APK Vorsorgekasse

What APK Vorsorgekasse does

APK Vorsorgekasse AG is an Austrian corporate staff provision fund (betriebliche Vorsorgekasse) operating under the BMSVG framework since its 2003 founding. The company manages employee severance pay entitlements (Abfertigung Neu) for Austrian employers, self-employed persons, and specific professional groups including attorneys-at-law and various Freiberufler (physicians, veterinarians, pharmacists, notaries, business trustees). As a specialized bank (Spezialbank) under Section 1 Abs 1 Z 21 BWG, the firm operates under FMA supervision and provides a 100% capital guarantee on all contributions equal to 1.53% of gross monthly remuneration from employers and self-employed contributors.

The firm's core technology stack comprises a proprietary online customer portal (kontostand.at) and a mobile application for iOS and Android, the latter being the first smartphone app offered by any Austrian Vorsorgekasse (launched 2019, overhauled 2020 with direct in-app disposal functionality). Investment management is built around the proprietary APK SIGMA framework integrating economic, societal, and ecological criteria and is supported by a centralized, organizationally independent risk management unit covering market, interest, credit, currency, liquidity, operational, and technological risks. Service delivery is anchored by qualified in-house phone staff handling 25,000+ calls annually with sub-6-second average wait time, complemented by multilingual Crisp Chat support and eyepin VX-powered newsletters.

Revenue is generated through recurring administrative fees of 1.3% on contributions (as of 2020), which the firm explicitly positions as the lowest-cost offering among Austria's seven Vorsorgekassen, supplemented by asset-based investment returns across bonds, equities, alternatives, property, and money market. Distribution relies on direct employer onboarding (companies must select a Vorsorgekasse within six months of new employment), social security institution (SVS) routing for self-employed, and digital self-service channels. The company is 100% owned by APK Pensionskasse AG as part of a five-company APK Group with approximately 100 employees, operating from Vienna (Thomas-Klestil-Platz 13, 1030 Wien) and a branch office in Linz (Stahlstraße 2-4, 4020 Linz).

Name

APK Vorsorgekasse

Legal name

APK Vorsorgekasse AG

Website

https://apk-vk.at

Company type

Private

Founded year

2003

Operating status

Operating

Headcount range

1–10 employees

Short description

APK Vorsorgekasse AG is an Austrian corporate severance provision fund operating under BMSVG law, managing 1.53% employer contributions for thousands of Austrian employers, self-employed persons, and professional groups via proprietary digital portal and Austria's first Vorsorgekasse mobile app.

Ownership category

akta.pro rank

Product category

Occupational Pension Administration

NAICS

Insurance and Employee Benefit Funds (5251), Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292), Pension Funds (525110), Professional Employer Organizations (56133)

SIC

Investment Advice (6282)

akta.pro primary industry

Benefits Administration & Total Rewards Outsourcing (BPACAKAE)

akta.pro secondary industries

Employee Benefits Brokerage & Consulting (FSAEADAC), Compensation, Benefits & Total Rewards Advisory (BPACAJAG)

Keywords

• Employee provident fund
• Pension contributions
• Severance pay management
• Occupational pension scheme
• Retirement savings Austria

Headquarters

HQ city

Vienna

HQ country

Austria

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Revenue model

1. Contribution-based Asset Management Fees: APK Vorsorgekasse generates revenue through managing employee severance contributions. Employers pay 1.53% of monthly gross remuneration including special payments. The company earns administrative fees (1.3% of contributions as of 2020) for managing, investing, and ultimately distributing these severance entitlements. Revenue is recurring based on ongoing contribution flows and assets under management.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels6 records

Core offering

APK Vorsorgekasse is an Austrian employee provident fund (Abfertigung Neu) that manages statutory severance pay contributions transferred by employers. The company invests employee contributions in a diversified capital fund and administers payouts upon retirement, occupational disability, or other qualifying events as defined by Austrian law.

Product overview

APK Vorsorgekasse operates as a corporate staff and self-employment provision fund under Austrian BMSVG law, providing a comprehensive platform for managing severance pay entitlements. The core offering consists of the main provision fund service with integrated investment management, supplemented by the kontostand.at online portal and mobile app for 24/7 account access. Key modules include account merging services for consolidating entitlements from multiple providers, entitlement to disposal services, and the APK SIGMA sustainable investment concept. The company also provides customer support via Crisp Chat, newsletter subscriptions, and maintains third-party certifications including ÖGUT Gold and Austrian Eco-label for its investment funds. With approximately 100 employees and operations in Vienna and Linz, APK focuses on sustainability, low costs, and digital-first service delivery.

