Raiffeisen stavební spořitelna

What Raiffeisen stavební spořitelna does

Raiffeisen stavební spořitelna a.s. (RSTS) is a Czech building society founded in 1993 and headquartered in Prague, operating as a wholly-owned subsidiary of Raiffeisenbank a.s. within the Raiffeisen financial group. The company is one of the licensed Czech building societies entitled to offer stavební spoření — a state-subsidized savings product pairing a guaranteed 3.3% annual interest rate over a 6-year term with a government contribution of up to 1,000 CZK per year (capped at 6,000 CZK over the contract life). Around this core savings product, RSTS offers an integrated housing finance suite including Rekopůjčka (unsecured housing loans up to 2 million CZK), loans from building savings at 2.99% p.a., cooperative housing loans up to 3 million CZK, loans for housing cooperatives and SVJ with maturities up to 35 years, and interest-free green renovation loans intermediated under the Nová zelená úsporám program.

The technology platform is integrated with Raiffeisenbank's Raiffeisen bankovnictví mobile and internet banking app, leveraging BankID for digital identity verification and RB Key for electronic signatures to enable roughly 10-minute online contract conclusion for existing bank clients. RSTS serves over 500,000 clients through a hybrid distribution model combining 165 financial-advisory locations across all 14 Czech regions, Raiffeisenbank branch cross-selling, an in-house call center (+420 412 446 408), and outsourced outbound partners (MediaCall, Konecta).

Revenue is generated primarily through net interest margin on the loan book, recurring account maintenance fees (33 CZK/month for savings, 106 CZK/quarter for loan accounts), contract closing fees of 1% on loan originations, and insurance intermediation commissions from UNIQA pojišťovna for credit life and payment protection cover distributed alongside every loan. Customer segments span individual retail savers, youth and children's savings accounts, self-employed borrowers (OSVČ), and legal-entity clients including housing cooperatives (bytová družstva) and owners associations (SVJ).

Name

Raiffeisen stavební spořitelna

Legal name

Raiffeisen stavební spořitelna a.s.

Website

https://rsts.cz

Company type

Private

Founded year

1993

Operating status

Operating

Headcount range

251–500 employees

Short description

Raiffeisen stavební spořitelna is a Prague-based Czech building society, majority-owned by Raiffeisenbank, offering state-subsidized construction savings with guaranteed 3.3% interest plus unsecured and collateralized housing loans to retail customers, self-employed borrowers, and housing cooperatives across the Czech Republic.

Ownership category

akta.pro rank

Product category

Building Society and Housing Finance

NAICS

Savings Institutions and Other Depository Credit Intermediation (52218), Real Estate Credit (522292)

SIC

Savings Institutions, Not Federally Chartered (6036), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Affordable Rental & Multifamily Housing Finance Programs (LIHTC/Tax Credits/Subsidized Loans) (FSALAKAF)

akta.pro secondary industries

Renovation Mortgage Origination (FHA 203(k), HomeStyle, CHOICERenovation) (FSALAAAL), Home Improvement Personal Loans (Unsecured Installment) (FSAKAAAE), Multifamily Construction-to-Perm Financing (FSALAHAD), Public Mortgage Insurance & Government Credit Guarantee Programs (FSALAKAD), Mortgage Revenue Bond (MRB) & Public Housing Bond Programs (FSALAKAG)

Keywords

• Building society savings
• Housing finance loans
• Mortgage lending
• State-subsidized savings
• Credit insurance intermediation

Headquarters

HQ city

Prague

HQ country

Czechia

HQ region

Europe

Offices4 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Account management fees: Monthly account fee of 33 CZK charged for construction savings account maintenance. Quarterly fee of 106 CZK for loan account management.
2. Loan origination and interest income: Interest income from mortgage loans, bridging loans, and loans from construction savings. Contract closing fee of 1% of loan amount (minimum 1,000 CZK, maximum 10,000 CZK). Interest rates start from 2.99% for loans from construction savings to 5.84% for Rekopůjčka consumer loans secured against housing.
3. Risk life insurance intermediation: Commission revenue from intermediation of risk life insurance products and credit insurance (partnered with UNIQA pojišťovna), including payment protection insurance covering death, disability, involuntary unemployment
4. Credit insurance commissions: Commissions from credit insurance (pojištění schopnosti splácet) underwritten by UNIQA pojišťovna, offered alongside all loan products with 0.3% interest rate discount for insured clients
5. State subsidy pass-through: State subsidy administration services (5% of annual deposits up to 1,000 CZK per year) processed and credited to customer accounts annually in April

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels8 records

Core offering

Raiffeisen stavební spořitelna is a Czech licensed building society that sells state-subsidized construction savings (stavební spoření) with guaranteed 3.3% p.a. interest for six years, alongside a portfolio of housing loans. Complementary offerings include Rekopůjčka unsecured housing loans up to 2,000,000 CZK, loans from building savings starting at 2.99% p.a., cooperative housing loans, interest-free green housing loans via the State Environmental Fund, and intermediated credit, property, household and life insurance through UNIQA. Customers also have access to a free current account and supplementary pension savings through the Raiffeisenbank digital banking ecosystem.

