BKM

What BKM does

BKM (Bausparkasse Mainz Aktiengesellschaft) is a German building society founded in 1930 and headquartered in Mainz, Germany. The company provides a full suite of housing-related financial products to German consumers, including building savings contracts (Bausparverträge), building society loans (Bauspardarlehen), construction financing (Baufinanzierung), modernization loans, follow-up financing (Anschlussfinanzierung), and investment products such as Tagesgeld, Festgeld, Sparbrief, Zuwachssparen, and ZinsPlus. Its primary customer segments are individual homebuyers, existing property owners undertaking modernization or energy-efficiency upgrades, and real estate investors. The company facilitates access to German government housing subsidies (Wohnungsbauprömie, Arbeitnehmersparzulage) and serves customers via a combination of an advisor network (Berater:in) and digital self-service through the meineBKM customer portal, the finCRM financing platform, and online calculators for financial planning.

BKM generates revenue primarily through net interest spread on savings and mortgage products, supplemented by fees on investment accounts and complementary real estate services delivered through its wholly-owned subsidiary BKM ImmobilienService GmbH. The company is regulated by the Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) under the Bausparkassengesetz and holds a 2025 Moody's top credit rating. Distribution combines direct advisory sales, an integrated Immowelt property-listing widget, and presence across major social platforms (Facebook, Instagram, TikTok, YouTube, LinkedIn, XING, Kununu). Recognition includes 10 consecutive years as "Fairste Bausparkasse," Bester Bauspar-Tarif 2025, FOCUS MONEY highest customer satisfaction, and Kununu Top Company 2025/2026.

Name

BKM

Legal name

Bausparkasse Mainz Aktiengesellschaft

Website

https://bkm.de

Company type

Private

Founded year

1930

Operating status

Operating

Headcount range

51–100 employees

Short description

BKM (Bausparkasse Mainz) is a German building society offering building savings contracts, mortgages, and investment products to German consumers seeking to purchase, build, or renovate residential property. It distributes through direct advisors and digital self-service channels and is regulated by BaFin.

Ownership category

akta.pro rank

Headquarters

HQ city

Mainz

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others

Revenue model

1. Bausparprodukte (Building Savings Products): Core revenue from Bausparverträge (building savings contracts) combining savings phases with favorable loan phases for housing finance. Revenue generated through spread between savings interest and loan interest rates, supplemented by government subsidies.
2. Baufinanzierung (Construction Financing): Mortgage and construction loans provided to customers for purchasing, building, or renovating properties. Revenue generated from interest on loans.
3. Geldanlage (Investment Products): Savings products including Tagesgeld (daily savings), Festgeld (fixed-term deposits), Sparbrief (savings bonds), Entnahmeplan/Auszahlplan (withdrawal plans), and Zuwachssparen (growth savings). Revenue from interest spread and account management fees.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

BKM (Bausparkasse Mainz AG) is a German building society that issues Bausparverträge (building savings contracts) and provides mortgage and construction financing to individual customers in Germany. The company combines savings and loan products with access to government housing subsidies (Wohnungsbauprämie, Arbeitnehmersparzulage) and complements its financial offerings with real estate services through its wholly-owned BKM ImmobilienService GmbH subsidiary. Distribution combines a network of personal advisors with the meineBKM online portal for digital self-service.

Product overview

Bausparkasse Mainz AG operates as a building society (Bausparkasse) offering a comprehensive suite of savings, financing, and investment products centered on real estate finance. The core product portfolio consists of building savings contracts (Bausparvertrag) with associated loans (Bauspardarlehen), construction financing (Baufinanzierung), and follow-up financing solutions. The company also provides a full range of investment products including daily deposits (Tagesgeld), fixed-term deposits (Festgeld), savings bonds (Sparbrief), and specialized savings plans (Zuwachssparen, Topzins mit Nachrangabrede). Digital services include the meineBKM customer portal for account management, online financial planning calculators, and the smc.bkm.de secure document transfer platform. A subsidiary (BKM ImmobilienService GmbH) extends the offering with real estate services. The company connects customers with government subsidies including the Wohnungsbauprämie and Arbeitnehmersparzulage.

