Deutsche Retail Banking Markt Generative Engine Optimization (GEO) Report
Konten & Zahlungsverkehr Analysis
4,500
Prompts Analyzed
4
Sub-Segments
5
LLMs
The "Konten & Zahlungsverkehr" segment forms the bedrock of German retail banking, providing essential infrastructure for daily financial activities. It includes various current accounts tailored for individual, joint, and business needs. This segment is marked by high customer stickiness, as accounts are deeply integrated into personal and professional financial ecosystems. Competition is fierce, with traditional banks and digital challengers like DKB, ING, and N26 vying for market share through user-friendly interfaces, competitive fees, and innovative digital services. The market continuously evolves with advancements in mobile banking, instant payments, and personalized financial management tools. While often seen as a commoditized product, the quality of digital services, customer support, and seamless integration with other banking products significantly influences customer choice and loyalty. Effective positioning of offerings is crucial for banks to succeed in this foundational segment.
Overall Ranking
Model:
Brand | Ranking | Visibility | Share of Voice | Sentiment |
|---|---|---|---|---|
 DKB | #1 | 75% | 13% | 81% |
 N26 | #2 | 65% | 10% | 80% |
 ING | #3 | 57% | 9% | 80% |
 Comdirect | #4 | 55% | 8% | 81% |
 Commerzbank | #5 | 51% | 8% | 74% |
 Deutsche Bank | #6 | 39% | 6% | 75% |
 Sparkasse | #7 | 34% | 4% | 67% |
 C24 Bank | #8 | 24% | 3% | 92% |
 Revolut | #9 | 22% | 2% | 80% |
 Postbank | #10 | 16% | 2% | 66% |
 Trade Republic | #11 | 16% | 1% | 92% |
 Santander | #12 | 14% | 1% | 86% |
 Consorsbank | #13 | 14% | 1% | 81% |
 Volksbanken Raiffeisenbanken | #14 | 13% | 2% | 75% |
 bunq | #15 | 11% | 1% | 79% |
 BBBank | #16 | 11% | 1% | 86% |
 Vivid Money | #17 | 10% | 1% | 86% |
 HypoVereinsbank | #18 | 10% | 1% | 75% |
 Finom | #19 | 9% | 1% | 87% |
 Fyrst | #20 | 9% | 1% | 73% |
 norisbank GmbH | #21 | 9% | 1% | 83% |
 Qonto | #22 | 8% | 1% | 81% |
 Targobank | #23 | 8% | 0% | 75% |
 Openbank | #24 | 8% | 0% | 88% |
 FMH Finanzberatung | #25 | 8% | 0% | 61% |
 1822direkt | #26 | 7% | 1% | 81% |
 Volksbank Raiffeisenbank | #27 | 6% | 1% | 76% |
 Volksbank | #28 | 6% | 1% | 61% |
 S-Direkt | #29 | 5% | 1% | 86% |
 GLS Bank | #30 | 3% | 0% | 63% |
 ING-DiBa | #31 | 2% | 1% | 88% |
 Sparda-Bank | #32 | 2% | 0% | 90% |
 Volksbanken | #33 | 2% | 0% | 78% |
 HSBC | #34 | 2% | 0% | 78% |
 EthikBank | #35 | 2% | 0% | 65% |
 Landesbank Berlin | #36 | 2% | 0% | 85% |
 BNP Paribas | #37 | 1% | 0% | 75% |
 Barclays | #38 | 1% | 0% | 75% |
 UniCredit | #39 | 1% | 0% | 70% |
 Skatbank | #40 | 1% | 0% | 70% |
 BW-Bank | #41 | 1% | 0% | 95% |
 Sparda-Bank Hamburg | #42 | 1% | 0% | 90% |
 justETF | #43 | 1% | 0% | 50% |
The table below shows the domains and URLs most frequently cited by LLMs when generating responses about konten & zahlungsverkehr. These sources indicate where AI systems most often draw information.
