What Wüstenrot Bausparkasse AG does

Wüstenrot Bausparkasse AG is Germany's oldest building society, founded in 1921 by Georg Kropp and operating as a wholly-owned subsidiary of the Wüstenrot & Württembergische (W&W) Group since the 1999 merger with Württembergische Versicherung. Headquartered in Kornwestheim, Germany, the company provides a comprehensive housing finance ecosystem centered on building savings contracts (Bausparverträge), offered in four tariff variants: Wohnsparen Kompakt (basic savings), Wohnsparen Trend (variable rates), Wohnsparen Premium (premium fixed rates), and Wohnsparen Komfort (low-rate modernization loans). The core building savings offering is complemented by construction financing products (annuity loans, full-repayment loans, advance loans, building loans, and forward loans), follow-up and modernization financing, deposit products (Tagesgeld and Festgeld), the Eigenheimrente (Riester home retirement) product, and government subsidy facilitation for KfW and BAFA programs.

The technology platform integrates digital self-service capabilities including the Kundenportal Mein Wüstenrot (300,000 registered users), the Meine Wohnwelt real estate portal (350,000+ listings) with AI-powered property valuation via PriceHubble, video consultation through Flexperto, voice bot customer service via Parloa, and Salesforce Marketing Cloud for personalized customer engagement. Revenue is generated through a combination of one-time closing fees (Abschlussgebühr at 1% of Bausparsumme), recurring interest income on Bauspardarlehen, interest spreads on deposit products, transaction fees on Baufinanzierung brokerage comparing 400 partner banks, and ancillary services including energy consulting and partner marketplace commissions (Vorteilswelt). Go-to-market combines 2,100+ field advisors with digital channels and a 40+ partner bank/insurance distribution network including Allianz, Commerzbank, Deutsche Bank, ERGO, and Postbank, serving over 3 million customers across Germany.

Name

Wüstenrot Bausparkasse AG

Legal name

Wüstenrot Bausparkasse AG

Website

https://wuestenrot.de

Company type

Private

Founded year

1921

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Wüstenrot Bausparkasse AG is Germany's oldest building society (founded 1921), offering Bausparverträge, mortgage financing, and deposit products to over 3 million German consumers through 2,100+ field advisors and 40+ partner banks as part of the W&W Group.

Ownership category

akta.pro rank

Headquarters

HQ city

Ludwigsburg-eglosheim

HQ country

Germany

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Bausparvertrag Gebühren: One-time Abschlussgebühr (closing fee) of 1% of the Bausparsumme (building savings sum) charged at contract conclusion. Variantenpreise apply for certain tariff variants.
2. Bauspardarlehen Zinsen: Interest income from Bauspardarlehen (building society loans) extended to customers after contract allocation. Loan terms include fixed interest rates (e.g., 0.45% to 2.25% depending on tariff), with Agio fees on some products.
3. Tagesgeld und Festgeld Einlagen: Interest spread earned on demand deposits (Tagesgeld) and term deposits (Festgeld) offered to customers. Current rates: 1.00% p.a. Tagesgeld, 2.75% p.a. Festgeld (12-month term).
4. Baufinanzierung Vermittlung: Mortgage financing products and comparison services for construction loans, comparing conditions from 400 partner banks. May include processing fees or margin income.
5. Klimabonus Verwaltung: Reimbursement of Abschlussgebühr and Variantenpreis up to 300 EUR per contract for qualifying energy-efficient renovations under the Klimabonus program.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels7 records

Core offering

Wüstenrot Bausparkasse AG operates as Germany's oldest building society, providing building savings contracts (Bausparverträge) in four tariff variants (Wohnsparen Kompakt, Trend, Premium, Komfort) along with mortgage lending products (annuity, full-repayment, forward, and Vorausdarlehen loans), construction financing, follow-up financing (Anschlussfinanzierung), modernization credits, retail deposit accounts (Top Tagesgeld and Top Festgeld), Eigenheimrente (Wohn-Riester), and facilitation of government subsidies (KfW, BAFA). Products are distributed to individual consumers through a 2,100+ field advisor network, 40+ partner banks, digital customer portals, and online self-service channels across Germany.

