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 forms the bedrock of personal finance within the German retail banking market, offering essential products for capital preservation and liquidity management. It primarily includes Tagesgeldkonten (call money accounts), Festgeldkonten (fixed-term deposits), and traditional Sparkonten/Sparbücher (savings accounts). These products are characterized by their high security, often protected by deposit guarantee schemes, and their role in providing a safe haven for funds. Consumers utilize these accounts for various purposes, from building emergency reserves and managing daily finances to accumulating capital for future goals with minimal risk. While interest rates have historically been low, recent market shifts have seen a resurgence in their attractiveness, particularly for Festgeld and Tagesgeld. The competitive landscape is dynamic, with established banks and challenger brands like Raisin, Consorsbank, and ING vying for customer deposits through competitive rates and digital convenience. Understanding the nuances of each product is crucial for consumers to optimize their savings strategies in a fluctuating economic environment.
Overall Ranking
Model:
Brand | Ranking | Visibility | Share of Voice | Sentiment |
|---|---|---|---|---|
 ING | #1 | 54% | 8% | 73% |
 Consorsbank | #2 | 44% | 5% | 80% |
 DKB | #3 | 40% | 6% | 74% |
 Commerzbank | #4 | 28% | 5% | 69% |
 Volkswagen Bank | #5 | 28% | 3% | 82% |
 Raisin | #6 | 24% | 2% | 88% |
 Comdirect | #7 | 22% | 4% | 85% |
 Klarna | #8 | 22% | 3% | 83% |
 Bank of Scotland | #9 | 22% | 2% | 82% |
 Umweltbank | #10 | 22% | 2% | 85% |
 Volksbanken Raiffeisenbanken | #11 | 20% | 4% | 73% |
 Deutsche Bank | #12 | 20% | 3% | 68% |
 Sparkasse | #13 | 18% | 2% | 66% |
 1822direkt | #14 | 16% | 2% | 73% |
 Renault Bank | #15 | 16% | 2% | 70% |
 N26 | #16 | 14% | 2% | 80% |
 Santander | #17 | 14% | 2% | 64% |
 TF Bank | #18 | 14% | 1% | 84% |
 Bank11 | #19 | 14% | 1% | 84% |
 Verivox | #20 | 12% | 2% | 77% |
See all segment rankings
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 | Capitalo | 2 | 7.41% | |
#15 | Handelsblatt | 9 | 7.41% |
Access segment URL sources
Festgeldkonto
Festgeldkonten, or fixed-term deposits, are savings products where capital is invested for a predefined period, ranging from a few months to several years, at a guaranteed interest rate. This fixed rate provides certainty of return, making them suitable for savers who do not require immediate access to their funds during the agreed term. The interest rates offered are generally higher than those for Tagesgeldkonten, reflecting the reduced liquidity. Early withdrawal is typically not possible or incurs significant penalties, emphasizing the commitment required from the saver. Festgeld accounts are popular for medium-term savings goals, such as down payments for property or future large purchases, offering a secure and predictable growth path for capital.
Festgeldkonto - Overall Rankings
Model:
Brand | Ranking | Visibility | Share of Voice | Sentiment |
|---|---|---|---|---|
ING | #1 | 47% | 8% | 66% |
Klarna | #2 | 42% | 8% | 85% |
DKB | #3 | 42% | 7% | 67% |
Consorsbank | #4 | 42% | 5% | 73% |
Volkswagen Bank | #5 | 26% | 2% | 76% |
Raisin | #6 | 26% | 2% | 84% |
 Handelsblatt | #7 | 26% | 2% | 60% |
Bank11 | #8 | 26% | 2% | 83% |
Volksbanken Raiffeisenbanken | #9 | 21% | 4% | 79% |
Verivox | #10 | 21% | 3% | 71% |
Sparkonto / Sparbuch
Sparkonten and the classic Sparbuch are among the oldest and most recognized savings products in Germany, embodying security and simplicity. These accounts typically feature a basic interest rate, often lower than those found on Tagesgeld or Festgeld, and may include notice periods for withdrawals exceeding a certain amount. Historically, the Sparbuch was a physical document, though many banks now offer digital versions. They are primarily used for long-term, low-risk savings, often for children or as a very conservative component of a broader financial strategy. Despite evolving market dynamics and the rise of more flexible products, Sparkonten remain a popular choice for consumers prioritizing absolute security and straightforward savings.
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% |
Tagesgeldkonto
Tagesgeldkonten, or call money accounts, are highly flexible savings products characterized by daily availability of funds without any notice period. They offer variable interest rates, which can fluctuate with market conditions, making them attractive during periods of rising rates. Primarily used for short-term liquidity management, emergency funds, or as an interim parking spot for capital before a larger investment, these accounts combine security with accessibility. While typically offering lower interest rates than fixed-term deposits, their immediate availability is a significant advantage for consumers. Competition among providers, including digital banks and established institutions, often leads to attractive introductory offers and competitive standard rates.
Tagesgeldkonto - Overall Rankings
Model:
Brand | Ranking | Visibility | Share of Voice | Sentiment |
|---|---|---|---|---|
ING | #1 | 60% | 8% | 75% |
Consorsbank | #2 | 55% | 7% | 87% |
DKB | #3 | 40% | 6% | 79% |
Comdirect | #4 | 35% | 6% | 86% |
Volkswagen Bank | #5 | 35% | 4% | 86% |
Commerzbank | #6 | 30% | 5% | 63% |
1822direkt | #7 | 30% | 4% | 80% |
Umweltbank | #8 | 30% | 3% | 83% |
TF Bank | #9 | 25% | 3% | 87% |
Raisin | #10 | 25% | 2% | 91% |