Bankhaus Hafner

What Bankhaus Hafner does

Bankhaus Hafner (legal entity: Bankhaus Anton Hafner KG) is a BaFin-supervised independent private bank headquartered in Augsburg, Bavaria, operating three physical branches in Augsburg, Zusmarshausen, and Dinkelscherben. Founded around 1900 and continuously owned by the Hafner family across more than a century, the bank serves individual and retail customers in the Swabia region with a relationship-based advisory model, organized as a Kommanditgesellschaft under the management of Anton Hafner, Christian Hafner, Thomas Hafner, and Dr. Wolfgang Illig.

The bank's product set spans five service categories: Geldanlage (investment and securities advisory), Finanzierung (real estate, consumer, and development lending), Edelmetalle (physical precious metals), Konten & Karten (current accounts, Girocard, Mastercard/Visa, Wero, and real-time transfers), and Versicherungen (insurance distributed through a partner). Distribution combines branch-based advisory with a self-service digital platform comprising an Online-Banking web portal and a mobile Banking-App, supplemented by the CashPool ATM network (~2,800 ATMs nationwide) and integrations with Gini GmbH for AI-powered photo invoice capture, DZ BANK for card issuance and Swift processing, and YellowMap / Google Maps for branch locator functionality. The underlying core banking technology is hosted via Atruvia (indicated by Scene7 asset hosting), with no proprietary platform disclosed.

The business model is a traditional relationship-banking model: spread income from deposits and lending, commission income from brokerage, precious metals, and insurance intermediation, and fee income from payment and card services. Pricing is not publicly disclosed and is conducted on a quote-based, relationship-specific basis typical of small German Privatbanken. Revenue is not disclosed publicly. The bank holds direct membership in the deposit protection scheme of the Bundesverband deutscher Banken e.V., distinguishing it from subsidiaries of larger banking groups.

Name

Bankhaus Hafner

Legal name

Bankhaus Anton Hafner KG

Website

https://hafnerbank.de

Company type

Private

Founded year

1900

Operating status

Operating

Headcount range

11–50 employees

Short description

Bankhaus Hafner is a family-owned, BaFin-supervised independent private bank in Augsburg, Bavaria, offering retail banking, lending, investment, precious metals, and insurance products to individual customers across three branches and a digital banking platform.

Ownership category

akta.pro rank

Product category

Private / Retail Banking

NAICS

Depository Credit Intermediation (5221)

SIC

Personal Credit Institutions (6141), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Private Banking Lending (Securities-Backed, Real Estate, Structured Credit) (FSABADAE)

akta.pro secondary industries

Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL), Wealth Lending & Credit Solutions (Lombard/Margin, Mortgages, Structured Credit) (FSAAABAG)

Keywords

• Retail banking services
• Private banking advisory
• Consumer lending
• Precious metals trading
• Wealth management advisory

Headquarters

HQ city

Augsburg

HQ country

Germany

HQ region

Europe

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Distribution channels3 records

Marketing channels1 record

Core offering

Bankhaus Hafner is a family-owned independent private bank operating three branches in Bavaria (Augsburg, Zusmarshausen, Dinkelscherben) and an online/mobile banking platform. It delivers full-service retail and private banking to individual customers — including current accounts and payment cards (Girocard, Mastercard, Visa), investment and savings advisory (Geldanlage), consumer and real-estate lending (Finanzierung), physical precious-metals investment (Edelmetalle), and partner-distributed insurance (Versicherungen), supported by a Creditreform-adjacent onboarding flow, CashPool ATM reach, and Wero instant payments.

Product overview

Bankhaus Hafner operates as an independent private bank offering a unified digital banking platform with specialized financial services. The core offering comprises Online-Banking (web portal) and Banking-App (mobile application) as the primary customer-facing platforms. These integrate five key service categories: Geldanlage (investment/wealth management), Finanzierung (financing/lending), Edelmetalle (precious metals trading), Konten & Karten (accounts and cards including girocard and Mastercard/Visa), and Versicherungen (insurance through a partner). The bank also provides a Multibanking add-on service for managing accounts across multiple institutions. The digital channels support Wero payments, photo-based invoice scanning via AI, real-time transfers, and ATM access through the CashPool network. Accessibility-compliant information is available for all major service categories including mortgage loans, consumer credit, overdrafts, deposits, payment services, and securities.