Top Source Domains
Model:
Rank | Domain | Name | Used | Percentage | Sub Pages |
|---|---|---|---|---|---|
#1 | Fmh | 109 | 41.18% | 14 | |
#2 | Computerbild | 104 | 41.18% | 19 | |
#3 | Ftd | 59 | 35.29% | 13 | |
#4 | Faz | 46 | 23.53% | 8 | |
#5 | Finsinn | 38 | 23.53% | 8 | |
#6 | Bild | 12 | 20.59% | 7 | |
#7 | Test | 20 | 20.59% | 11 | |
#8 | Gironkonto-check | 82 | 14.71% | 5 | |
#9 | Bundesfinanzministerium | 8 | 11.76% | 4 | |
#10 | Welt | 10 | 11.76% | 4 | |
#11 | Vivid | 18 | 11.76% | 5 | |
#12 | Fuer-grunder | 43 | 11.76% | 6 | |
#13 | Bankdaten | 61 | 11.76% | 4 | |
#14 | Fuer-gruender | 35 | 11.76% | 6 | |
#15 | Easybill | 12 | 8.82% | 3 |
Access segment domain sources
Top Source URLs
Model:
Rank | URL | Title | Used | Percentage |
|---|---|---|---|---|
#1 | Fmh | 83 | 26.47% | |
#2 | Ftd | 29 | 26.47% | |
#3 | Computerbild | 49 | 20.59% | |
#4 | Finsinn | 26 | 14.71% | |
#5 | Test | 5 | 11.76% | |
#6 | Faz | 19 | 11.76% | |
#7 | Bundesfinanzministerium | 8 | 11.76% | |
#8 | Fuer-grunder | 24 | 11.76% | |
#9 | Bild | 3 | 8.82% | |
#10 | Test | 4 | 8.82% | |
#11 | Welt | 8 | 8.82% | |
#12 | Vivid | 10 | 8.82% | |
#13 | Computerbild | 7 | 8.82% | |
#14 | Fuer-gruender | 27 | 8.82% | |
#15 | Easybill | 12 | 8.82% |
Access segment URL sources
Gemeinschaftskonto
A Gemeinschaftskonto, or joint account, allows two or more individuals to manage their finances collectively. It is commonly used by couples, families, or shared households to handle joint expenses, income, and savings. All account holders typically have equal access and responsibility, simplifying budgeting and financial transparency for shared goals. Banks offer various features, including separate debit cards and online banking access for each owner. This product addresses the need for collaborative financial management, fostering convenience and shared oversight.
Gemeinschaftskonto - Overall Rankings
Model:
Brand | Ranking | Visibility | Share of Voice | Sentiment |
|---|---|---|---|---|
DKB | #1 | 100% | 20% | 79% |
ING | #2 | 88% | 16% | 76% |
Comdirect | #3 | 81% | 16% | 78% |
N26 | #4 | 63% | 11% | 83% |
Commerzbank | #5 | 44% | 6% | 64% |
Volksbanken Raiffeisenbanken | #6 | 19% | 4% | 73% |
C24 Bank | #7 | 19% | 3% | 91% |
Sparkasse | #8 | 19% | 2% | 78% |
1822direkt | #9 | 19% | 2% | 82% |
Revolut | #10 | 13% | 3% | 85% |
Postbank | #11 | 13% | 2% | 50% |
Deutsche Bank | #12 | 13% | 2% | 68% |
Sparda-Bank | #13 | 6% | 1% | 90% |
ING-DiBa | #14 | 6% | 1% | 95% |
bunq | #15 | 6% | 1% | 60% |
norisbank GmbH | #16 | 6% | 0% | 90% |
Santander | #17 | 6% | 0% | 90% |
Consorsbank | #18 | 6% | 0% | 89% |
Geschäftskonto
A Geschäftskonto is a mandatory or highly recommended banking product for self-employed individuals, freelancers, and businesses in Germany. It serves to strictly separate business transactions from private finances, which is crucial for accounting, tax purposes, and legal compliance. These accounts often come with specialized services such as bulk payment processing, integration with accounting software, and dedicated business credit cards. Providers like DKB and ING offer tailored solutions, recognizing the distinct operational needs of commercial clients. The choice of a Geschäftskonto impacts a business's efficiency and financial clarity.
Geschäftskonto - Overall Rankings
Model:
Brand | Ranking | Visibility | Share of Voice | Sentiment |
|---|---|---|---|---|
N26 | #1 | 88% | 14% | 76% |
Commerzbank | #2 | 79% | 12% | 76% |
Deutsche Bank | #3 | 75% | 11% | 75% |
Vivid Money | #4 | 38% | 4% | 86% |
Finom | #5 | 33% | 3% | 87% |
Fyrst | #6 | 33% | 2% | 73% |
Sparkasse | #7 | 29% | 4% | 73% |
DKB | #8 | 29% | 4% | 76% |
Revolut | #9 | 29% | 3% | 76% |
Qonto | #10 | 29% | 2% | 81% |
HypoVereinsbank | #11 | 25% | 2% | 74% |
Postbank | #12 | 21% | 1% | 64% |
bunq | #13 | 21% | 1% | 78% |
Volksbank Raiffeisenbank | #14 | 13% | 2% | 75% |
GLS Bank | #15 | 13% | 1% | 63% |
Targobank | #16 | 13% | 1% | 73% |
ING | #17 | 8% | 1% | 85% |
HSBC | #18 | 8% | 1% | 78% |
Volksbank | #19 | 8% | 1% | 60% |
EthikBank | #20 | 8% | 0% | 65% |
Comdirect | #21 | 4% | 1% | 65% |
Volksbanken Raiffeisenbanken | #22 | 4% | 1% | 85% |
S-Direkt | #23 | 4% | 1% | 85% |
BNP Paribas | #24 | 4% | 1% | 75% |
Barclays | #25 | 4% | 1% | 75% |
UniCredit | #26 | 4% | 1% | 70% |
Volksbanken | #27 | 4% | 0% | 70% |
Skatbank | #28 | 4% | 0% | 70% |
C24 Bank | #29 | 4% | 0% | 75% |
norisbank GmbH | #30 | 4% | 0% | 65% |
Girokonto
The Girokonto is the most ubiquitous and essential banking product for private individuals in Germany, serving as the primary account for all daily financial transactions. It facilitates salary receipts, rent payments, utility direct debits, and everyday purchases via debit cards or online transfers. While basic functionality is standardized, banks differentiate through fee structures, digital banking features, customer service quality, and integration with other financial products. Digital-first banks like N26 and ING have gained significant market share by offering competitive conditions and superior mobile banking experiences. The Girokonto remains central to a customer's financial life, influencing their overall banking relationship.