Product overview

Wüstenrot Bausparkasse AG is Germany's oldest building society (founded 1921), now part of Wüstenrot & Württembergische Group, offering a comprehensive housing finance ecosystem centered on building savings contracts (Bausparverträge) as the core product, with four tariff variants: Wohnsparen Kompakt (basic savings), Wohnsparen Trend (variable rates), Wohnsparen Premium (premium fixed rates), and Wohnsparen Komfort (low-rate loans for modernization). Building savings products are complemented by construction financing products including Annuitätendarlehen (annuity loans), Volltilgerdarlehen (full-repayment loans), Vorausdarlehen mit Bausparvertrag (advance loans with savings), Bauspardarlehen (building loans), and Forward-Darlehen (forward loans), plus follow-up financing (Anschlussfinanzierung) and modernization credits (Modernisierungskredit). The portfolio extends to deposit products (Top Tagesgeld, Top Festgeld), the Eigenheimrente (home retirement) Riester product, and the Klimabonus (up to 300 EUR climate bonus for energy renovations). Digital services include the customer portal (Kundenportal Mein Wüstenrot with 300,000+ users), the Meine Wohnwelt property portal with 350,000+ property listings and AI-assisted property valuation, the Vorteilswelt partner discount marketplace, and a suite of online calculators (Bausparrechner, Finanzierungsrechner). Wüstenrot also facilitates access to government subsidies including KfW and BAFA programs for energy-efficient renovations, with over 2,100 advisors providing on-site consultation and partnerships with 400+ banks for rate comparisons.

Differentiator

Problem solved

Functional benefit

Brands

• Wohnsparen Kompakt: Bauspar tariff for simple saving with government subsidies, Bausparsumme between 10,000 and 60,000 EUR
• Wohnsparen Trend
• Wohnsparen Premium
• Wohnsparen Komfort
• Mein EigenHeim
• Meine Wohnwelt

Products and services

• Wohnsparen Kompakt Basic building savings contract designed for simple, straightforward saving. Bausparsumme ranges from 10,000 to 60,000 EUR with 50% minimum savings requirement. Features free special payments, state subsidies eligibility, and Jugendbonus up to 200 EUR for under-25s.
• Wohnsparen Trend Variable interest rate building savings product linked to market returns (Umlaufrendite). Minimum Bausparsumme from 10,000 EUR with 40% minimum savings. Features variable interest rates (min 0.20%, max 4.00% p.a.) with potential bonus interest tied to market rates.
• Wohnsparen Premium Premium building savings contract for future home construction, purchase, or follow-up financing. Offers choice of 1.50% or 2.25% loan interest rate, 0.25% interest discount for sums ≥100,000 EUR, 0.01% savings interest, and up to 300 EUR Klimabonus for energy-efficient renovations.
• Wohnsparen Komfort Building savings contract designed for future modernization expenses. Offers the lowest loan interest rate (0.45% p.a.) or option for lower monthly payments, 40% minimum savings, and up to 300 EUR Klimabonus for energy-efficient renovations.
• Annuitätendarlehen Standard mortgage loan with fixed monthly payments over a defined interest rate period (e.g., 10 years). Monthly installment remains constant; as the interest portion decreases over time, the principal portion increases.
• Volltilgerdarlehen Full-repayment mortgage loan variant where the complete loan amount is paid off within a defined period with constant installments, eliminating any remaining balance after the interest rate period expires.
• Vorausdarlehen mit Bausparvertrag Advance loan combined with a building savings contract. Monthly interest-only payments while simultaneously building savings. When the Bausparvertrag is approximately half-funded, it is used to pay off the advance loan, followed by monthly principal-and-interest payments on the remaining balance.
• Bauspardarlehen Building savings loan for follow-up financing or modernization measures. After the savings phase reaches approximately 50% of the Bausparsumme, the loan becomes available at a predetermined interest rate locked at contract signing.
• Forward-Darlehen Forward loan that locks in current interest rates for financing up to five years in advance. Designed for follow-up financing after interest rate periods expire on annuity loans, with premiums charged based on the forward period.
• Anschlussfinanzierung Follow-up financing solution for when the initial financing period ends and the loan balance remains unpaid. Offers building-savings-based and forward loan options to secure continued favorable rates.
• Modernisierungskredit Loan product specifically designed for renovation and modernization measures. Combines with government subsidies (KfW, BAFA) and the Wüstenrot Klimabonus for energy-efficient renovations.
• Top Tagesgeld Call money deposit account with flexible access and competitive interest rates (currently 1.00% p.a. special rate). Funds are available immediately with no fixed term.
• Top Festgeld Fixed-term deposit account with guaranteed fixed interest rates for the agreed term (currently 2.75% p.a. for 12-month term). Interest earnings are predictable at contract signing.
• Eigenheimrente (Wohn-Riester) Government-subsidized home retirement product with enhanced government allowances and potential tax benefits for building savings and home loans. Part of the Riester pension framework for residential property.
• Immobilienportal Meine Wohnwelt Property search portal with access to over 350,000 properties for purchase and rental, including houses, apartments, and building plots. Includes digital property valuation and personalized recommendations for modernization measures, funding programs, and advisor appointments.
• Kundenportal Mein Wüstenrot Customer portal with over 300,000 registered users offering contract management, document downloads, Grundschuld- and Pfandfreigaben requests, personal data changes, and access to exclusive partner offers.

