What rentcard does

rentcard is a Munich-based digital rental application platform founded in 2023 that enables tenants in Germany and Austria to create a single verified rental profile and share it with landlords. The core product is a reusable digital Application Folder (Bewerbermappe) priced at €19.99, which aggregates tenant self-disclosure, biometric identity verification (via Veriff), income and rental payment verification through PSD2 Open Banking (via finAPI), and an optional CRIF credit check (€17.99, bundled at €29.99). A free Basic Profile tier with access to exclusive partner listings serves as the top-of-funnel acquisition layer. Underlying technology is cloud-native on Google Cloud (data centre in Eemshaven, Netherlands), with Google Vertex AI Document AI used for OCR and authenticity checks, and biometric, banking, and credit data processed without being stored on rentcard servers.

The business model is a hybrid of product-led growth and B2B2C channel distribution. Tenants transact directly via the self-serve web app at my.rentcard.app, paying one-time fees (no subscription; the folder auto-terminates after 90 days). Distribution is amplified through embedded partnerships with Germany's leading property portals and property management platforms, including WG-Gesucht, ohne-makler, EverReal, and Haus + Grund Berlin, which route applicants into the verification flow. A complementary revenue stream comes from rental deposit guarantee brokerage as a registered §34d GewO insurance intermediary distributing R+V Versicherung AG products, generating commission income. The company reports 60,000+ applications processed per month, holds BaFin-via-partner PSD2 compliance, GPTI and Allianz für Cyber-Sicherheit memberships, and is funded by the Free State of Bavaria through the Bavarian State Ministry of Digital Affairs.

Name

rentcard

Legal name

rentcard GmbH

Website

https://rentcard.app

Company type

Private

Founded year

2023

Operating status

Operating

Headcount range

1–10 employees

Short description

rentcard is a Munich-based digital rental application platform that lets tenants in Germany and Austria build a one-time, verified Application Folder (identity, Open Banking income, CRIF credit) and share it with landlords via partnerships with WG-Gesucht, ohne-makler, EverReal, and Haus + Grund Berlin.

Ownership category

akta.pro rank

Product category

Tenant Screening Software

NAICS

Rental and Leasing Services (532)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Residential Lease Administration & Tenant Services (BPAJAFAL)

Keywords

• Tenant verification platform
• Rental application screening
• Digital identity verification
• Open banking income checks
• Tenant credit reports

Headquarters

HQ city

Munich

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Software

Cost components

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

Revenue model

1. Application Folder (Bewerbermappe): One-time fee for a digitally verified rental application folder containing identity verification, income verification via Open Banking, and rental history. The folder is reusable across unlimited landlord applications for 90 days (validity period). Revenue is transaction-based per purchase, not subscription-based since the service auto-terminates after 3 months without renewal.
2. CRIF Credit Report: Standalone CRIF credit check sold as a one-time purchase. Delivered as a traffic-light rating (Green/Amber/Red/Grey) with a digitally verifiable code. User decides whether to share the result with landlords.
3. Complete Application Folder (Bundle): Bundled package combining the Application Folder and CRIF Credit Report at €29.99 (instead of €37.98 separately). Sold as a one-time fee, offering better value than buying modules separately. Primary upsell/cross-sell product.
4. Basic Profile (Free Tier): Free tier containing tenant self-disclosure and personal details. Provides access to exclusive partner listings. Generates conversion funnel into paid tiers. No recurring revenue from this tier.
5. Rental Deposit Guarantee (Mietkautionsbürgschaft): Insurance product distributed via rentcard as an authorized insurance agent (Versicherungsvertreter, § 34d GewO). rentcard acts as intermediary for R+V Versicherung AG deposit guarantee products, earning commissions from the insurer. rentcard holds a registered insurance intermediary status (D-YLFS-KK8SL-52).

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

rentcard is a digital tenant verification platform that lets renters in Germany and Austria create a reusable, digitally verified rental application folder (Bewerbermappe) combining biometric identity verification, PSD2-licensed Open Banking income and rent payment verification, CRIF credit checks, and tenant self-disclosure, then share that folder with landlords via a single link. The platform is offered as a tiered SaaS product with a free Basic Profile and paid Application Folder, CRIF Credit Report, and Complete Application Folder bundle, paired with a landlord dashboard that delivers pre-verified applicant data.

Product overview

rentcard is a German digital rental application platform that enables tenants to create verified rental profiles once and share them with landlords. The product architecture consists of a free Basic Profile (tenant self-disclosure with partner listing access) as the entry tier, the paid Application Folder (€19.99) adding verified identity, income verification via Open Banking, and rental history, and a CRIF Credit Report add-on (€17.99) providing official credit checks. The Complete Application Folder (€29.99) bundles the Application Folder with CRIF credit reporting as the best-value option. For landlords, rentcard offers a B2B dashboard for reviewing verified applicant documents. The platform processes over 60,000 applications per month and is funded by the Free State of Bavaria.

