Hausbank München

What Hausbank München does

Hausbank München eG (full legal name: Hausbank München eG Bank für Haus- und Grundbesitz) is a Munich-headquartered cooperative bank founded in 1908, organized as an eingetragene Genossenschaft with 251–500 employees. The institution is purpose-built around real estate and property management banking, serving private landlords, homeowners' associations (WEGs), professional property managers, and private banking clients in Germany, with a primary geographic concentration in Bavaria.

The bank's product portfolio spans four pillars: (1) real estate financing, including a Germany-wide unique fully digital four-step application track for WEG-Darlehen (homeowners' association loans) and special financing products; (2) HB-Kautionen, a digital rental deposit management service enabling private landlords to administer up to 49 deposit accounts online; (3) property management software under the VS3 ERP and imveon brands, built on the foundation of Giesse + Partner Software GmbH acquired in April 2024; and (4) insurance and investment distribution via partnerships with Allianz, R+V Versicherung, Versicherungskammer Bayern, Bayerische Hausbesitzer-Versicherungs-Gesellschaft, Union Investment, GENO Broker, TeamBank, and GENO Energie. The bank operates a digital banking portal, the MyBanking App on iOS/Android, in-person Beratungscenter for advisory services, and the imveon ON TOUR field event series for software distribution. Technology is conventional banking and ERP architecture — no AI/ML capabilities are disclosed.

Hausbank München's revenue mechanics are diversified across traditional banking interest income (loans), software subscription fees (VS3/imveon), insurance commissions (acting as ungebundener Versicherungsvertreter), and private banking advisory fees. Pricing is quote-based and not publicly disclosed. GTM combines direct advisory sales with digital self-service and field events. As a cooperative, the bank is member-owned, with no external funding rounds, no parent company, and no public listing; growth is funded through retained earnings and member shares.

Name

Hausbank München

Legal name

Hausbank München eG Bank für Haus- und Grundbesitz

Website

https://hausbank.de

Company type

Private

Founded year

1908

Operating status

Operating

Headcount range

251–500 employees

Short description

Hausbank München eG is a Munich-based cooperative bank founded in 1908 that specializes in real estate financing, digital rental deposit management, and property management software for private landlords, homeowners' associations, and property managers in Germany.

Ownership category

akta.pro rank

Product category

Cooperative Real Estate Banking

NAICS

Finance and Insurance (52), Residential Property Managers (531311), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Mortgage Bankers & Loan Correspondents (6162), Savings Institution, Federally Chartered (6035), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Agency (GSE) Multifamily Lending (FSALADAD)

akta.pro secondary industry

Account & Balance Services (Operating accounts, statements, eBAM) (FSABAIAD)

Keywords

• Real estate banking
• Cooperative banking services
• Property management software
• Mortgage financing
• Rental deposit management

Headquarters

HQ city

Munich

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Banking Interest Income: Traditional banking revenue from interest on loans including WEG loans and mortgage financing for property owners and housing associations.
2. Rental Deposit Management (HB-Kautionen): Fees from managing rental deposit accounts for private landlords and housing associations.
3. Property Management Software (VS3 / imveon): Revenue from software products for property management including VS3 ERP and the imveon platform, acquired via the Giesse + Partner acquisition in April 2024.
4. Insurance Distribution: Commission income from acting as an insurance agent (ungebundener Versicherungsvertreter) for insurance partners including R+V Versicherung, Allianz, Bayerische Hausbesitzer-Versicherungs-Gesellschaft, and Versicherungskammer Bayern.
5. Private Banking Services: Wealth management, investment advisory, and banking services for high-net-worth private clients, including accounts, payment services, and investment products.

Go-to-market motion2 records

Distribution channels4 records

Marketing channels10 records

Core offering

Hausbank München eG is a cooperative bank that provides real estate-focused banking products including WEG (homeowners' association) loans with a Germany-unique fully digital application process, rental deposit account management (HB-Kautionen) for private landlords, private banking and wealth management services, and special real estate financing. Through its subsidiary imveon and the acquired Giesse + Partner Software GmbH, the bank also sells property management ERP software (VS3, imveon) to professional property managers and housing companies.

Product overview

Hausbank München eG is a cooperative bank (Genossenschaftsbank) specializing in real estate and property finance. The company offers a portfolio of financial products and software solutions including rental deposit management (HB-Kautionen), WEG loans with a unique digital application process, and property management software through its VS3 ERP platform and the imveon brand. In April 2024, Hausbank München acquired Giesse + Partner Software GmbH to expand its software offerings for the housing industry. The bank operates as a member-owned institution founded in 1908.

Differentiator

Problem solved

Functional benefit

Brands

• imveon: Modern software for efficient property management, including an ERP platform for housing management
• HB-Kautionen
• VS3

Products and services

• HB-Kautionen (Mietkautionen) Digital rental deposit management service that allows private landlords in Germany to set up and manage up to 49 rental deposit (Mietkaution) accounts through an online channel, replacing manual deposit account administration.
• WEG-Darlehen Homeowners' association (WEG) loan product with a fully digital, four-step online application process, used by WEGs in Germany to finance communal property maintenance, renovation, and modernization.
• VS3 ERP Property Management Software ERP platform for professional property managers and housing companies, providing comprehensive software solutions for residential property and housing administration; originally developed by Giesse + Partner Software GmbH and now part of the bank's software portfolio.
• imveon ERP Platform Modern ERP platform for efficient property management, offered by Hausbank München to professional property managers and housing companies as the bank's proprietary digital property-management software brand, promoted via imveon ON TOUR events.
• Private Banking Services Personalized wealth management, investment advisory, accounts, payment services, and investment products for high-net-worth private clients in the Munich/Bavaria region, delivered through dedicated Beratungscenter (advisory centers) with appointment-based consultation.
• Spezialfinanzierung (Special Real Estate Financing) Specialized real-estate financing solutions offered by the bank to property owners and investors, complementing its standard WEG loan and mortgage products.

