cashpresso

What cashpresso does

Cashpresso is a Vienna-based digital consumer lending brand operated by Raiffeisen Bank International AG (RBI), one of Austria's largest banking groups with operations across Central and Eastern Europe and approximately 16.8 million customers. The platform, founded in 2015, serves Austrian consumers with three principal products: Flexible Ratenzahlung, a revolving credit line of up to €7,000 with monthly minimum repayments starting at 3% (minimum €3); Rechnung, a 30-day interest-free invoice product capped at €1,000 and available only at partner shops; and Teilzahlung, a three-installment interest-free plan capped at €1,500. A Cashout feature allows borrowers to transfer funds from their revolving line to their own bank account, and a Bluecode integration extends the credit facility to in-store mobile payments at thousands of Austrian retailers.

The technical platform is delivered through iOS and Android apps and a web portal, with fully digital onboarding in roughly five minutes via ID Austria or Video-Ident identity verification and digital contract signing. Interest is charged at 13.99% p.a. after interest-free periods (60 days at partner shops, 30 days for invoice purchases), with no account, maintenance, or early-repayment fees. The service is distributed via direct-to-consumer digital channels and a network of partner merchants in electronics, telecom, fitness, HVAC, household goods, and automotive verticals; supplementary features include a €50-per-friend referral program capped at five invites.

Cashpresso operates under RBI's banking license and Austrian FMA/European Central Bank supervision. The company does not disclose standalone revenue and has no external funding; its growth is funded by its parent. The brand has received the Banking Check 'Bester Paymentdienst' recognition for four consecutive years and holds the Austrian E-Commerce-Gütezeichen, and it carries a 4.8/5 eKomi customer rating. Strategic positioning is that of a digital-first consumer credit overlay on a regulated Austrian bank, focused on small-ticket revolving and BNPL lending rather than a standalone challenger-bank model.

Name

cashpresso

Legal name

Raiffeisen Bank International AG

Website

https://cashpresso.com

Company type

Public

Founded year

2015

Operating status

Operating

Headcount range

11–50 employees

Short description

cashpresso is a Vienna-based digital lending platform operated by Raiffeisen Bank International, offering Austrian consumers revolving credit up to €7,000, 30-day invoice, and three-installment payment options at partner retailers via mobile app and Bluecode integration.

Ownership category

akta.pro rank

Product category

Consumer Lending

NAICS

Sales Financing (522220), Credit Card Issuing (52221)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Bill Pay, Invoicing & Payables Platforms (BPAMAFAF)

akta.pro secondary industry

Cash Advance (Online & Storefront) (FSAKAMAC)

Keywords

• Consumer lending
• Buy now pay later
• Revolving credit
• Installment payments
• Digital banking

Headquarters

HQ city

Vienna

HQ country

Austria

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Primary revenue from interest charged on revolving credit balances. Standard rate of 13.99% p.a. applies after interest-free periods. 0% interest for 60 days at partner shops or 30 days for invoice purchases.
2. Partnership/Merchant Fees: Revenue from partnerships with merchant shops where cashpresso financing is offered. Merchants pay transaction fees for processed installments.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

cashpresso is a digital consumer lending platform operated by Raiffeisen Bank International AG that offers revolving credit up to €7,000 (Flexible Ratenzahlung), 30-day interest-free invoice financing up to €1,000 (Rechnung), and 3-installment interest-free plans up to €1,500 (Teilzahlung). Austrian consumers use these products to shop at partner merchants, withdraw cash to their bank accounts, or make in-store mobile payments via the Bluecode network, with fully digital onboarding completed in approximately 5 minutes.

Product overview

cashpresso is a digital lending platform operated by Raiffeisen Bank International offering three main products: Flexible Ratenzahlung (revolving credit up to €7,000 with flexible repayments), Rechnung (30-day interest-free invoice for purchases up to €1,000), and Teilzahlung (3-installment interest-free plan up to €1,500). The platform enables users to shop at partner merchants, withdraw cash, or pay via Bluecode mobile payment. Additional features include cashout functionality and the Daikin Online-Kredit for HVAC financing. All products are fully digital with online registration, identity verification, and contract signing.