Girokonto - Overall Rankings
Model:
Brand | Ranking | Visibility | Share of Voice | Sentiment |
|---|---|---|---|---|
DKB | #1 | 93% | 13% | 81% |
Comdirect | #2 | 74% | 9% | 81% |
ING | #3 | 74% | 9% | 79% |
N26 | #4 | 56% | 7% | 82% |
C24 Bank | #5 | 52% | 7% | 94% |
Trade Republic | #6 | 48% | 4% | 93% |
Sparkasse | #7 | 41% | 5% | 52% |
Consorsbank | #8 | 37% | 3% | 79% |
Commerzbank | #9 | 33% | 4% | 69% |
Santander | #10 | 33% | 3% | 85% |
Revolut | #11 | 22% | 2% | 82% |
BBBank | #12 | 22% | 1% | 83% |
norisbank GmbH | #13 | 22% | 1% | 85% |
Openbank | #14 | 22% | 1% | 88% |
Deutsche Bank | #15 | 19% | 3% | 72% |
FMH Finanzberatung | #16 | 19% | 1% | 56% |
bunq | #17 | 11% | 1% | 82% |
1822direkt | #18 | 11% | 1% | 81% |
Postbank | #19 | 11% | 0% | 57% |
Volksbanken Raiffeisenbanken | #20 | 7% | 1% | 53% |
Targobank | #21 | 7% | 0% | 60% |
ING-DiBa | #22 | 4% | 1% | 80% |
Volksbank Raiffeisenbank | #23 | 4% | 1% | 75% |
Volksbank | #24 | 4% | 0% | 85% |
HypoVereinsbank | #25 | 4% | 0% | 85% |
S-Direkt | #26 | 4% | 0% | 90% |
Sparda-Bank Hamburg | #27 | 4% | 0% | 90% |
justETF | #28 | 4% | 0% | 50% |
Jugend- / Schüler- / Studentenkonto
These specialized accounts cater to young demographics, including children, pupils, and students, offering age-appropriate financial tools. They typically feature no monthly fees, attractive interest rates on small balances, and often include a debit card with spending limits for financial education and safety. Parental control options are common for younger users, while student accounts may offer overdraft facilities or discounts. Banks aim to cultivate long-term customer relationships by providing accessible and beneficial entry-level banking experiences. These products are vital for fostering financial literacy from an early age.
Jugend- / Schüler- / Studentenkonto - Overall Rankings
Model:
Brand | Ranking | Visibility | Share of Voice | Sentiment |
|---|---|---|---|---|
DKB | #1 | 86% | 17% | 86% |
ING | #2 | 67% | 11% | 84% |
Comdirect | #3 | 67% | 10% | 86% |
N26 | #4 | 52% | 7% | 80% |
Commerzbank | #5 | 48% | 8% | 79% |
Deutsche Bank | #6 | 43% | 7% | 76% |
Sparkasse | #7 | 43% | 6% | 75% |
Volksbanken Raiffeisenbanken | #8 | 24% | 4% | 84% |
Postbank | #9 | 19% | 3% | 85% |
Revolut | #10 | 19% | 2% | 81% |
BBBank | #11 | 19% | 2% | 90% |
C24 Bank | #12 | 14% | 1% | 91% |
S-Direkt | #13 | 10% | 2% | 85% |
Volksbank | #14 | 10% | 2% | 50% |
HypoVereinsbank | #15 | 10% | 1% | 73% |
Santander | #16 | 10% | 1% | 88% |
Targobank | #17 | 10% | 1% | 91% |
Landesbank Berlin | #18 | 10% | 0% | 85% |
FMH Finanzberatung | #19 | 10% | 0% | 75% |
Volksbanken | #20 | 5% | 1% | 85% |
Volksbank Raiffeisenbank | #21 | 5% | 1% | 80% |
bunq | #22 | 5% | 1% | 94% |
Sparda-Bank | #23 | 5% | 1% | 90% |
BW-Bank | #24 | 5% | 0% | 95% |
Consorsbank | #25 | 5% | 0% | 92% |
Openbank | #26 | 5% | 0% | 92% |
Trade Republic | #27 | 5% | 0% | 90% |