Start Bausparkasse
- Company typePrivate
- Founded1929
- HeadquartersWienau, Austria
- Headcount101–250
- GTM typeB2C
- OfferingServices
What Start Bausparkasse does
Start Bausparkasse (legal name: start:bausparkasse AG) is an Austrian credit institution (Kreditinstitut/Bausparkasse) founded in 1929 and headquartered at Wiedner Gürtel 11, 1100 Vienna, operating exclusively within Austria under supervision of the Finanzmarktaufsicht (FMA). The company is wholly owned by BAWAG P.S.K. Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse Aktiengesellschaft, which in turn sits within BAWAG Group AG. Its core business is the Bauspar system — a state-supported savings-and-loan mechanism in which customers accumulate savings contributions (Bausparbeiträge) over a multi-year savings phase, earn a statutory Bausparprämie of up to EUR 18 per year, and subsequently become eligible for Bauspardarlehen (building savings loans) with guaranteed fixed interest rates over 20- or 30-year terms.
The product portfolio is structured around three core pillars: youth building savings (Jugendbausparen, for under-25s), standard building savings (Bausparen, for 25+), and building savings loans (Bauspardarlehen) with fixed 20- or 30-year terms, all available through both a partner-assisted Vertriebspartner channel and a direct online channel. Supporting services include an online Bausparrechner (savings calculator), an Upload Center for document submission, credit deferral (Kreditstundung), and complaint management. Underwriting is constrained by the Bauspar framework itself rather than discretionary credit decisioning.
Revenue is generated through three streams: recurring Bausparbeiträge (savings deposits) which the company pools and on which it pays interest, interest income on the Bauspardarlehen loan book (the primary revenue driver given duration), and recurring account management fees (Kontoführungsentgelt) per the Bausparvertrag terms. Pricing is not fully publicly disclosed; promotional activity (Sommerbonus of EUR 100 for classical Bausparen or EUR 50 for PLUS-Bausparen, valid through 31.07.2026) is used to stimulate new contract originations. Customer segments are retail individuals split by age (under 25 / 25+), with use cases spanning real estate purchase, construction, renovation, care (Pflege), and education (Bildung). Distribution relies on dual channels: direct online self-serve (e-commerce) and certified Vertriebspartner for face-to-face consultation, with loans additionally distributed through a network of partner banks (BAWAG, Dolomitenbank, HYPO NOE, HYPO Tirol, Marchfelder Bank, BKS Bank).
Start Bausparkasse firmographics
Firmographics- Name
- Start Bausparkasse
- Legal name
- start:bausparkasse AG
- Website
- https://start-bausparkasse.at
- Company type
- Private
- Founded year
- 1929
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Ownership category
- akta.pro rank
Start Bausparkasse industry classification
Industry- Product category
- Building Savings & Housing Finance
- NAICS
- Depository Credit Intermediation (5221)
- SIC
- Savings Institutions, Not Federally Chartered (6036)
- akta.pro primary industry
- SBA/USDA Government-Backed Loan Intermediation (FSAEAEAI)
Keywords
Where Start Bausparkasse is headquartered
LocationHeadquarters
- HQ city
- Wienau
- HQ country
- Austria
- HQ region
- Europe
Offices1 record
Markets served
Start Bausparkasse business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Bausparbeiträge (Savings deposits): Customers pay regular savings contributions into their Bausparvertrag (building savings contract). The company manages these pooled savings and credits interest to savers. A state premium (Bausparprämie) of up to 18 EUR per year may be added.
- Bauspardarlehen (Building savings loans): After meeting savings targets, customers become eligible for preferential loans with guaranteed fixed interest rates (20 or 30 year terms). Interest income on these loans constitutes a primary revenue stream.
- Kontoführungsentgelt (Account management fees): Account management fees are charged for the building savings account as specified in the Bausparvertrag and General Conditions (ABB). These fees may change during the contract term.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Classical Bausparen (Classic building savings) |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels3 records
Start Bausparkasse product offering
Product offeringCore offering
start:bausparkasse AG operates as a licensed Austrian Bausparkasse selling state-subsidized building savings contracts (Bausparverträge) and fixed-interest building savings loans (Bauspardarlehen) to individual customers. Customers save regular contributions into the contract and become eligible, upon reaching the savings target, for preferential loans with guaranteed fixed interest rates of 20 or 30 years, usable for property purchase, construction, renovation, care, or education. Products are sold both directly online and via certified distribution partners, with loans originated through partner banks.
