limit. Transactions are typically collected over a billing cycle and settled at a later date, providing a short-term interest-free loan. Beyond their core payment function, these cards are highly differentiated by an array of value-added services, including comprehensive travel insurance, cashback programs, extended warranties, and access to airport lounges. Providers like Hanseatic Bank compete by tailoring these benefits to specific consumer segments, from frequent travelers to online shoppers. The competitive intensity is high, focusing on interest rates, annual fees, and the perceived value of the bundled services, influencing consumer choice and market share.
Kreditkarten - Overall Rankings
Model:
Brand | Ranking | Visibility | Share of Voice | Sentiment |
|---|---|---|---|---|
DKB | #1 | 75% | 14% | 80% |
ING | #2 | 44% | 8% | 80% |
N26 | #3 | 38% | 7% | 82% |
Deutsche Bank | #4 | 38% | 6% | 73% |
Commerzbank | #5 | 38% | 6% | 73% |
Barclays | #6 | 31% | 4% | 77% |
Santander | #7 | 25% | 6% | 79% |
Comdirect | #8 | 25% | 4% | 88% |
Hanseatic Bank | #9 | 25% | 4% | 93% |
Sparkasse | #10 | 25% | 4% | 76% |