Deutsche Retail Banking Markt Generative Engine Optimization (GEO) Report
Sparen & Einlagen Analysis
2,800
Prompts Analyzed
3
Sub-Segments
5
LLMs
The 'Sparen & Einlagen' segment is a cornerstone of the German retail banking landscape, providing essential tools for private households to manage their finances securely. It primarily serves individuals prioritizing capital preservation, liquidity, and predictable returns over higher-risk investments. Products like Tagesgeldkonten, Festgeldkonten, and Sparkonten are fundamental for short-term savings, emergency funds, and medium-term financial planning. Consumer behavior in this segment is often characterized by a strong preference for security and stability, influenced by historical financial prudence. The competitive environment is dynamic, with traditional banks, direct banks, and fintechs vying for market share through attractive interest rates, flexible terms, and user-friendly digital platforms. This segment remains crucial for basic wealth accumulation and financial resilience across all demographics.
Overall Ranking
Model:
Brand | Ranking | Visibility | Share of Voice | Sentiment |
|---|---|---|---|---|
 ING | #1 | 56% | 8% | 73% |
 Consorsbank | #2 | 46% | 5% | 80% |
 DKB | #3 | 42% | 6% | 74% |
 Commerzbank | #4 | 29% | 5% | 69% |
 Volkswagen Bank | #5 | 29% | 3% | 82% |
 Raisin | #6 | 25% | 2% | 88% |
 Comdirect | #7 | 23% | 4% | 85% |
 Bank of Scotland | #8 | 23% | 2% | 82% |
 Umweltbank | #9 | 23% | 2% | 85% |
 Volksbanken Raiffeisenbanken | #10 | 21% | 4% | 73% |
 Deutsche Bank | #11 | 21% | 3% | 68% |
 Sparkasse | #12 | 19% | 3% | 66% |
 1822direkt | #13 | 17% | 2% | 73% |
 Renault Bank | #14 | 17% | 2% | 70% |
 N26 | #15 | 15% | 2% | 80% |
 Santander | #16 | 15% | 2% | 64% |
 TF Bank | #17 | 15% | 1% | 84% |
 Bank11 | #18 | 15% | 1% | 84% |
 Bigbank | #19 | 10% | 1% | 83% |
 GEFA BANK | #20 | 10% | 0% | 80% |
 ING-DiBa | #21 | 8% | 1% | 86% |
 Trade Republic | #22 | 8% | 1% | 91% |
 norisbank GmbH | #23 | 8% | 1% | 88% |
 Postbank | #24 | 8% | 1% | 60% |
 SWK Bank | #25 | 8% | 1% | 81% |
 Creditplus Bank | #26 | 8% | 1% | 75% |
 Ayvens Bank | #27 | 8% | 0% | 83% |
 Wüstenrot | #28 | 8% | 0% | 89% |
 Frankfurter Sparkasse | #29 | 6% | 1% | 77% |
 Openbank | #30 | 6% | 1% | 86% |
 Revolut | #31 | 6% | 1% | 88% |
 WeltSparen | #32 | 6% | 1% | 71% |
 Suresse Direkt Bank | #33 | 6% | 1% | 84% |
 Targobank | #34 | 6% | 1% | 75% |
 Biallo | #35 | 6% | 0% | 72% |
 S-Direkt | #36 | 4% | 1% | 75% |
 Hanseatic Bank | #37 | 4% | 0% | 84% |
 Barclays | #38 | 4% | 0% | 71% |
 KfW | #39 | 2% | 0% | 85% |
 Volksbank Raiffeisenbank | #40 | 2% | 0% | 70% |
 S Broker | #41 | 2% | 0% | 70% |
 Vivid Money | #42 | 2% | 0% | 85% |
 bunq | #43 | 2% | 0% | 83% |
 C24 Bank | #44 | 2% | 0% | 55% |
 Landesbank Berlin | #45 | 2% | 0% | 75% |
 PSD Bank | #46 | 2% | 0% | 80% |
 FMH Finanzberatung | #47 | 2% | 0% | 70% |
 Volksbank | #48 | 2% | 0% | 30% |
The table below shows the domains and URLs most frequently cited by LLMs when generating responses about sparen & einlagen. These sources indicate where AI systems most often draw information.