Named customers2 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Eleven partnerships are on record, tiered core and minor.

• Giesse + Partner Software GmbHcoreStrategic or Co-development Partner · 1 April 2024Hausbank München eG acquired Giesse + Partner Software GmbH, a software specialist for the housing and property management industry, in April 2024. The company has been integrated into the bank's technology portfolio and its products serve as the foundation for the imveon ERP platform. This acquisition represents a core strategic investment in the bank's digital property management software capabilities.
• imveoncoreTechnology or Integrationimveon is a modern ERP platform for efficient property management developed and offered by the Hausbank München. The bank directs customers to imveon.de and conducts 'imveon ON TOUR' events to bring the platform to customers. Imveon represents the bank's proprietary digital offering for the property management software market.
• novo.ecominorGTM or Marketing PartnerHausbank München partners with novo.eco to offer customers support for energy-efficient renovation, particularly heat pump installations. The bank directs customers to novo.eco as part of its sustainability-focused advisory ('Sanieren leicht gemacht').
• AllianzminorChannel Partner/ Reseller/ DistributorAllianz is one of the insurance partners for whom Hausbank München acts as an insurance agent (ungebundener Versicherungsvertreter). Insurance products are offered as part of the bank's comprehensive financial services. The bank receives commissions for successfully brokered insurance contracts.
• R+V VersicherungminorChannel Partner/ Reseller/ DistributorR+V Versicherung is listed as one of the insurance partners for the bank's insurance distribution activities. The bank operates as an ungebundener Versicherungsvertreter (non-tied insurance agent) under § 34d Abs. 1 GewO. External employees from R+V Versicherung are also involved in the advising process.
• Versicherungskammer Bayern (VKB)minorChannel Partner/ Reseller/ DistributorVersicherungskammer Bayern is one of the insurance partners for the bank's insurance distribution business. Insurance products from VKB are offered to customers through the bank's advisory channels.
• Bayerische Hausbesitzer-Versicherungs-Gesellschaft a.G.minorChannel Partner/ Reseller/ DistributorBayerische Hausbesitzer-Versicherungs-Gesellschaft a.G. is one of the insurance partners specifically serving the bank's focus on property owners and landlords. This partnership aligns with the bank's real estate specialization.
• TeamBankminorChannel Partner/ Reseller/ DistributorTeamBank is listed as a partner through which contracts can be processed, with a link provided to their widerruf (revocation) page, suggesting TeamBank offers consumer finance or credit products that can be managed through the bank's platform.
• Union InvestmentminorChannel Partner/ Reseller/ DistributorUnion Investment is one of the investment partners listed on the bank's partner page, indicating the bank offers Union Investment fund products as part of its investment advisory services.
• GENO BrokerminorChannel Partner/ Reseller/ DistributorGENO Broker is listed as a partner for contracts that can be processed through the bank, suggesting a securities brokerage or investment platform partnership.
• GENO EnergieminorChannel Partner/ Reseller/ DistributorGENO Energie is listed as an energy partner, indicating the bank may facilitate energy contracts or has a co-marketing relationship related to energy services, potentially linked to the bank's sustainability and energy renovation advisory.

Scale indicators2 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Berlin Hyp: Specialist German real estate bank focused on commercial and residential property financing; comparable as a niche real estate lender targeting institutional and professional property clients.
• Aareal Bank: Listed German bank specializing in real estate financing and software/services for the housing industry (Aareon); directly comparable on both the specialist lending and property management software axes.
• Bausparkasse Schwäbisch Hall: German building society (Bausparkasse) providing residential real estate financing and savings products, frequently distributed through cooperative banks; comparable on residential mortgage and homeowner savings products.
• Münchener Hypothekenbank: Munich-headquartered specialist mortgage bank focused on residential and commercial real estate financing; directly comparable to Hausbank München's WEG and mortgage lending franchise within the same city and customer segment.

Emerging players

• Haufe Group: German software and content provider for real estate management, tax, and HR; comparable as a property management / ERP software peer whose customers overlap with Hausbank München's property manager base.
• DATEV: German cooperative IT and software provider for tax advisors, accountants, and property managers; overlaps with Hausbank München's property management software ambition through similar cooperative DNA and customer base.
• Casavi: German property management SaaS platform for residential property managers and housing companies; comparable as a direct competitor to the imveon/VS3 ERP software offering within the same property manager segment.

Broad incumbents

• DZ Bank: Central institution of the German cooperative banking network (Volksbanken Raiffeisenbanken), of which Hausbank München is a member; comparable as a wider cooperative banking platform with real estate lending capabilities.
• Volksbanken Raiffeisenbanken: Network of German cooperative banks (Genossenschaftsbanken) with overlapping private banking and real estate financing offerings; comparable as same-structure cooperative competitors in adjacent geographies.
• Sparkasse: German public-law savings banks group offering real estate financing, accounts, and insurance distribution to retail and landlord customers; a large incumbent overlapping on the same target segments.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• YouTubeyoutube.com/@hausbankmuenchen
• Facebookde-de.facebook.com/Hausbank-M%C3%BCnchen-121348467944851/?ref=page_internal
• LinkedInlinkedin.com/company/hausbank-muenchen
• Instagraminstagram.com/hausbankmuenchen

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries2 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 Hausbank München