Differentiator

Problem solved

Functional benefit

Products and services

• Bausparvertrag (Building Savings Contract) A contractual savings product allowing German customers to save towards a home purchase goal with guaranteed interest rates and access to favorable Bauspardarlehen upon completion of the savings phase. The product integrates German government housing subsidies (Wohnungsbauprämie, Arbeitnehmersparzulage).
• Bauspardarlehen (Building Society Loan) Low-interest loan available to customers who have completed their building savings contract (Bausparvertrag), used to finance home purchases, new construction, or renovations.
• Baufinanzierung (Construction Financing) Comprehensive mortgage and real estate financing solutions combining customer equity with borrowed capital for purchasing or building property in Germany.
• Darlehensformen (Loan Types) A range of loan structures and financing arrangements tailored to individual customer needs for real estate acquisition and development.
• Modernisierungsdarlehen (Modernization / Renovation Financing) Financing solutions for energy-efficient upgrades, renovations, and modernization projects on existing residential properties.
• Anschlussfinanzierung (Follow-up Financing) Refinancing solutions for customers whose initial construction loan period is ending, providing a transition from previous financing arrangements.
• Tagesgeld (Daily Deposit) Flexible daily deposit account with variable interest rates and immediate access to funds.
• Festgeld (Fixed-Term Deposit) Time deposit product with guaranteed fixed interest rates over predetermined investment periods.
• Sparbrief (Savings Bond) Fixed-interest savings bond with guaranteed returns over a defined maturity period.
• Zuwachssparen (Growth Savings) Tiered-interest savings product where interest rates increase over the savings period.
• Topzins mit Nachrangabrede (Top Interest with Subordination Agreement) Higher-yielding fixed-term deposit with a subordination agreement, offering enhanced returns in exchange for increased risk.
• Auszahlplan / Entnahmeplan (Withdrawal Plan) Systematic withdrawal plan allowing regular payouts from accumulated savings over a defined period.
• BKM ImmobilienService GmbH (Real Estate Services) Wholly-owned subsidiary providing property search assistance and related real estate services, complementing BKM's financial offerings with property transaction support.
• meineBKM Online Customer Portal Secure online customer portal providing registered customers 24/7 access for account management, balance viewing, transactions, and service functions such as withdrawals from money market accounts.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature4 records

Partnerships

13 partnerships are on record, tiered core, supporting and major.