Top Source Domains
Model:
Rank | Domain | Name | Used | Percentage | Sub Pages |
|---|---|---|---|---|---|
#1 | Finanztip | 76 | 44.44% | 13 | |
#2 | Handelsblatt | 49 | 33.33% | 12 | |
#3 | Welt | 45 | 33.33% | 19 | |
#4 | Computerbild | 44 | 25.93% | 9 | |
#5 | Web | 63 | 18.52% | 9 | |
#6 | N-tv | 19 | 14.81% | 5 | |
#7 | Finsinn | 26 | 14.81% | 4 | |
#8 | Biallo | 14 | 14.81% | 4 | |
#9 | Wiwo | 6 | 11.11% | 3 | |
#10 | Festgeldfinder | 5 | 11.11% | 3 | |
#11 | Vergleich | 7 | 11.11% | 3 | |
#12 | Verivox | 6 | 7.41% | 2 | |
#13 | Focus | 3 | 7.41% | 3 | |
#14 | Capitalo | 2 | 7.41% | 2 | |
#15 | Businessinsider | 13 | 7.41% | 2 |
Access segment domain sources
Top Source URLs
Model:
Rank | URL | Title | Used | Percentage |
|---|---|---|---|---|
#1 | Finanztip | 16 | 18.52% | |
#2 | N-tv | 18 | 14.81% | |
#3 | Finanztip | 29 | 14.81% | |
#4 | Handelsblatt | 19 | 14.81% | |
#5 | Handelsblatt | 17 | 14.81% | |
#6 | Festgeldfinder | 5 | 11.11% | |
#7 | Computerbild | 20 | 11.11% | |
#8 | Welt | 7 | 11.11% | |
#9 | Welt | 7 | 11.11% | |
#10 | Finsinn | 17 | 11.11% | |
#11 | Welt | 5 | 7.41% | |
#12 | Auszeichnungen | 23 | 7.41% | |
#13 | Web | 20 | 7.41% | |
#14 | Welt | 2 | 7.41% | |
#15 | Web | 17 | 7.41% |
Access segment URL sources
Festgeldkonto
Festgeldkonten are designed for individuals and businesses willing to commit their capital for a specific duration, typically ranging from a few months to several years. The primary appeal lies in guaranteed interest rates, providing predictable returns and protection against market volatility. This product targets savers with a medium-term financial horizon who prioritize security and fixed income over immediate liquidity. Consumer behavior indicates a strategic approach to savings, often used for specific financial goals like down payments or future large purchases. The competitive landscape sees banks differentiating through term lengths, interest rate tiers, and ease of account opening, with platforms like Raisin aggregating offers from various European banks.
Festgeldkonto - Overall Rankings
Model:
Brand | Ranking | Visibility | Share of Voice | Sentiment |
|---|---|---|---|---|
ING | #1 | 50% | 8% | 66% |
DKB | #2 | 44% | 7% | 67% |
Consorsbank | #3 | 44% | 5% | 73% |
Volkswagen Bank | #4 | 28% | 2% | 76% |
Raisin | #5 | 28% | 2% | 84% |
Bank11 | #6 | 28% | 2% | 83% |
Volksbanken Raiffeisenbanken | #7 | 22% | 4% | 79% |
Umweltbank | #8 | 22% | 2% | 88% |
SWK Bank | #9 | 22% | 2% | 81% |
Comdirect | #10 | 17% | 4% | 83% |
Santander | #11 | 17% | 3% | 68% |
Deutsche Bank | #12 | 17% | 2% | 70% |
Commerzbank | #13 | 17% | 2% | 68% |
Creditplus Bank | #14 | 17% | 2% | 72% |
Bank of Scotland | #15 | 17% | 1% | 73% |
Biallo | #16 | 17% | 1% | 72% |
Bigbank | #17 | 17% | 1% | 78% |
N26 | #18 | 11% | 2% | 68% |
WeltSparen | #19 | 11% | 2% | 69% |
Renault Bank | #20 | 11% | 1% | 63% |
Hanseatic Bank | #21 | 11% | 1% | 84% |
TF Bank | #22 | 11% | 1% | 75% |
GEFA BANK | #23 | 11% | 0% | 83% |
Wüstenrot | #24 | 11% | 0% | 90% |
Sparkasse | #25 | 6% | 1% | 70% |
KfW | #26 | 6% | 1% | 85% |
1822direkt | #27 | 6% | 1% | 50% |
Postbank | #28 | 6% | 0% | 75% |
Targobank | #29 | 6% | 0% | 75% |
FMH Finanzberatung | #30 | 6% | 0% | 70% |
PSD Bank | #31 | 6% | 0% | 80% |
Sparkonto / Sparbuch
Sparkonten and Sparbücher are traditional savings vehicles, deeply embedded in German financial culture, known for their high security and simplicity. While historically popular, their market share has been impacted by lower interest rates and the rise of more flexible products like Tagesgeldkonten. They primarily cater to risk-averse savers, including younger individuals learning to save or older generations accustomed to these traditional formats. Consumer behavior often reflects a preference for established, tangible savings methods, even if returns are modest. Competition in this segment is less about aggressive interest rates and more about brand trust, branch accessibility, and the perceived safety offered by established local banks.
