HYPO Oberösterreich
- Company typePrivate
- Founded1890
- HeadquartersLinz, Austria
- Headcount251–500
- GTM typeB2B and B2C
- OfferingServices
HYPO Oberösterreich firmographics
Firmographics- Name
- HYPO Oberösterreich
- Legal name
- Oberösterreichische Landesbank Aktiengesellschaft
- Website
- https://hypo.at
- Company type
- Private
- Founded year
- 1890
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Ownership category
- akta.pro rank
HYPO Oberösterreich industry classification
Industry- Product category
- Retail Banking
- NAICS
- Savings Institutions and Other Depository Credit Intermediation (52218), Depository Credit Intermediation (5221), Portfolio Management and Investment Advice (523940)
- SIC
- Savings Institutions, Not Federally Chartered (6036), National Commercial Banks (6021)
- akta.pro primary industry
- Consumer & Retail (CPG, Food, Apparel) (FSABACAM)
- akta.pro secondary industries
- Wealth Lending & Credit Solutions (Lombard/Margin, Mortgages, Structured Credit) (FSAAABAG), BaaS Platforms & Sponsor Bank Enablement (FSAGALAA)
Keywords
Where HYPO Oberösterreich is headquartered
LocationHeadquarters
- HQ city
- Linz
- HQ country
- Austria
- HQ region
- Europe
Offices8 records
Markets served
HYPO Oberösterreich business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others
Revenue model
- Interest Income: Core revenue from lending activities including mortgage loans (Wohnkredit), commercial loans (Unternehmensfinanzierung), consumer credit (Privatkredit), KFZ leasing, and construction financing. Interest income from giro account overdrafts and loan book.
- Commission and Fee Income: Fees from account management (Girokonto, Firmenkonto, Basiskonto), payment processing (Express Überweisung, SEPA transfers), securities trading and custody (Wertpapier-Beratung, depot management), foreign exchange, and insurance distribution (Versicherungen as insurance agent). Commission sharing with fund partners (KEPLER FONDS, Raiffeisen KAG, etc.).
- Savings and Deposits: Interest paid to depositors on savings products (Online Sparen, Sparbuch, Bausparen, Fondssparen, HYPO Fixzins-Sparbuch). State-subsidized Bausparen with up to 1.5% government bonus. Current account deposits used for lending.
- Investment and Wealth Management: Revenue from securities advisory (Wertpapier-Beratung, portfolio management), distribution of investment funds (Fonds, Aktien, Anleihen, Zertifikate), structured products, gold and currency trading, and tax advisory services for investors.
- Leasing Services: Kfz-Leasing and other equipment leasing through OÖ Hypo Leasinggesellschaft m.b.H., generating lease income and margins on vehicle and asset financing.
- Specialty Banking Services: HYPO.med (specialized banking for physicians including student accounts, practice setup financing, and medical-specific products); Kirchliche & Soziale Organisationen (banking for churches and nonprofits).
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Modular Housing Credit (Wohnkredit) - customizable mortgage with base rate and modular add-ons |
| Usage-based | Monthly | HYPO Online Kredit - consumer credit for personal needs |
| Usage-based | Monthly | HYPO OOE SorgenfreiKredit - senior credit product (age 60+) |
| Unit Pricing | Monthly | KFZ-Leasing - vehicle financing with fixed rates |
| Subscription | Annual | Bausparen (Savings) - state-subsidized building savings |
| Subscription | Monthly | Girokonto (Current Account) and related account products |
| Subscription | Monthly | HYPO.med (Medical Professional Banking) |
| Transaction based/ take rate | Pay-as-you-go | Securities and Investment Products |
Go-to-market motion1 record
Distribution channels7 records
Marketing channels8 records
HYPO Oberösterreich product offering
Product offeringCore offering
HYPO Oberösterreich is a regional universal bank headquartered in Linz, Austria, providing retail and commercial banking products including current accounts, savings products (Bausparen, online savings, fund savings), mortgage and housing loans (modular Wohnkredit, state-subsidized Wohnbauförderung), consumer credit, vehicle leasing, corporate financing, securities and investment advisory, and insurance distribution. It serves private customers, medical professionals, public sector employees, self-employed professionals, churches/social organizations, micro-enterprises, commercial real estate clients, and large corporates across Upper Austria and Vienna through a branch network and digital banking platforms (Mein ELBA, HYPO INFINITY).