Differentiator

Problem solved

Functional benefit

Products and services

• APK Vorsorgekonto
• APK Veranlagung
• APK Leistungsfälle (Benefit Payments)
• APK Firmenkunden-Service (Employer Service) B2B service for Austrian employers that handles the administrative transfer of monthly statutory severance contributions (Abfertigung Neu) for their workforce, including onboarding, contribution reporting, and compliance.

Quantifiable outcome

• Administrative costs of 1.3% on contributions vs industry average
• +3 more outcomes

Named customers1 record

Segments4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature2 records

Partnerships

Five partnerships are on record, tiered core and minor.

• rfu – Mag. Reinhard Friesenbichler UnternehmensberatungcoreStrategic or Co-development Partnerrfu provides sustainability consulting to APK Vorsorgekasse AG for sustainable portfolio orientation. The entire process from strategic conceptualization to establishing criteria and embedding in the investment process is analyzed and optimized. Investment guidelines include sustainability principles, exclusion/inclusion criteria, sustainability categories, integration into investment process, and rating/controlling procedures.
• KPMG Austria GmbHcoreOthersKPMG Austria GmbH Wirtschaftsprüfungs- und Steuerberatungsgesellschaft serves as the external auditor for APK Vorsorgekasse AG. Located at Porzellangasse 51, 1090 Wien.
• Amundi Planet Emerging Green OneminorStrategic or Co-development PartnerAPK participated in the world's largest Green Bond fund launched March 16, 2018 with volume of $1.42 billion. This is the first Green Bond strategy focused exclusively on Emerging Markets green bonds.
• Mercer (Austria) GmbHminorStrategic or Co-development PartnerInternational consulting firm that publishes performance comparisons for Austrian pension funds and Vorsorgekassen. APK ranked first in Q1 2019 with +4.17% vs second place at +2.98%.
• BDO AustriacoreOthersEconomic and tax advisory firm that performs analysis and overall evaluation for Der Börsianer ranking of Austrian financial market participants.

Scale indicators8 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Erste Group Bank AG: Major Austrian banking group distributing pension and Vorsorgekasse products (via S-Vorsorge). Competes indirectly through bundled financial offerings and cross-sell to employer clients.
• APK Pensionskasse AG: Parent company of APK Vorsorgekasse, operating complementary corporate pension fund services within the same APK Group. Provides broader pension/retirement offerings beyond just severance pay entitlements.

Others

• Amundi Asset Management: European asset manager that co-created the world's largest emerging markets Green Bond fund (Planet Emerging Green One, $1.42bn) which APK participated in. Functions as investment infrastructure partner rather than direct competitor.
• Mercer (Austria) GmbH: International consulting firm publishing performance comparisons for Austrian pension funds and Vorsorgekassen. Provides benchmarks (e.g., Mercer rankings) that directly influence employer selection of Vorsorgekasse providers.

Direct peers

• VBV-Pensionskasse AG: One of the largest Austrian Vorsorgekassen, directly competing with APK under the same BMSVG regulatory framework. Operates as both corporate pension fund and severance pay provider with similar employer and self-employed customer segments.
• S-Vorsorge AG: Austrian Vorsorgekasse affiliated with Erste Group/ Sparkassen sector, competing head-to-head with APK for the same employer contributions under BMSVG with similar product features and customer base.
• Valida Pension AG: Austrian Vorsorgekasse providing the same severance pay fund services under BMSVG, with comparable target customer segments of employers, self-employed, and independent professionals.
• Bonus Vorsorgekasse AG: Austrian Vorsorgekasse competing for the same employer and self-employed segments under BMSVG. One of the 7 licensed players in Austria with similar product structure and investment approach.
• Allianz Pension Partners Vorsorgekasse AG: Subsidiary of Allianz Group operating an Austrian Vorsorgekasse with the same BMSVG mandate. Directly comparable product offering for employer severance contributions, leveraging Allianz's broader insurance distribution network.
• Merkur Vorsorgekasse AG: One of the seven Austrian Vorsorgekassen operating under identical BMSVG rules, directly competing for employer contributions and self-employed registrations in the same regulated market.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks1 record

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/apk-vorsorgekasse-ag

Compliance5 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 APK Vorsorgekasse