Differentiator

Problem solved

Functional benefit

Products and services

• Online-Banking Web-based digital banking portal that lets private customers manage accounts, execute transfers (including instant and Wero payments), upload invoices, view statements, and access investment, financing, and precious-metals services.
• Banking-App Mobile banking application (iOS/Android) that gives retail customers smartphone access to account management, card controls, transfers, and Fotoüberweisung photo-based invoice scanning powered by Gini GmbH AI.
• Geldanlage (Investment / Wealth Advisory) Investment and wealth-management service line for private customers covering savings products, securities brokerage, and financial advisory delivered on an advisory-not-sales basis.
• Finanzierung (Lending) Lending service line for private customers providing real-estate financing (Immobiliar-Verbraucherdarlehen), consumer loans (Verbraucherdarlehen) and development/subsidised loans (Förderdarlehen).
• Edelmetalle (Precious Metals) Precious-metals investment service that lets private customers purchase and hold physical precious metals (e.g. gold) as a store of value.
• Konten & Karten (Accounts and Cards) Account and card product line for private customers comprising current accounts (Girokonto), Girocard debit cards, Mastercard and Visa credit cards, instant SEPA transfers (Echtzeitüberweisung), Wero payments, and overdraft facilities.
• Versicherungen (Insurance) Insurance products distributed to private customers in partnership with an external Vorsorgepartner, providing comprehensive coverage solutions.
• Junge Kunden (Young Customers) Dedicated banking offering for young customers combining accounts, cards, and digital services (Online-Banking and Banking-App) tailored to independence and digital-first use.
• Wero Payment Service European payment service integrated into Online-Banking and the Banking-App that lets customers send money peer-to-peer and pay online at participating merchants, independent of account-holding bank.

Segments1 record

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

AI capability2 records

Partnerships

Five partnerships are on record, tiered supporting.

• Gini GmbHsupportingTechnology or IntegrationGini GmbH provides AI-powered invoice scanning (Fotoüberweisung / Rechnung hochladen) integrated into the bank's online banking and mobile app. The service extracts payment data from photographed or uploaded invoice documents using artificial intelligence for automated processing.
• CashPoolsupportingChannel Partner/ Reseller/ DistributorCashPool is a German ATM network alliance. As a partner bank, Bankhaus Hafner customers can withdraw cash at approximately 2,800 ATMs nationwide within the CashPool network free of charge with their Girocard.
• DZ BANKsupportingTechnology or IntegrationDZ BANK provides informational applications (e.g., stock market information, currency converters, real estate databases) embedded on the bank's website. These third-party applications are hosted on DZ BANK's servers and operated by them.
• YellowMap AGsupportingTechnology or IntegrationYellowMap AG provides the SmartMaps kartendienst (map service) used on the bank's website to display branch locations and provide directions to physical bank locations.
• Google MapssupportingTechnology or IntegrationGoogle Maps is used on the bank's website for displaying interactive maps with branch locations, enabling customers to get directions to bank branches.

Scale indicators1 record

Recent moves5 records

Expansion highlights5 records

Regional players

• Merkur Privatbank AG: Munich-based independent German private bank focused on wealth management, asset management, and private banking for HNW individuals and families. Highly comparable as a Southern-German independent Privatbank targeting private clients, offering investment advisory, lending, and account services.
• Donner & Reuschel AG: Hamburg-based independent German private bank offering private banking, asset management, and corporate banking. Comparable business model and product breadth to Bankhaus Hafner (deposits, lending, investment advisory), though operating at greater scale and with Northern German roots.
• Berenberg Bank (Joh. Berenberg, Gossler & Co. KG): Hamburg-based German family-owned private bank offering private banking, wealth management, and investment banking — directly comparable as a German independent Privatbank organised as a Kommanditgesellschaft, though considerably larger and with broader geographic reach.
• M.M. Warburg & CO (Bankhaus M.M. Warburg & CO): Hamburg-based, family-influenced German private bank offering private wealth management and corporate banking. Comparable as an independent German Privatbank serving private clients, though Warburg operates at a meaningfully larger scale than Hafner.
• Bankhaus Lampe KG: Independently-owned German private bank (Düsseldorf) offering private banking, wealth management, and capital markets services to entrepreneurial and HNW clients. Comparable as an independent, non-Group-affiliated German Privatbank, though it competes more in Northern/Western Germany.
• Bankhaus Carl Spängler & Co. AG: Austrian family-owned private bank with a near-identical operating model: multi-generational ownership, full-service banking for private clients, investment advisory, and regional branch concentration. Highly comparable business profile to Bankhaus Hafner but operating from Salzburg/Vienna rather than Bavaria.

Emerging players

• N26 Bank GmbH: Berlin-headquartered German digital-first challenger bank offering retail accounts, payments, and consumer credit via a fully mobile platform. Represents the emerging digital-native competitive threat to traditional branch-based private banks like Hafner, particularly for younger clients targeted via the bank's 'Junge Kunden' offering.

Broad incumbents

• UniCredit Bank GmbH (HypoVereinsbank): Major Bavarian-headquartered universal bank (part of UniCredit Group) offering retail, private, and corporate banking across Germany. Overlaps with Bankhaus Hafner's lending, investment, and accounts/cards offerings but at far greater scale and as part of a much wider pan-European portfolio rather than a relationship-focused private bank.

Direct peers

• VR-Bank Augsburg: Local Volksbanken/Raiffeisenbanken cooperative institution serving the same Augsburg and surrounding Bavarian Swabia area. Competes head-to-head for retail banking, deposits, consumer credit, and SME financing, with a similar branch-based advisory model to Bankhaus Hafner.
• Sparkasse Augsburg: Local public-law savings bank (Sparkasse) operating in the same Augsburg/Bavaria geography. Directly competes for retail deposits, mortgage lending (Immobiliar-Verbraucherdarlehen), and consumer loans from overlapping household and SME clients — making it the most direct competitive comparator in the bank's home market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/bankhaus-anton-hafner-kg

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 Bankhaus Hafner