Product overview
Start-Bausparkasse AG is an Austrian building society (Bausparkasse) offering a dual-channel product portfolio centered on state-subsidized building savings (Bausparen) and associated financing products (Bauspardarlehen). The core products include Youth Building Savings (Jugendbausparen) for customers under 25 and standard Building Savings (Bausparen) for customers 25+, both available through two channels: partner-based (Vertriebspartner) and fully online. Financing products include fixed-interest building savings loans with 20-year or 30-year terms, plus an online loan option. Additional services include credit deferral support, complaint management, and document upload facilities.
Differentiator
Problem solved
Functional benefit
Products and services
- Jugendbausparen (Youth Building Savings) via Vertriebspartner State-subsidized building savings contract for individuals in Austria under 25, opened through a certified distribution partner providing face-to-face consultation. Customers save regular contributions and become eligible for a preferential Bauspardarlehen with a guaranteed fixed interest rate for housing, care, or education purposes.
- Bausparen (Building Savings 25+) via Vertriebspartner State-subsidized building savings contract for individuals in Austria aged 25 and older, opened through a certified distribution partner providing personal on-site consultation. Customers save regular contributions and qualify for a preferential Bauspardarlehen with a guaranteed fixed interest rate for purchase, construction, renovation, care, or education.
- Online Jugendbausparen (Online Youth Building Savings) State-subsidized building savings contract for individuals in Austria under 25, opened entirely online with a minimum contract sum of EUR 16,800. Saves regular contributions and provides eligibility for a preferential fixed-rate Bauspardarlehen for housing, care, or education purposes.
- Online Bausparen (Online Building Savings 25+) State-subsidized building savings contract for individuals in Austria aged 25 and older, opened entirely online with a minimum contract sum of EUR 16,800 and a Sommerbonus of EUR 100 (until 31.07.2026). Saves regular contributions and qualifies the customer for a preferential fixed-rate Bauspardarlehen for housing, care, or education purposes.
- Bauspardarlehen 20 Jahre Fixzins (Building Savings Loan 20 Years Fixed) Preferential fixed-rate building savings loan for individuals in Austria to finance real-estate purchase, construction, renovation, care, or education, with a guaranteed fixed interest rate for 20 years providing stable, predictable payments over the loan life.
- Bauspardarlehen 30 Jahre Fixzins (Building Savings Loan 30 Years Fixed) Preferential fixed-rate building savings loan for individuals in Austria to finance real-estate purchase, construction, renovation, care, or education, with a guaranteed fixed interest rate for 30 years providing long-term payment stability.
- Online Darlehen (Online Building Savings Loan) Building savings loan with fixed interest originated through the online channel for individuals in Austria, enabling fully digital contract conclusion for real-estate purchase, construction, renovation, care, or education financing.
Quantifiable outcome
- State Bausparprämie of up to 18 EUR per year for eligible savers
- +1 more outcomes
Companies that use Start Bausparkasse
Customer profileSegments2 records
Ideal customer profiles2 records
Start Bausparkasse technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Start Bausparkasse partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core.
- BAWAGcoreBAWAG bank serves as a financing partner, offering Bauspardarlehen (building savings loans) to customers.
- DolomitenbankcoreRegional Austrian bank serving as a financing partner for Bauspardarlehen products.
- HYPO NOE (HYPO NOE Landesbank für Niederösterreich und Wien AG)coreAustrian regional bank (Landesbank) serving as a financing partner for Bauspardarlehen products.
- HYPO TirolcoreTyrolean regional bank serving as a financing partner for Bauspardarlehen products.
- Marchfelder BankcoreRegional Austrian bank serving as a financing partner for Bauspardarlehen products.
- BKS Bank AGcoreAustrian bank serving as a financing partner for Bauspardarlehen products.
Scale indicators1 record
Recent moves5 records
Expansion highlights4 records
Start Bausparkasse competitors and assessment
Company assessmentBroad incumbents
- UniCredit Bank Austria AG: Large Austrian bank offering retail banking, mortgages, and consumer finance. Overlaps with start:bausparkasse's savings and housing finance products but with a much wider service portfolio.
