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 is the cornerstone of retail banking in Germany, providing essential services for daily financial operations. It covers a broad spectrum of products designed to manage income, expenses, and payment transactions efficiently. This includes standard current accounts (Girokonten), which are fundamental for salary receipts, direct debits, and card payments, as well as joint accounts (Gemeinschaftskonten) for shared financial responsibilities. The market is characterized by intense competition, with established universal banks and agile digital players like DKB, ING, and N26 vying for customer loyalty through competitive fees, innovative digital features, and user-friendly interfaces. Consumer behavior is increasingly shifting towards mobile banking and instant payment solutions, driving banks to continuously enhance their digital offerings. The segment's importance lies in its role as the primary interface between customers and their financial institutions, influencing overall customer satisfaction and retention.
Overall Ranking
Model:
Brand | Ranking | Visibility | Share of Voice | Sentiment |
|---|---|---|---|---|
 DKB | #1 | 74% | 13% | 81% |
 N26 | #2 | 64% | 9% | 80% |
 ING | #3 | 56% | 8% | 80% |
 Comdirect | #4 | 54% | 8% | 81% |
 Commerzbank | #5 | 51% | 7% | 74% |
 Deutsche Bank | #6 | 38% | 6% | 75% |
 Sparkasse | #7 | 34% | 4% | 67% |
 C24 Bank | #8 | 24% | 3% | 92% |
 Revolut | #9 | 21% | 2% | 80% |
 Postbank | #10 | 16% | 2% | 66% |
 Trade Republic | #11 | 16% | 1% | 92% |
 Santander | #12 | 13% | 1% | 86% |
 Consorsbank | #13 | 13% | 1% | 81% |
 Volksbanken Raiffeisenbanken | #14 | 12% | 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% |
See all segment rankings
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, is designed for two or more individuals who wish to manage shared finances collectively. It is commonly used by couples, flatmates, or families to handle joint expenses such as rent, utilities, groceries, and household bills. All account holders typically have equal access and authorization rights, allowing for transparent and efficient shared financial management. Banks offer various models, including 'Und-Konten' (requiring all holders' signatures for transactions) and 'Oder-Konten' (allowing individual transactions). The product addresses the growing need for collaborative financial planning and simplifies shared budgeting.
Gemeinschaftskonto - Overall Rankings
Model:
Brand | Ranking | Visibility | Share of Voice | Sentiment |
|---|---|---|---|---|
DKB | #1 | 94% | 19% | 79% |
ING | #2 | 82% | 15% | 76% |
Comdirect | #3 | 76% | 15% | 78% |
N26 | #4 | 59% | 10% | 83% |
Commerzbank | #5 | 41% | 6% | 64% |
Volksbanken Raiffeisenbanken | #6 | 18% | 3% | 73% |
C24 Bank | #7 | 18% | 3% | 91% |
Sparkasse | #8 | 18% | 2% | 78% |
 1822direkt | #9 | 18% | 2% | 82% |
Revolut | #10 | 12% | 2% | 85% |
Geschäftskonto
The Geschäftskonto, or business account, is a specialized current account essential for self-employed individuals, freelancers, small and medium-sized enterprises (SMEs), and larger corporations. Its primary function is to strictly separate business financial transactions from private finances, which is crucial for accounting, tax purposes, and legal compliance. These accounts often come with features tailored to business needs, such as higher transaction limits, bulk payment options, integration with accounting software, and dedicated business banking services. Banks compete on fees, included transaction volumes, international payment capabilities, and specialized advisory services for business clients, recognizing the distinct requirements of commercial entities.
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% |
Girokonto
The Girokonto, or current account, is the most fundamental banking product for private individuals in Germany, serving as the central hub for all daily financial transactions. It enables the receipt of salaries, pensions, and other income, as well as the execution of transfers, standing orders, and direct debits for bill payments. Customers use associated debit or credit cards for cashless payments and cash withdrawals. The competitive landscape for Girokonten is fierce, with banks differentiating through fee structures, digital banking features, overdraft facilities, and customer service quality. Its ubiquity makes it a critical product for customer acquisition and retention.
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% |
Jugend- / Schüler- / Studentenkonto
These accounts are specifically tailored to meet the financial needs of young individuals, including minors, students, and apprentices. They typically feature reduced or waived monthly fees, attractive interest rates on balances, and often include a debit card for cashless payments. The primary goal is to introduce young customers to banking services, foster financial literacy, and establish early customer relationships. Banks often integrate educational tools or special offers to appeal to this demographic, aiming for long-term customer retention as their financial needs evolve. Parental control options are common for accounts held by minors.
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% |