What Partner Bank does

Partner Bank AG is an Austrian private bank headquartered in Linz, founded in 1992 by the Foundation for Social and Economic Development. It operates as a Beraterbank (consulting/advisory bank) — it does not issue its own bonds, funds, or certificates, which positions it as an independent product selector rather than a manufacturer. Its core offering spans wealth management (Vermögensverwaltung), investment advisory (Anlageberatung), savings products (Festgeld, Einlagenkonto), loans, and physical gold (Partner Bank Fine Gold, 999.9 LBMA Good Delivery, stored in Austrian vaults). Revenue is generated through a mix of recurring asset management and advisory fees, securities transaction and product commissions, gold sales and storage, lending interest, deposit margins, and partner network services.

The bank's distribution is built around a Haftungsdach (liability umbrella) model under which independent financial advisors and consulting firms in Austria, Germany, Czech Republic, Hungary, Slovenia, and Slovakia operate using Partner Bank's banking and securities license. Digital infrastructure — the Digitales Partner-Management platform with automated commission billing, the Digitales Fokusbuch (curated securities research), the Hybrid- & Goldportal, and the AI-supported Partner Bank Akademie — supports this partner channel and is the bank's main internal technology investment. The bank also runs a dedicated Finanzen für Frauen initiative (courses, workshops, webinars, financial consulting, the 'Wirklich reich' podcast) targeting women's financial independence.

Partner Bank serves two primary customer segments: independent financial advisors (B2B) seeking licensed infrastructure for securities and banking business, and private banking clients (B2C) reached through those partners. It is owned by a non-profit foundation, which supports its independent-advisor positioning, and it has no disclosed external institutional investors, private equity, or venture capital involvement.

Name

Partner Bank

Legal name

Partner Bank AG

Website

https://partnerbank.at

Company type

Private

Founded year

1992

Operating status

Operating

Headcount range

101–250 employees

Short description

Partner Bank AG is an Austrian private bank (Linz, founded 1992) operating as an independent Beraterbank that provides wealth management, investment advisory, physical gold, and a regulatory Haftungsdach for independent financial advisors across six CEE markets.

Ownership category

akta.pro rank

Product category

Private Banking

NAICS

Portfolio Management and Investment Advice (523940), Commercial Banking (522110)

SIC

Investment Advice (6282), National Commercial Banks (6021)

akta.pro primary industry

Private Banking Advisory & Discretionary Portfolio Management (FSABADAD)

akta.pro secondary industry

Fee-Only Advisory (FSAEAAAL)

Keywords

• Private banking services
• Wealth management
• Investment advisory
• Physical gold investment
• Partner banking platform

Headquarters

HQ city

Linz

HQ country

Austria

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Asset Management & Advisory Fees: Fees from managing client assets under discretionary management mandates (Vermögensverwaltung) and advisory services.
2. Securities Transaction & Product Fees: Transaction fees, commissions, and product margins from securities products including stocks, bonds, funds, ETFs, and structured products distributed through the partner network.
3. Physical Gold Sales & Storage: Revenue from physical gold bar sales (one-time purchases and savings plans) and associated storage services in Austrian vaults.
4. Lending Operations: Interest income from credit products including instant credit offered to customers and partners.
5. Deposit Products: Interest margin income from savings deposits (Tagesgeld, Festgeld) and current account balances.
6. Partner Network Services: Services provided to financial advisors operating under the bank's liability umbrella, including compliance oversight and operational support.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels9 records

Core offering

Partner Bank AG is an Austrian private bank (Privatbank) headquartered in Linz that operates as a consulting/advisory bank (Beraterbank) and pension/savings bank (Vorsorgebank). It delivers wealth management (Vermögensverwaltung), investment advisory (Anlageberatung) across stocks, bonds, funds, ETFs, and structured products, alongside physical gold investment (Partner Bank Fine Gold), savings products (Festgeld, Einlagenkonto), and lending (instant credit). The bank also operates a regulatory liability umbrella (Haftungsdach) allowing independent financial advisors to operate under its banking license across six Central European countries, supported by digital partner management, e-learning, and a women's financial education program.

