HYPO Oberösterreich

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

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

• Retail banking services
• Mortgage lending
• Savings products
• Commercial financing
• Universal banking

Headquarters

HQ city

Linz

HQ country

Austria

HQ region

Europe

Offices8 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. 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.
2. 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.).
3. 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.
4. 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.
5. 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.
6. 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

Go-to-market motion1 record

Distribution channels7 records

Marketing channels8 records

Core 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)

Segments10 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature5 records

Partnerships

17 partnerships are on record, tiered major, minor and core.

• Raiffeisen Kapitalanlage-Gesellschaft m.b.H.majorChannel Partner/ Reseller/ DistributorInvestment 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.majorChannel Partner/ Reseller/ DistributorBuilding 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.majorChannel Partner/ Reseller/ DistributorLeasing product partner for equipment and asset financing, complementing HYPO Oberösterreich's own Kfz-Leasing and commercial leasing offerings.
• Raiffeisen Bank International AGminorChannel Partner/ Reseller/ DistributorInternational banking partner enabling cross-border banking services, correspondent banking, and access to Raiffeisen's international network.
• Raiffeisen Centrobank AGminorChannel Partner/ Reseller/ DistributorInvestment banking and securities partner for structured products and equity research distribution through HYPO Oberösterreich.
• Oberösterreichische Versicherung AktiengesellschaftmajorChannel Partner/ Reseller/ DistributorRegional 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 AGminorChannel Partner/ Reseller/ DistributorInsurance product distribution partner offering health, life, and property insurance products through HYPO Oberösterreich.
• KEPLER FONDS Kapitalanlagegesellschaft m.b.H.minorChannel Partner/ Reseller/ DistributorInvestment fund provider distributing proprietary funds through HYPO Oberösterreich's branch network and digital platforms.
• Valida Holding AG / Real-Treuhand Immobilien Vertriebs GmbHminorChannel Partner/ Reseller/ DistributorReal 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.majorChannel Partner/ Reseller/ DistributorSubsidiary/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 GmbHminorChannel Partner/ Reseller/ DistributorInternal facility management subsidiary supporting HYPO Oberösterreich's operations and listed as a data sharing partner for marketing purposes.
• Hypo Immobilien Anlagen GmbHminorChannel Partner/ Reseller/ DistributorReal estate investment company affiliated with HYPO Oberösterreich, offering real estate investment products and services.
• I&B Immobilien und Bewertungs GmbHminorChannel Partner/ Reseller/ DistributorReal 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 GmbHminorChannel Partner/ Reseller/ DistributorInsurance broker and advisory services partners within the Raiffeisen group network, providing insurance brokerage for HYPO customers.
• Raiffeisen e-force GmbHcoreTechnology or IntegrationTechnology 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 RaiffeisenlandesbankenminorChannel Partner/ Reseller/ DistributorNetwork of Austrian Raiffeisen regional banks enabling correspondent banking, shared services, and inter-bank cooperation within the Raiffeisen group.
• Salzburger Landes-Hypothekenbank AGminorChannel Partner/ Reseller/ DistributorSister 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

Broad 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

• YouTubeyoutube.com/@hypoooe
• Facebookfacebook.com/HYPO.at
• LinkedInlinkedin.com/company/hypo-ooe
• Instagraminstagram.com/hypo.at
• Xx.com/hypo_at

Compliance9 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

Subsidiaries4 records

Funding overview

Funding rounds1 record

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 HYPO Oberösterreich