Differentiator

Problem solved

Functional benefit

Brands

• Flexible Ratenzahlung: Revolving credit product with credit limits up to €7,000, 0% interest periods at partner shops, and flexible monthly repayments starting at 3% of outstanding balance.
• Rechnung
• Teilzahlung

Products and services

• Flexible Ratenzahlung (Flexible Installment Payment) A revolving credit line offered to Austrian consumers via the cashpresso mobile app and website, providing up to €7,000 of credit that can be drawn repeatedly as it is repaid. Used for purchases at partner shops or for direct cash withdrawals to the customer's bank account. The first 2 months are interest-free at partner merchants; thereafter a variable rate of 13.99% p.a. applies, with monthly minimum repayments of 3% of the outstanding balance (minimum €3).
• Rechnung (Invoice) A buy-now-pay-later invoice product for purchases up to €1,000 available exclusively at partner shops in Austria. Customers receive their items and have 30 days interest-free to decide what to keep, paying only for items retained. Designed for consumers who want to try products at home before committing to full payment.
• Teilzahlung (Installment Payment) A 3-installment interest-free payment plan for purchases up to €1,500 at partner shops in Austria. Customers split payment across 3 monthly installments with no interest and no fees, and only pay for items they keep after trying at home.
• Daikin Online-Kredit An exclusive online credit product offered in partnership with Daikin Austria for the purchase of heat pumps and air conditioning systems through the Daikin Flagship-Store. Provides promotional financing terms to consumers for HVAC equipment at the partner merchant.

Quantifiable outcome

• 4.8/5 customer satisfaction rating on eKomi
• +1 more outcomes

Named customers8 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability2 records

Feature4 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• Bluecode GmbHcoreTechnology or IntegrationBluecode integration enables cashpresso users to pay with their phone at thousands of physical retail locations in Austria, including Billa, Billa Plus, Spar, Müller, Rossmann, and Kaufland. Users show a barcode in the cashpresso app which is scanned at checkout, with amounts deducted from their cashpresso credit limit.
• electronic4youminorChannel Partner/ Reseller/ DistributorAustrian electronics retailer offering cashpresso flexible installment payments for consumer electronics and appliances.
• McSHARKminorChannel Partner/ Reseller/ DistributorApple Premium Reseller in Austria offering cashpresso flexible installment payments for iPhones, iPads, Macs, and other Apple products.
• spusuminorChannel Partner/ Reseller/ DistributorAustrian mobile operator offering cashpresso flexible installment and invoice payment options for mobile phones and routers.
• Daikin AustriaminorChannel Partner/ Reseller/ DistributorDaikin flagship store offering heat pumps and air conditioning with exclusive cashpresso online credit promotion.
• FITSHOPminorChannel Partner/ Reseller/ DistributorFitness equipment retailer (Europe's No. 1 for home fitness) offering cashpresso flexible installment payments for fitness equipment and accessories.
• HaushaltsparadiesminorChannel Partner/ Reseller/ DistributorAustrian online shop for household accessories, appliances, and kitchen equipment offering all cashpresso payment products including flexible installments, invoice, and Teilzahlung.

Scale indicators2 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Younited Credit: European consumer lending platform offering personal loans and revolving credit directly to consumers via a digital-only process. Comparable to cashpresso's revolving credit line and digital onboarding flow, with multi-country European reach.
• Ratepay: Berlin-based BNPL provider offering invoice, installment, and direct debit payment methods for German and Austrian merchants. Operates a white-label model similar to cashpresso's partner-shop financing approach, making it a strong DACH-region comparable.
• Billie: Berlin-based BNPL fintech serving merchants with pay-later solutions including invoice and installment payments. Comparable to cashpresso's partner-shop BNPL and revolving credit products, with similar DACH merchant focus.
• Scalapay: Italian-origin BNPL platform offering pay-in-3 installments at retail merchants, now expanding across Europe. Comparable to cashpresso's Teitzahlung product in terms of merchant-integrated installment credit for consumer purchases.
• Riverty: Bertelsmann-owned European BNPL and consumer credit provider offering invoice, installment, and account-to-account payments across multiple European markets. Directly comparable business model to cashpresso's Teitzahlung, Rechnung, and revolving credit products.
• Afterpay (Block): BNPL pioneer offering pay-in-4 installment plans at retail merchants. Now part of Block Inc., Afterpay competes directly with cashpresso's installment and invoice products, though its geographic focus is Australia/US/UK rather than DACH.
• Klarna: Swedish BNPL and consumer credit platform offering pay-in-X, pay-in-30, and revolving credit through merchant integrations and a mobile app. Closest direct competitor to cashpresso's revolving credit, invoice, and installment model, though Klarna operates globally and at much larger scale.

Broad incumbents

• Santander Consumer Finance: Large European consumer finance arm of Santander Group offering auto, household, and personal loans plus credit cards across multiple European markets. Comparable to cashpresso as a bank-backed consumer credit provider, though at much larger scale and broader product scope.
• Cofidis: European consumer credit specialist (Crédit Mutuel group) offering installment loans, revolving credit, and BNPL across multiple countries including partnerships with retailers. Broader incumbent comparable to cashpresso's consumer credit and partner-shop financing model.

Regional players

• easybank (BAWAG Group): Austrian direct bank owned by BAWAG Group offering consumer loans, credit cards, and installment products to Austrian customers. Domestic Austrian peer operating in the same regulatory and competitive market as cashpresso, offering similar consumer credit products through digital channels.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/credi2-gmbh

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

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 cashpresso