Product overview
HYPO Oberösterreich (Oberösterreichische Landesbank Aktiengesellschaft) is a regional universal bank based in Linz, Austria, offering a broad portfolio of retail and corporate banking products and services. The product range is organized around several core pillars: (1) Account & Cards — including Girokonto (retail current accounts), HYPO.blue variants for youth/students/partners, HYPO.med for physicians, Firmenkonto (business), and Basiskonto (basic account), plus credit and debit cards; (2) Digital Banking — centered on Mein ELBA (online banking platform) and HYPO INFINITY (digital banking), supported by mobile apps and Express Überweisung; (3) Credit & Financing — comprising the modular HYPO OOE Wohnkredit (home loan), digital Wohnkreditservice, Privatkredit, Online Kredit, SorgenfreiKredit (for customers 60+), KFZ-Leasing, Unternehmensfinanzierung, and the digital OÖ Wohnbau-Förderungsportal for state-subsidized residential loans; (4) Savings & Provision — including Online Sparen, Bausparen (construction savings with state bonus), Fondssparen (fund savings), and insurance products; (5) Investment — covering securities advisory, Wertpapier-Suche, Nachhaltig Anlegen (sustainable investing), bonds, funds, stocks, certificates, currencies, and gold. The bank also provides account switching (Kontowechsel) and securities portfolio transfer (Depotwechsel) services, and operates a 24/7 emergency hotline.
Differentiator
Problem solved
Functional benefit
Brands
- HYPO.med: Specialized banking service for medical professionals including doctors, offering tailored financial solutions for medical students, trainees, and practice owners.
- Mein ELBA
- HYPO INFINITY
Products and services
- HYPO OOE Girokonto
- HYPO OOE Firmenkonto
- HYPO OOE Basiskonto
- HYPO OOE Jugend- und Studentenkonto
- HYPO.med Ärztekonto
- HYPO OOE Kreditkarte
- HYPO OOE Debitkarte
- Mein ELBA Online Banking
- HYPO INFINITY
- HYPO OOE Modulkredit (Wohnkredit)
- Digitaler Wohnkreditservice
- HYPO OOE Privatkredit
- HYPO OOE Online Kredit
- HYPO OOE SorgenfreiKredit
- HYPO KFZ-Leasing
- HYPO OOE Unternehmensfinanzierung
- OÖ Wohnbau-Förderungsdarlehen (Wohnbau-Förderungsportal)
- HYPO OOE Online Sparen
- HYPO OOE Bausparen
- HYPO OOE Fondssparen
- HYPO OOE Wertpapier-Beratung / Wertpapier-Suche
- HYPO OOE Nachhaltig Anlegen
- Versicherungen (Insurance Distribution)
- HYPO Kontowechsel-Service
- HYPO OOE Sperrhotline
- NextGenPSD2 XS2A API (Open Banking API)
Companies that use HYPO Oberösterreich
Customer profileSegments10 records
Ideal customer profiles6 records
HYPO Oberösterreich technology and API
TechnologyTechnology focussed No
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
Feature5 records
HYPO Oberösterreich partnerships and signals
Strategic signalPartnerships
17 partnerships are on record, tiered major, minor and core.
- Raiffeisen Kapitalanlage-Gesellschaft m.b.H.majorInvestment fund management company offering fund distribution through HYPO Oberösterreich branches. Partners with HYPO for securities and fund investment products.
- Raiffeisen Bausparkasse Gesellschaft m.b.H.majorBuilding savings (Bausparen) product partner enabling HYPO Oberösterreich to offer state-subsidized building savings products alongside its own Bausparen offerings.
- Raiffeisen-IMPULS-Leasing Gesellschaft m.b.H.majorLeasing product partner for equipment and asset financing, complementing HYPO Oberösterreich's own Kfz-Leasing and commercial leasing offerings.
- Raiffeisen Bank International AGminorInternational banking partner enabling cross-border banking services, correspondent banking, and access to Raiffeisen's international network.
- Raiffeisen Centrobank AGminorInvestment banking and securities partner for structured products and equity research distribution through HYPO Oberösterreich.
- Oberösterreichische Versicherung AktiengesellschaftmajorRegional insurance partner holding 15.33% of Hypo Holding GmbH and serving as insurance product distribution partner (also insurance agent relationship). Offers life, property, and casualty insurance through HYPO branches.