Product overview

Partner Bank is an Austrian private bank headquartered in Linz, founded in 1992, that operates as a partnership-focused advisory bank (Beraterbank) and savings bank (Vorsorgebank). The bank's product portfolio centers on a platform-plus-partner model comprising core banking products including wealth management (Vermögensverwaltung), investment advisory (Anlageberatung), and savings products (Festgeld, Einlagenkonto) alongside its signature Partner Bank Fine Gold physical gold investment offering. The bank provides a regulatory umbrella (Haftungsdach) for financial advisors across Austria, Germany, Czech Republic, Hungary, Slovenia, and Slovakia. Digital infrastructure includes the Digitales Fokusbuch for curated securities research, the Digitales Partner-Management platform for advisor operations, and the Hybrid- & Goldportal for online applications. The bank has developed a dedicated Finanzen für Frauen sub-brand encompassing financial courses, workshops, webinars, personal consultations, and the 'Wirklich reich' podcast—all designed to address women's specific financial challenges including the gender pension gap. The Partner Bank Akademie supports advisor development through AI-supported e-learning. The offering architecture positions the bank as a comprehensive financial services partner combining traditional banking products with modern digital platforms and specialized financial education initiatives.

Differentiator

Problem solved

Functional benefit

Brands

• Partner Bank Fine Gold: Physical gold offering of the highest quality (999.9 Fine Gold, 24 Karat) with 'Good Delivery' quality guarantee, stored in Austrian vaults.
• Partner Bank Akademie
• Finanzen für Frauen
• Wirklich reich

Products and services

• Vermögensverwaltung (Wealth Management) Modern discretionary wealth management service for investors who do not wish to actively manage their portfolios, offering diversified investment strategies across multiple asset classes through Partner Bank AG.
• Anlageberatung (Investment Advisory) Independent investment advisory service providing access to stocks, bonds, funds, ETFs, and structured products, delivered through financial advisors operating under Partner Bank's regulatory umbrella.
• Partner Bank Fine Gold (Physical Gold Investment) Physical gold investment product offering 999.9 Fine Gold (24 Karat) bars with LBMA 'Good Delivery' quality guarantee, stored in Austrian bank vaults. Available as one-time purchase or via regular gold savings plan (Gold-Sparplan).
• Ansparprodukte (Savings Products) Savings products including fixed-term deposits (Festgeld) and deposit accounts (Einlagenkonto) suitable as complements to investment portfolios for portfolio diversification.
• Kredite (Loans) Loan products including Instant Credit offered to customers and partners as part of Partner Bank's comprehensive financial solutions portfolio.
• Haftungsdach (Regulatory Umbrella) Regulatory umbrella (Haftungsdach) allowing independent financial advisors and consulting companies from Austria, Germany, Czech Republic, Hungary, Slovenia, and Slovakia to conduct securities and banking business under Partner Bank's banking license, with the bank assuming regulatory liability.
• Partner Bank Akademie (Academy) Training and education facility offering AI-supported e-learning courses, seminars, workshops, exclusive webinars, and personal support for financial advisors' professional development and regulatory continuing education.
• Finanzen für Frauen (Financial Education for Women) Comprehensive women's financial education initiative supporting financial independence through courses, workshops, webinars, personal consultations, and a podcast, addressing topics such as retirement planning, investment basics, and gender pension gaps.
• Finanzkurs für Frauen (Financial Course for Women) Online financial education course for women covering budgeting, investing basics, portfolio management, debt management, retirement planning, insurance, and tax fundamentals, delivered via Microsoft Teams in interactive modules.
• Finanzpodcast 'Wirklich reich' (Financial Podcast) Financial podcast series 'Wirklich reich. Wir reden über mehr als nur Geld' (Truly Rich. We talk about more than just money) hosted by Dr. Sarvenas Enayati, featuring episodes on financial independence, investment basics, retirement planning, and financial education.
• Finanzberatung für Frauen (Personal Financial Advisory for Women) Personalized financial advisory service for women covering retirement planning, wealth planning, insurance, and inheritance topics, delivered through a structured 4-step process: introduction, analysis, strategy development, and implementation.