Quantifiable outcome

• Interest rate security at 0.45% loan rate for Wohnsparen Komfort tariff vs current market rates above 3%
• +3 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

AI capability9 records

Feature5 records

Partnerships

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

• AllianzcoreChannel Partner/ Reseller/ DistributorMajor German insurance company reselling Wüstenrot Bausparprodukte through its extensive distribution network across Germany.
• CommerzbankcoreChannel Partner/ Reseller/ DistributorOne of Germany's largest banks distributing Wüstenrot building society products alongside its own mortgage and savings offerings.
• Deutsche BankcoreChannel Partner/ Reseller/ DistributorLeading German bank reselling Wüstenrot Bausparvertrag products through its private customer and wealth management divisions.
• ERGOmajorChannel Partner/ Reseller/ DistributorGerman insurance group reselling Wüstenrot products through its property and casualty insurance distribution channels.
• PostbankcoreChannel Partner/ Reseller/ DistributorMajor German postal and retail bank with extensive branch network distributing Wüstenrot building society products.
• SantandermajorChannel Partner/ Reseller/ DistributorSpanish banking group's German subsidiary reselling Wüstenrot savings and mortgage products.
• OLB (Oldenburgische Landesbank)majorChannel Partner/ Reseller/ DistributorRegional German bank offering Wüstenrot products and providing current account and depot services integrated into Wüstenrot's customer portal.
• Allianz, ARAG, Barmenia, Bankhaus Mayer, CreditPlus Bank, CVW Privatbank, DenizBank, Europace, Flessabank, Fyrst, Gothaer, Horbach, HUK, Hypovereinsbank, ING, interhyp, LVM, Mecklenburgische, Merkur Privatbank, MLP, Nürnberger Versicherung, Oberbank, OVB, ProVentus, Südwestbank, Swisslife, Telis Finanz AG, Universa, VPV, Württembergische, WWKminorChannel Partner/ Reseller/ DistributorAdditional 30+ partner banks and insurance companies distributing Wüstenrot products across various German regions and customer segments.
• Buderus (Heizsysteme)minorGTM or Marketing PartnerHeating systems manufacturer offering 150 EUR discount on heating systems for Wüstenrot customers through the Vorteilswelt partner program.
• VaillantminorGTM or Marketing PartnerHeat pump and heating manufacturer with partnership for promoting energy-efficient heating solutions combined with Wüstenrot financing.
• Heinz von Heiden (Massivhaus)minorGTM or Marketing PartnerGerman house builder offering 15-month fixed price guarantee for Wüstenrot customers building new homes.
• PriceHubble Deutschland GmbHcoreTechnology or IntegrationProperty valuation technology provider powering the 'Meine Wohnwelt' portal with AI-based property value estimates and rental assessments for Wüstenrot customers.
• Flexperto GmbHcoreTechnology or IntegrationVideo consultation platform enabling online advisor meetings, appointment booking, digital signature, and screen sharing for Wüstenrot's online advisory services.
• Parloa GmbHcoreTechnology or IntegrationAI voice bot technology provider for Wüstenrot's call center operations, handling customer inquiries with natural language processing.
• Salesforce (Marketing Cloud)coreTechnology or IntegrationEmail marketing automation and personalization platform used for Wüstenrot's newsletter, customer communication, and marketing campaigns.
• Wüstenrot & Württembergische AG (W&W-Gruppe)coreStrategic or Co-development PartnerParent company and insurance group providing integrated financial services ecosystem including life insurance, property insurance, and asset management alongside Wüstenrot's building society products. Includes Württembergische Lebensversicherung AG for insurance-linked investment products.
• 400 Baufinanzierung PartnerbankencoreChannel Partner/ Reseller/ DistributorNetwork of 400 partner banks whose mortgage conditions are compared to offer customers the best Baufinanzierung rates available.