- UNIQA Österreich Versicherungen AGminorInsurance product distribution partner offering health, life, and property insurance products through HYPO Oberösterreich.
- KEPLER FONDS Kapitalanlagegesellschaft m.b.H.minorInvestment fund provider distributing proprietary funds through HYPO Oberösterreich's branch network and digital platforms.
- Valida Holding AG / Real-Treuhand Immobilien Vertriebs GmbHminorReal estate sales and trust services partner offering property valuation and real estate transaction services related to HYPO's mortgage and construction lending.
- OÖ Hypo Leasinggesellschaft m.b.H.majorSubsidiary/leasing company of HYPO Oberösterreich offering vehicle (KFZ) and equipment leasing. Listed as a distribution partner in HYPO's privacy policy and also as a related company.
- OÖ Hypo Facility Management GmbHminorInternal facility management subsidiary supporting HYPO Oberösterreich's operations and listed as a data sharing partner for marketing purposes.
- Hypo Immobilien Anlagen GmbHminorReal estate investment company affiliated with HYPO Oberösterreich, offering real estate investment products and services.
- I&B Immobilien und Bewertungs GmbHminorReal estate valuation and assessment services partner, supporting HYPO's mortgage lending with property valuation services.
- RVD Raiffeisen-Versicherungsdienst Gesellschaft m.b.H. / RVM Raiffeisen-Versicherungsmakler GmbHminorInsurance broker and advisory services partners within the Raiffeisen group network, providing insurance brokerage for HYPO customers.
- Raiffeisen e-force GmbHcoreTechnology subsidiary of Raiffeisen Banking Group operating the Developer Portal (developer.hypo.at) on behalf of HYPO Oberösterreich for PSD2 API services. Responsible for the NextGenPSD2 XS2A Framework API infrastructure, OAuth flows, sandbox environment, and TPP registration management.
- Österreichische RaiffeisenlandesbankenminorNetwork of Austrian Raiffeisen regional banks enabling correspondent banking, shared services, and inter-bank cooperation within the Raiffeisen group.
- Salzburger Landes-Hypothekenbank AGminorSister state mortgage bank (Landes-Hypothekenbank) in Salzburg, sharing the Hypo brand network. Listed as a data sharing partner in HYPO's privacy policy for marketing purposes.
Scale indicators6 records
Recent moves6 records
Expansion highlights7 records
HYPO Oberösterreich competitors and assessment
Company assessmentBroad incumbents
- BAWAG Group AG: One of Austria's largest retail and commercial banks, competing with HYPO OÖ across retail current accounts, consumer credit, mortgages, and corporate banking with a far larger footprint and balance sheet.
- Erste Group Bank AG: Austria's largest banking group, operating Erste Bank and Sparkassen brand across the country including direct competition in Upper Austrian retail and corporate banking segments.
- Raiffeisen Bank International AG: Major Austrian banking group that is structurally related to HYPO OÖ via the 84.67% Raiffeisenlandesbank OÖ stake in Hypo Holding GmbH — overlapping retail, corporate, and investment product offerings and competing directly in Upper Austrian markets.
Direct peers
- Oberbank AG: Austrian regional universal bank of comparable size to HYPO OÖ, also focused on Upper Austrian corporate and retail customers with a similar mix of universal banking, real estate lending, and Raiffeisen-affiliated ownership structure.
- BKS Bank AG: Austrian regional universal bank serving retail and corporate customers with comparable scale, product breadth, and a strong regional identity — directly competing for the same Upper Austrian and Carinthian SME and retail segments.
- Volkskreditbank AG (VKB-Bank): Austrian regional bank headquartered in Linz (same city as HYPO OÖ), operating a similar universal-banking model with retail deposits, mortgages, and corporate lending in the Upper Austrian market.
- Salzburger Landes-Hypothekenbank AG: Sister Hypo Landesbank for the State of Salzburg, sharing the Hypo brand and Landesbank ownership model — direct peer in terms of size, mortgage-led strategy, state ownership, and geographic specialization.
Emerging players
- Bank99: Austrian neobank launched by Österreichische Post, offering a fully digital primary banking experience — directly competing for HYPO OÖ's retail current-account, savings, and consumer credit customers with a mobile-first proposition.
- DreiBank: Austrian digital bank launched by Drei/Hutchison 3G offering Girokonto and consumer credit entirely through mobile channels — competing for the same digitally-engaged retail segment as HYPO OÖ's Mein ELBA platform.