Quantifiable outcome

• Paper consumption reduced by over 90% through digital transformation
• +3 more outcomes

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature5 records

Partnerships

Four partnerships are on record, tiered core and minor.

• TwoWings FoundationcoreStrategic or Co-development Partner · 1 January 1996TwoWings Foundation focuses on education for young people in developing countries. Partner Bank has partnered with TwoWings since 1996, with the bank's owner being the 'Foundation for Social and Economic Development,' aligned with TwoWings' mission. Customers can support TwoWings projects through donations. The partnership includes joint initiatives like the Planting Hope project for sustainable development.
• Planting HopeminorStrategic or Co-development PartnerA project of the TwoWings Foundation focused on sustainable development through agroforestry, urban gardening, and educational programs. Planting Hope aims to improve food access, create employment for youth and families, and spread environmental hope through tree planting. Partner Bank participates in this initiative as part of its social responsibility commitment.
• Fund for Education (FFE)minorStrategic or Co-development PartnerFFE supports youth in 30 countries in the Global South by funding education and training costs, enabling young people to contribute positively to their communities. Partner Bank promotes FFE on its social engagement page and supports educational initiatives.
• Forbes Women's SummitminorGTM or Marketing PartnerPartner Bank participated in the Forbes Women's Summit 2022, where executives Elham Ettehadieh and Dr. Sarvenas Enayati shared experiences and leadership principles on women's empowerment and financial independence.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• FIL Fondsbank (FFB): German fund bank serving independent financial advisors with a Haftungsdach-style platform for fund distribution, securities services, and digital partner management. Comparable as a bank-as-platform business serving independent advisors in DACH.
• Baader Bank: German Beraterbank with a similar partner-network model providing independent financial advisors with a banking and securities license umbrella, plus wealth management, trading, and digital partner platforms. Directly comparable in distribution model and target customer (independent advisors in DACH).
• Augsburger Aktienbank (AAB): German Beraterbank focused on independent financial advisors operating under its regulatory umbrella, offering wealth management, securities services, and digital partner tools. Closely mirrors Partner Bank's Haftungsdach model with similar target market of advisors without their own banking license.

Broad incumbents

• Donner & Reuschel: Hamburg-based private bank offering wealth management, asset management, and partner-bank services for independent advisors. Overlaps with Partner Bank in private banking advisory and Haftungsdach-like services, with a broader product portfolio.
• Berenberg: One of Germany's oldest private banks offering wealth and asset management, investment advisory, and corporate banking. Overlaps with Partner Bank in private banking and discretionary portfolio management, with much broader institutional capabilities.
• Oddo BHF: European private bank headquartered in Germany/France offering private wealth management, asset management, and securities services. Comparable in private banking scale and product breadth, with broader European institutional reach.
• Vontobel: Swiss private bank and asset manager with wealth management, investment advisory, and digital banking services. Comparable in private banking and wealth advisory with much larger AUM and broader geographic footprint.
• Hauck Aufhäuser Lampe: Larger German private bank offering wealth management, asset servicing, and a partner-bank-style platform for independent advisors. Comparable in private banking and Haftungsdach model but with broader institutional services and significantly larger scale.

Regional players

• DAB BNP Paribas: German direct bank within the BNP Paribas group offering securities trading, savings, and partner/advisor services. Comparable in serving advisors and offering securities infrastructure, though operating under a much larger banking group structure.

Emerging players

• European Commodity Clearing (ECC) / Auvesta (gold peer): German gold trading platform offering physical precious metals investment products with vault storage. Comparable as a digital gold investment and savings plan provider, though without the broader banking platform Partner Bank offers.

Market position

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/partnerbank.at
• LinkedInlinkedin.com/company/partner-bank-ag
• Instagraminstagram.com/partner_bank_ag

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 Partner Bank