- Volksbank Wien AG: Austrian retail and cooperative bank offering savings products, mortgages, and consumer lending. Broadly comparable as a competitor in the Austrian housing savings and lending market.
- Erste Group Bank AG: Major Austrian retail and commercial bank offering savings accounts, mortgages, and consumer credit products that compete with start:bausparkasse's offerings, though as part of a broader financial services portfolio.
- BAWAG P.S.K. Bank für Arbeit und Wirtschaft: Parent company of start:bausparkasse AG and one of Austria's largest banks. Provides general banking services, deposits, and mortgage products that overlap with start:bausparkasse's Bauspardarlehen offerings, though with a much broader product portfolio.
Direct peers
- ABK Allgemeine Bausparkasse: Austrian Bausparkasse offering state-subsidized building savings contracts and housing loans. Direct competitor operating under the same Austrian Bausparen regulatory framework.
- s Bausparkasse: Austrian Bausparkasse offering building savings contracts and loans to individuals in Austria. Closest direct competitor with near-identical product set (Bausparvertrag + Bauspardarlehen) and regulatory framework under FMA.
- Bausparkasse Schwäbisch Hall AG: Germany's largest Bausparkasse, offering state-subsidized building savings and fixed-rate housing loans. Comparable Bausparen business model adapted to the German regulatory environment.
- Wüstenrot Bausparkasse AG: Austrian/German Bausparkasse providing state-premium building savings contracts and home financing products. Comparable Bausparen model with similar fixed-rate loan structures.
- Raiffeisen Bausparkasse Gesellschaft m.b.H. Austrian Bausparkasse associated with the Raiffeisen banking group, offering state-subsidized building savings contracts and preferential housing loans. Directly comparable Bausparen product portfolio and customer segments.
- BHW Bausparkasse AG: German Bausparkasse offering building savings contracts and home loan products. Directly comparable Bausparen model with state premium equivalent and fixed-rate financing.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Start Bausparkasse social profiles
Digital presenceStart Bausparkasse financial estimates
Financial estimateRevenue estimate
Valuation estimate
Start Bausparkasse leadership team
Management profileNumber of profiles
Profiles6 records
Start Bausparkasse funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Start Bausparkasse M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Start Bausparkasse
What does Start Bausparkasse do?
start:bausparkasse AG operates as a licensed Austrian Bausparkasse selling state-subsidized building savings contracts (Bausparverträge) and fixed-interest building savings loans (Bauspardarlehen) to individual customers. Customers save regular contributions into the contract and become eligible, upon reaching the savings target, for preferential loans with guaranteed fixed interest rates of 20 or 30 years, usable for property purchase, construction, renovation, care, or education. Products are sold both directly online and via certified distribution partners, with loans originated through partner banks.
Is Start Bausparkasse a public or private company?
Start Bausparkasse is a private company. It is classified as corporate owned and is currently operating.
When was Start Bausparkasse founded?
Start Bausparkasse was founded in 1929. It employs 101 to 250 people.
Where is Start Bausparkasse based?
Start Bausparkasse is headquartered in Wienau, Austria, in the Europe region.
How does Start Bausparkasse make money?
Three revenue lines are on record. Bausparbeiträge (Savings deposits) is the primary driver. The others are bauspardarlehen (Building savings loans) and kontoführungsentgelt (Account management fees).
Who are Start Bausparkasse's main competitors?
Broad incumbents on record are UniCredit Bank Austria AG, Volksbank Wien AG, Erste Group Bank AG and BAWAG P.S.K. Bank für Arbeit und Wirtschaft. Direct peers are ABK Allgemeine Bausparkasse, s Bausparkasse, Bausparkasse Schwäbisch Hall AG, Wüstenrot Bausparkasse AG, Raiffeisen Bausparkasse Gesellschaft m.b.H. and BHW Bausparkasse AG.
Does Start Bausparkasse have an API?
No public API is recorded for Start Bausparkasse.
What industry is Start Bausparkasse in?
Start Bausparkasse's product category is Building Savings & Housing Finance. Its primary akta.pro industry code is FSAEAEAI, SBA/USDA Government-Backed Loan Intermediation. Its NAICS code is 5221 and its SIC code is 6036.