Product overview

Raiffeisen stavební spořitelna is a Czech building society offering a comprehensive suite of housing finance products. The core portfolio centers on building savings (Stavební spoření) with guaranteed 3.3% interest rates, supplemented by various housing loans including Rekopůjčka (unsecured up to 2M CZK), loans for cooperative housing (up to 3M CZK), and loans from building savings (up to 1M CZK). The company also provides specialized loans for housing cooperatives and SVJ (with up to 35-year maturity), green housing subsidies through the New Green Savings program, and interest-free environmental loans. Complementary services include current accounts (CHYTRÝ účet), credit insurance, property insurance, household insurance, life insurance, and supplementary pension savings. All digital services are delivered through Raiffeisenbank's mobile and internet banking platform, with Bank iD integration for identity verification and UNIQA for insurance products.

Differentiator

Problem solved

Functional benefit

Brands

• Rekopůjčka: Loan for housing without property collateral, up to CZK 2,000,000
• Hyposplátka
• Půjčka na družstevní bydlení
• Úvěr ze stavebního spoření
• Bezúročný úvěr
• Felixovo spoření

Products and services

• Stavební spoření (Building Savings) State-subsidized construction savings product with guaranteed 3.3% p.a. interest for 6 years, up to 4.2% effective annual return with state subsidy, and youth savings reward up to 5.57% effective return for savers under 20. Available to Czech households via online onboarding (~10 minutes) or at 165 advisory locations, with monthly account fee of 33 CZK and maximum state subsidy of 1,000 CZK per year.
• Rekopůjčka (Unsecured Housing Loan) Unsecured housing loan up to 2,000,000 CZK without property collateral, with interest rates from 4.89% p.a. (with credit insurance). Representative: 500,000 CZK at 5.84% p.a. (5-year fix), 233 monthly installments of 3,660 CZK. Available for renovation, modernization and housing needs of Czech households.
• Půjčka na družstevní bydlení (Cooperative Housing Loan) Loan for cooperative housing up to 3,000,000 CZK without property collateral. Interest rate from 4.89% p.a. with credit insurance from UNIQA, repayment term up to 25 years, minimum monthly income 13,000 CZK, fully electronic processing. Targeted at individuals purchasing or refinancing cooperative housing units.
• Úvěr ze stavebního spoření (Loan from Building Savings) Loan drawn against accumulated building savings balance with guaranteed fixed interest rate from 2.99% p.a. (tariff HYPO U 173). Up to 1,000,000 CZK without collateral, with individual drawing for up to 2 years. Available to existing building savings customers at maturity.
• Úvěry pro bytová družstva a SVJ (Loans for Housing Cooperatives and Unit Owners Associations) Loans for housing cooperatives and associations of unit owners (SVJ) starting from 4 residential units. Maximum maturity 35 years, no property collateral required, free extraordinary repayments. Includes construction savings tariffs JISTOTA (3.3%) and FELIX (up to 3.1%) for legal entities. For renovation, acquisition and modernization of apartment buildings.
• Bezúročný úvěr (Interest-Free Green Housing Loan) Interest-free loan for housing cooperatives and SVJ up to 750,000 CZK per apartment unit for energy efficiency improvements including insulation, heat pumps, ventilation with heat recovery, green roofs, and photovoltaics. Repayment term up to 15 years, with bonus for low-income households, in cooperation with the State Environmental Fund.
• CHYTRÝ účet / Běžný účet (Current Account) Current account with free maintenance and worldwide ATM withdrawals, including instant payments, free debit card, and integration with building savings products. Active account variant at 49 CZK/month adds Multiměna service (up to 18 currencies), two debit Mastercard GOLD cards, and 1,000 CZK interest-free reserve.
• Pojištění úvěru (Credit Insurance) Credit insurance covering death (up to 3,000,000 CZK current debt), disability grade 2/3/ZTP/P, work incapacity (30-day waiting), and involuntary unemployment (30-day waiting). Includes personal assistant and health assistant services. Insurance premium included in loan installment, with 0.3% interest rate discount for insured clients.
• Pojištění staveb a bytových jednotek (Property Insurance) Property insurance for family houses and apartment units covering fire, explosion, lightning, vehicle impact, smoke, water damage, storms, hail, snow weight, and flood. Distributed alongside RSTS housing finance products.
• Pojištění domácnosti (Household Insurance) Household insurance covering fire, explosion, lightning, vehicle impact, storms, hail, water damage, flood, burglary, vandalism, and assistance services. Distributed alongside RSTS housing finance products.
• Rizikové životní pojištění (Risk Life Insurance) Risk life insurance for financial security of family members in case of death or serious health injury. Suitable for loan beneficiaries. Distributed alongside RSTS loan products.
• Doplňkové penzijní spoření (Supplementary Pension Savings) Supplementary pension savings with state contribution up to 4,080 CZK annually, tax advantages, and flexible investment options. Distributed through partnership with Generali pension company.
• Úvěry na bydlení pro OSVČ (Housing Loans for Self-Employed) Housing loans tailored for self-employed individuals (OSVČ), recognizing up to 65% of gross revenue as net income for credit assessment. Individual approach to entrepreneurs and business owners who face stricter income verification at traditional banks.
• Dotační poradenství (Grant Consulting) Grant consulting service for green housing subsidies, including the Nová zelená úsporám (New Green Savings) program, with interest-free loans in cooperation with the State Environmental Fund. Helps customers identify and apply for available energy efficiency renovation subsidies.