Scale indicators6 records

Recent moves8 records

Expansion highlights5 records

Direct peers

• Schwäbisch Hall (Bausparkasse Schwäbisch Hall): Germany's largest Bausparkasse and the closest direct competitor to Wüstenrot, operating an identical building savings contract model with similar tariff structures, government subsidy mediation, and field advisor distribution. Both compete head-to-head on Bausparsumme, Abschlussgebühr, and loan interest rates across the German market.
• BHW Bausparkasse (now part of Deutsche Bank): A major German Bausparkasse now owned by Deutsche Bank, competing directly with Wüstenrot on Bausparen tariffs and Baufinanzierung. BHW targets a similar homeowner/prospective homeowner demographic and distributes through Postbank branches, creating overlap with Wüstenrot's partner-bank distribution model.
• LBS (Landesbausparkassen): Federation of regional German state-building societies offering the same Bausparen and Baufinanzierung product set as Wüstenrot. LBS is among the top three Bausparkassen in Germany by volume and competes most directly in the savings contract origination, government subsidy access, and regional advisor distribution segments.
• Debeka Bausparkasse: Mutual insurance-affiliated Bausparkasse offering competing building savings contracts and construction financing, frequently used as a comparable for tariff pricing and government-subsidy product design in the German market. Most directly comparable to Wüstenrot's integrated financial-services-within-W&W-Group model.
• Alte Leipziger Bausparkasse: Mid-sized German Bausparkasse within the Alte Leipziger insurance group, mirroring Wüstenrot's Bausparvertrag-plus-Baufinanzierung product architecture. Comparable on customer segment (individual homeowners), advisor distribution model, and integration with affiliated insurance products for bundled offerings.

Emerging players

• Interhyp: Germany's largest independent mortgage broker, intermediating Baufinanzierung across 400+ lender products. Wüstenrot explicitly compares against Interhyp and partner banks for mortgage origination; Interhyp represents the digital-native distribution threat and a partial substitute for Wüstenrot's Baufinanzierung and Anschlussfinanzierung offerings.
• Dr. Klein ( mortgage broker): Major German mortgage broker intermediating construction and follow-up financing across multiple lenders — a direct substitute for Wüstenrot's Anschlussfinanzierung and Modernisierungskredit lines, especially via the same digital advisor/branch-hybrid model. Comparable in targeting refinancing-driven homeowner segments.

Broad incumbents

• ING-DiBa (ING Germany): One of Germany's largest direct banks offering Baufinanzierung, Tagesgeld, and Festgeld that directly overlap Wüstenrot's Top Tagesgeld, Top Festgeld, and construction loan products. Competitor specifically named in Wüstenrot's mortgage partner network and represents the incumbent digital-bank benchmark against which Wüstenrot's hybrid advisor-plus-digital model must compete.
• Commerzbank: A major German universal bank that simultaneously distributes Wüstenrot Bauspar products as a partner and competes for mortgage and deposit business with its own offerings. As both customer and competitor, Commerzbank represents the embedded dual-channel relationship that defines Wüstenrot's distribution model.
• Allianz Lebensversicherung: W&W Group's closest counterpart within a diversified financial services group; Allianz operates Germany's largest insurance network, distributes Wüstenrot Bauspar products as a core channel partner, and bundles its own Riester/Eigenheimrente-adjacent savings products. Directly comparable as an integrated insurance-and-home-finance provider competing for the same homeowner-customer wallet.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/wuestenrot-bausparkasse-ag
• Instagraminstagram.com/wuestenrot
• Facebookfacebook.com/wuestenrot.wohnwuensche
• YouTubeyoutube.com/user/Wuestenrot
• Pinterestpinterest.com/wuestenrot

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries3 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 Wüstenrot Bausparkasse AG