Regional players
- Tiroler Sparkasse: Austrian regional savings bank operating under the Sparkassen brand with similar universal-banking offerings to HYPO OÖ, but focused on Tyrol rather than Upper Austria — a comparable regional Landesbank/savings-bank model without direct geographic overlap.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat6 records
Key risks5 records
Key highlights7 records
Customer concentration
HYPO Oberösterreich social profiles
Digital presenceHYPO Oberösterreich compliance and trust
Trust signalCompliance9 records
HYPO Oberösterreich financial estimates
Financial estimateRevenue estimate
Valuation estimate
HYPO Oberösterreich leadership team
Management profileNumber of profiles
Profiles12 records
HYPO Oberösterreich subsidiaries and ownership
Company hierarchySubsidiaries4 records
HYPO Oberösterreich funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
HYPO Oberösterreich M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about HYPO Oberösterreich
What does HYPO Oberösterreich do?
HYPO Oberösterreich is a regional universal bank headquartered in Linz, Austria, providing retail and commercial banking products including current accounts, savings products (Bausparen, online savings, fund savings), mortgage and housing loans (modular Wohnkredit, state-subsidized Wohnbauförderung), consumer credit, vehicle leasing, corporate financing, securities and investment advisory, and insurance distribution. It serves private customers, medical professionals, public sector employees, self-employed professionals, churches/social organizations, micro-enterprises, commercial real estate clients, and large corporates across Upper Austria and Vienna through a branch network and digital banking platforms (Mein ELBA, HYPO INFINITY).
Is HYPO Oberösterreich a public or private company?
HYPO Oberösterreich is a private company. It is classified as state government owned and is currently operating.
When was HYPO Oberösterreich founded?
HYPO Oberösterreich was founded in 1890. It employs 251 to 500 people.
Where is HYPO Oberösterreich based?
HYPO Oberösterreich is headquartered in Linz, Austria, in the Europe region.
How does HYPO Oberösterreich make money?
Six revenue lines are on record. Interest Income is the primary driver. The others are commission and Fee Income, savings and Deposits, investment and Wealth Management, leasing Services and specialty Banking Services.
Who are HYPO Oberösterreich's main competitors?
Broad incumbents on record are BAWAG Group AG, Erste Group Bank AG and Raiffeisen Bank International AG. Direct peers are Oberbank AG, BKS Bank AG, Volkskreditbank AG (VKB-Bank) and Salzburger Landes-Hypothekenbank AG. Emerging players are Bank99 and DreiBank. Tiroler Sparkasse is listed as a regional player.
Does HYPO Oberösterreich have an API?
Yes. HYPO Oberösterreich offers a PSD2 XS2A API (NextGenPSD2 XS2A Framework) for Third Party Providers (TPPs) in three categories: Account Information Service (AIS) for approved AISPs to access payment accounts and retrieve balances and transactions; Payment Initiation Service (PIS) for approved PISPs to initiate SEPA credit transfers, Instant Payments, cross-border transfers, bulk payments, and periodic payments; and Confirmation of Funds / Card Based Payment Instrument Issuer (PIIS/CBPII) for approved CBPIIs to check account funds availability. The API is developed according to Berlin Group NextGenPSD2 Framework specifications. Both a sandbox environment and live production environment are available. Sandbox access requires free registration and app subscription with client ID/secret credentials via OAuth 2.0 client credentials flow. Live access requires a valid eIDAS QWAC certificate with PSD2 roles (AISP, PISP, CBPII, or ASPSP) and a maximum key length of 2048 bits. OAuth 2.0 is used for authentication. Account information consents are valid up to 180 days (increased from 90 days per DelVO (EU) 2022/2360). The emergency mechanism (fallback) was deactivated as of November 1, 2023. Changes related to the Instant Payment Regulation take effect October 9, 2025. Developer documentation is at developer.hypo.at.
What industry is HYPO Oberösterreich in?
HYPO Oberösterreich's product category is Retail Banking. Its primary akta.pro industry code is FSABACAM, Consumer & Retail (CPG, Food, Apparel), with a secondary code of FSAAABAG, Wealth Lending & Credit Solutions (Lombard/Margin, Mortgages, Structured Credit). Its NAICS code is 52218 and its SIC code is 6036.