Sparkonto / Sparbuch - Overall Rankings
Model:
Brand | Ranking | Visibility | Share of Voice | Sentiment |
|---|---|---|---|---|
Deutsche Bank | #1 | 64% | 10% | 67% |
Sparkasse | #2 | 64% | 9% | 68% |
ING | #3 | 55% | 6% | 78% |
Volksbanken Raiffeisenbanken | #4 | 45% | 9% | 66% |
Commerzbank | #5 | 45% | 7% | 76% |
DKB | #6 | 36% | 5% | 80% |
Bank of Scotland | #7 | 27% | 4% | 84% |
N26 | #8 | 27% | 3% | 80% |
Consorsbank | #9 | 27% | 2% | 77% |
S-Direkt | #10 | 18% | 4% | 75% |
Raisin | #11 | 18% | 3% | 91% |
Postbank | #12 | 18% | 3% | 53% |
norisbank GmbH | #13 | 18% | 2% | 89% |
Revolut | #14 | 18% | 2% | 85% |
Renault Bank | #15 | 18% | 2% | 73% |
Volkswagen Bank | #16 | 18% | 1% | 83% |
Bank11 | #17 | 18% | 1% | 88% |
Wüstenrot | #18 | 18% | 1% | 88% |
ING-DiBa | #19 | 9% | 2% | 85% |
Volksbank Raiffeisenbank | #20 | 9% | 1% | 70% |
1822direkt | #21 | 9% | 1% | 60% |
Vivid Money | #22 | 9% | 1% | 85% |
Comdirect | #23 | 9% | 1% | 80% |
Landesbank Berlin | #24 | 9% | 1% | 75% |
Umweltbank | #25 | 9% | 0% | 93% |
Creditplus Bank | #26 | 9% | 0% | 85% |
Volksbank | #27 | 9% | 0% | 30% |
Tagesgeldkonto
Tagesgeldkonten are highly popular for their flexibility, offering daily access to funds combined with competitive interest rates. They cater to consumers seeking a secure place for short-term savings, emergency reserves, or temporary parking of larger sums before investment. Market positioning emphasizes liquidity and ease of access, often featuring attractive introductory rates from direct banks and online platforms. Consumer behavior shows a strong preference for these accounts due to their low risk and immediate availability, making them a primary choice for managing fluctuating cash flows. Competition is intense, driven by interest rate comparisons and digital convenience, with providers like ING and Consorsbank being prominent players.
Tagesgeldkonto - Overall Rankings
Model:
Brand | Ranking | Visibility | Share of Voice | Sentiment |
|---|---|---|---|---|
ING | #1 | 63% | 8% | 75% |
Consorsbank | #2 | 58% | 7% | 87% |
DKB | #3 | 42% | 7% | 79% |
Comdirect | #4 | 37% | 6% | 86% |
Volkswagen Bank | #5 | 37% | 4% | 86% |
Commerzbank | #6 | 32% | 5% | 63% |
1822direkt | #7 | 32% | 4% | 80% |
Umweltbank | #8 | 32% | 3% | 83% |
TF Bank | #9 | 26% | 3% | 87% |
Raisin | #10 | 26% | 2% | 91% |
Bank of Scotland | #11 | 26% | 2% | 86% |
Trade Republic | #12 | 21% | 3% | 91% |
Renault Bank | #13 | 21% | 3% | 73% |
Santander | #14 | 21% | 2% | 61% |
Ayvens Bank | #15 | 21% | 1% | 83% |
ING-DiBa | #16 | 16% | 3% | 87% |
Frankfurter Sparkasse | #17 | 16% | 3% | 77% |
Openbank | #18 | 16% | 2% | 86% |
Suresse Direkt Bank | #19 | 16% | 2% | 84% |
GEFA BANK | #20 | 16% | 1% | 78% |
N26 | #21 | 11% | 2% | 93% |
Targobank | #22 | 11% | 1% | 75% |
Bigbank | #23 | 11% | 1% | 89% |
Barclays | #24 | 11% | 1% | 71% |
norisbank GmbH | #25 | 11% | 1% | 88% |
Revolut | #26 | 5% | 1% | 95% |
Volksbanken Raiffeisenbanken | #27 | 5% | 1% | 85% |
S Broker | #28 | 5% | 1% | 70% |
bunq | #29 | 5% | 1% | 83% |
C24 Bank | #30 | 5% | 0% | 55% |
Sparkasse | #31 | 5% | 0% | 50% |
WeltSparen | #32 | 5% | 0% | 75% |
Postbank | #33 | 5% | 0% | 60% |