• BKM ImmobilienService GmbHcoreStrategic or Co-development PartnerWholly-owned subsidiary of Bausparkasse Mainz AG providing real estate services including property search assistance and transaction support. Located at Kantstraße 1, 55122 Mainz. Registered as HRB Nr. 318. Vertreten by Jörg Baaske and Tim Nothaft (previously Daniel Kemter and Björn Licht per older source).
• fincrm GmbHsupportingTechnology or IntegrationTechnology partner providing the finCRM customer platform used for customer relationship management and financing processes. Located at Aachener Str. 376, 50933 Köln. Provides infrastructure for the customer platform including server hosting (EU-only) and data processing.
• Brevo (ex Sendinblue) GmbHsupportingTechnology or IntegrationNewsletter service provider used for email marketing campaigns. Provider is Brevo GmbH, Köpenicker Str. 126, 10179 Berlin, Germany. Used for sending regular newsletters with offers, tips, and updates.
• Matomo (InnoCraft Ltd.)supportingTechnology or IntegrationOpen-source web analytics platform used for website usage analysis. Provider is InnoCraft Ltd., 150 Willis St, 6011 Wellington, New Zealand. Hosted via Matomo Cloud. IP anonymization is enabled.
• Bunny.net (BunnyWay d.o.o.)supportingTechnology or IntegrationContent Delivery Network (CDN) and video streaming service used to deliver video content on the website. Provider is BunnyWay d.o.o., Dunajska cesta 165, 1000 Ljubljana, Slovenia. Used for providing video content with improved performance.
• CookieFirstsupportingTechnology or IntegrationCookie consent management system used on the website for GDPR compliance regarding cookie usage and tracking.
• ImmoweltmajorTechnology or IntegrationReal estate platform providing property search widget integration on BKM website. Platinum Partner status, indicating significant integration. Immowelt provides property listings accessible through BKM's website to support customers in their property search journey.
• Google (Google Ireland Limited)supportingTechnology or IntegrationProvides Google Tag Manager for tag management and Google Ads for advertising campaigns. Also provides YouTube integration for video content on the Bausparkasse Mainz YouTube channel (@deinebausparkasse).
• Facebook Ireland Ltd. (Facebook, Instagram)supportingGTM or Marketing PartnerSocial media marketing partnerships for presence on Facebook (@deinebausparkasse) and Instagram (@deine.bausparkasse). Joint responsibility for Facebook page operations under GDPR.
• TikTok Technology LimitedsupportingGTM or Marketing PartnerSocial media presence on TikTok (@deine.bausparkasse) for short-form video content and brand awareness.
• LinkedIn Ireland Unlimited CompanysupportingGTM or Marketing PartnerProfessional social media presence for corporate communications, recruitment, and B2B engagement. Profile: Bausparkasse Mainz AG.
• New Work SE (XING, Kununu)supportingGTM or Marketing PartnerPresence on XING for professional networking and Kununu for employer branding. Kununu Top Company 2025/2026 recognition associated with this platform.
• Google LLC (YouTube)supportingGTM or Marketing PartnerYouTube channel presence (@deinebausparkasse) for video content including explanatory videos and promotional content about products and services.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Alte Leipziger Bausparkasse: Alte Leipziger Bausparkasse is a smaller German Bausparkasse of comparable scale to BKM, offering Bausparvertr\u00e4ge, Baufinanzierung, and Modernisierungsdarlehen through its parent insurance group. It is directly comparable on product set, regulatory regime, and customer target.
• BHW Bausparkasse AG: BHW Bausparkasse, owned by Commerzbank, is another major German Bausparkasse focused on Bausparen, Baufinanzierung, and Modernisierung for retail customers. It is a direct peer under the same regulatory framework and product categorization as BKM.
• W\u00fcstenrot Bausparkasse: W\u00fcstenrot is one of Germany's leading Bausparkassen, providing building savings contracts, mortgage financing, and home insurance products under the same Bausparkassengesetz regime as BKM. It targets the same German retail property buyers and competes head-to-head on Bauspar tariffs and modernization loans.
• LBS (Landesbausparkassen): The LBS group consists of regional Landesbausparkassen (e.g., LBS Hessen-Th\u00fcringen, LBS S\u00fcd, LBS West) operating under the Sparkassen umbrella. They offer the same Bausparen/Baufinanzierung product mix under the same regulatory regime as BKM, but are regionally structured rather than national.
• Bausparkasse Schwäbisch Hall: Schwäbisch Hall is Germany's largest Bausparkasse and offers the exact same product set as BKM, including Bausparverträge with government subsidies (Wohnungsbaupr\u00e4mie, Arbeitnehmersparzulage), Baufinanzierung, and modernisierung financing. It is the closest direct competitor on business model, regulatory regime, and target customers.
• Debeka Bausparkasse: Debeka operates a German Bausparkasse alongside its insurance business, offering Bausparen, Baufinanzierung, and modernisierung financing under the same Bausparkassengesetz framework as BKM. It directly competes in the same niche with similar government-subsidy-linked products.

Broad incumbents

• DKB (Deutsche Kreditbank): DKB is a major German direct bank offering Tagesgeld, Festgeld, and Baufinanzierung through online channels, overlapping with BKM's investment and mortgage products but at significantly larger scale. It represents the digital-first competition BKM faces in retail savings and construction financing.
• Sparkassen-Finanzgruppe: The Sparkassen Finanzgruppe is Germany's network of public-law savings banks offering retail savings accounts, mortgage lending, and modernisiert loans across Germany. It is a broad incumbent that competes with BKM on Baufinanzierung and retail savings through its LBS-branded Bausparkassen subsidiaries.
• ING-DiBa (ING Deutschland): ING-DiBa is one of Germany's largest retail banks, providing Tagesgeld, Festgeld, and Baufinanzierung products that overlap with BKM's investment and construction financing offerings. While it is not a Bausparkasse, it is a broad incumbent competing for the same German retail savings and mortgage customers.
• KfW Bankengruppe: KfW is Germany's state-owned development bank that channels government-subsidized housing and energy-efficient modernization loans directly to end customers, overlapping significantly with BKM's Modernisierung and subsidy advisory offerings but at much larger scale. It is a broad incumbent in the German subsidized housing finance space rather than a direct Bausparkasse competitor.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@deinebausparkasse
• Facebookfacebook.com/bkmbausparkassemainz
• LinkedInlinkedin.com/company/bausparkassemainz
• Instagraminstagram.com/deine.bausparkasse
• TikToktiktok.com/@deine.bausparkasse

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about BKM