Quantifiable outcome

• Effective annual return up to 4.2% on construction savings over 6 years (combining 3.3% interest + 5% state subsidy)
• +5 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature4 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Státní fond životního prostředí (State Environmental Fund)coreStrategic or Co-development Partner · 25 June 2026Government partner for Nová zelená úsporám (New Green Savings) subsidy programs. RSTS acts as intermediary for interest-free loans for energy efficiency renovations (up to 750,000 CZK per apartment unit) for housing cooperatives and SVJ. Loan applications processed via the state fund's platform. Program launch targeted for June 25, 2026.
• UNIQA pojišťovnacoreStrategic or Co-development PartnerInsurance partner providing credit payment protection insurance (pojištění schopnosti splácet) distributed through RSTS loan products. Includes coverage for death, disability, work incapacity, and involuntary unemployment. UNIQA provides digital claims platform. RSTS offers 0.3% interest rate discount for insured clients.
• MediaCall, s.r.o.minorChannel Partner/ Reseller/ DistributorExternal call center partner (IČO 24198013) providing outbound telemarketing services for RSTS products. Multiple phone numbers provided for customer outreach (729 930 XXX series).
• KonectaminorChannel Partner/ Reseller/ DistributorExternal call center partner (IČO 26418037) providing outbound telemarketing services for RSTS products. Phone number: 771 262 512.
• BankIDcoreTechnology or IntegrationDigital identity verification infrastructure enabling non-Raiffeisenbank customers to verify their identity online for contract conclusion without visiting a physical location. BankID is the Czech national digital identity system.

Scale indicators4 records

Recent moves5 records

Expansion highlights6 records

Direct peers

• Wüstenrot - stavební spořitelna a.s. Independent (Munich-headquartered Wüstenrot group owned) Czech building society offering stavební spoření and housing loans. The third direct competitor in the Czech building society market alongside ČS Stavební spořitelna and Modrá pyramida.
• Hypoteční banka: Specialist mortgage bank owned by Česká spořitelna (ČS group). Competes directly with RSTS in the Czech mortgage origination market outside the subsidized stavební spoření framework, including refinancing and new mortgage products.
• Modrá pyramida stavební spořitelna: Czech building society subsidiary of Komerční banka (Société Générale group). Competes directly with RSTS in stavební spoření products, housing loans, and Rekopůjčka-style unsecured housing finance.
• ČS Stavební spořitelna: The largest Czech building society, subsidiary of Česká spořitelna (Erste Group). Offers the same regulated stavební spoření product alongside mortgage loans and is the most direct head-to-head competitor to RSTS in the subsidized savings and housing finance market.

Emerging players

• MONETA Money Bank: Czech retail-focused bank with growing mortgage and consumer finance franchise. Competes with RSTS in housing loan origination and current accounts, with increasing digital capabilities but smaller scale than incumbents.
• Air Bank: Czech retail challenger bank (PPF group) known for digital innovation and consumer-friendly products. Competes with RSTS in unsecured housing-adjacent lending and savings products with a digital-first distribution model.
• Banka CREDITAS: Smaller Czech bank with growing retail and mortgage business. Competes with RSTS in housing finance and savings products, with a focused Czech market strategy and growing advisory presence.

Broad incumbents

• Česká spořitelna: Largest Czech retail bank (Erste Group subsidiary) and parent of ČS Stavební spořitelna. Offers full-service retail and mortgage banking and competes broadly with RSTS across the housing finance value chain while leveraging its dominant market position.
• Československá obchodní banka (ČSOB): Major Czech universal bank (KBC group subsidiary) offering full-service retail and mortgage lending. Competes with RSTS in housing finance with broader product portfolio and larger branch network.
• Komerční banka: Major Czech retail and corporate bank (Société Générale subsidiary) and parent of Modrá pyramida. Competes with RSTS across retail banking, mortgages, and housing finance while offering broader financial services at scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/rsts_cz
• LinkedInlinkedin.com/company/rsts-cz
• Facebookfacebook.com/RaiffeisenStavebni

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

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 Raiffeisen stavební spořitelna