Differentiator

Problem solved

Functional benefit

Products and services

• Application Folder (Bewerbermappe) Digital rental application folder that combines a tenant's verified identity (biometric check via Veriff), income and rent payment history pulled via Open Banking (finAPI, PSD2/BaFin-regulated), tenant self-disclosure (Mieterselbstauskunft), and a cover sheet into a single shareable dossier. Sold as a one-time €19.99 purchase valid for 90 days and reusable across unlimited landlord applications during the validity window; built for tenants applying for residential rentals in Germany and Austria.
• Basic Profile (Free Tier) Free entry tier that captures a tenant's self-disclosure and personal details into a reusable digital rental profile and unlocks access to exclusive partner listings, designed as a funnel into the paid Application Folder and CRIF Credit Report modules. Targeted at apartment seekers who want a reusable, standardized profile but do not yet need verified identity, Open Banking income data, or a credit check.
• CRIF Credit Report Official CRIF GmbH credit check integrated as a standalone purchase, delivering a traffic-light rating (Green/Amber/Red/Grey) and only verified negative entries, with a digital code that landlords can verify. The tenant reviews the result before deciding whether to share it. Priced at €17.99 as a one-time fee; targeted at tenants who need a recognized credit reference to strengthen a rental application in the German market.
• Complete Application Folder (Bundle) Bundled package that combines the Application Folder (identity + Open Banking income + rental history + tenant self-disclosure) with the CRIF Credit Report at a combined price of €29.99 versus €37.98 if bought separately, positioned as the best-value tier for tenants who want full pre-verification for a competitive rental application. Auto-terminates after 90 days with no subscription.
• Landlord Dashboard (Bewerber4) B2B interface (Bewerber4) for landlords, property managers, and real estate agents that consolidates verified tenant applicant data—identity verification status, Open Banking income, CRIF credit rating, and rental payment confirmation—into a single applicant dashboard or via API, eliminating the need to chase paper documents or email attachments. Targeted at private landlords, property management firms, and agents using WG-Gesucht, ohne-makler, EverReal, or Haus + Grund Berlin in Germany.
• Rental Deposit Guarantee (Mietkautionsbürgschaft) Insurance-based alternative to a cash security deposit (Kaution), distributed by rentcard as a registered Versicherungsvertreter (insurance intermediary under §34d GewO, registration D-YLFS-KK8SL-52) on behalf of R+V Versicherung AG. Lets tenants apply for a Mietkautionsbürgschaft instead of paying the traditional cash deposit (capped at 3 months' cold rent under §551 BGB), preserving move-in liquidity while satisfying landlord requirements; rentcard earns commission from the insurer.

Quantifiable outcome

• 60,000+ rental applications processed per month
• +3 more outcomes

Named customers4 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

AI capability5 records

Feature6 records

Partnerships

Seven partnerships are on record, tiered core.

• ohne-maklercoreChannel Partner/ Reseller/ Distributorohne-makler is Germany's largest platform for commission-free rentals from private landlords. Without a real estate agent acting as intermediary, verification responsibility falls on landlords. The rentcard integration solves this by providing simplified credit checks, verified identity, and secure document sharing. The partnership article details four integration points: simplicity (one-click profile sharing), CRIF credit verification, identity verification, and secure data sharing replacing email attachments.
• Haus + Grund BerlincoreChannel Partner/ Reseller/ DistributorHaus + Grund Berlin is a major German homeowners association representing private landlords. As a member partner, Haus + Grund Berlin recommends or integrates rentcard as a verification tool for its landlord members to efficiently screen tenant applicants. This gives rentcard access to a network of established private landlords in Germany's largest rental market.
• EverRealcoreChannel Partner/ Reseller/ DistributorEverReal is a property management and listing platform serving landlords, agents, and property managers in Germany. The partnership integrates rentcard verification into EverReal's platform workflows, allowing landlords and agents to request or receive verified tenant applicant data directly within EverReal's ecosystem.
• R+V Versicherung AGcoreChannel Partner/ Reseller/ DistributorR+V Versicherung AG is rentcard's insurance partner for rental deposit guarantees (Mietkautionsbürgschaft). rentcard, as a registered insurance intermediary (§34d GewO), distributes R+V deposit guarantee products through its platform, offering tenants an alternative to cash security deposits. The partnership generates commission revenue for rentcard. Users can cancel existing R+V guarantees through rentcard's contract cancellation page.
• finAPI GmbHcoreTechnology or IntegrationfinAPI is rentcard's PSD2/BaFin-regulated account information service provider for Open Banking. Banking credentials, account balances, and IBANs are never stored at rentcard. finAPI retrieves up to 6 months of transaction history, from which rentcard categorizes income and rent payments. finAPI's Senior Advisor Dr. Florian Haagen is also CEO of finAPI, representing a direct leadership connection between the two companies.
• CRIF GmbHcoreTechnology or IntegrationCRIF GmbH is Germany's leading credit reference agency providing the credit check integrated into rentcard's application folder. The CRIF check returns a traffic-light result (Green/Amber/Red/Grey) indicating payment behavior without storing detailed credit data at rentcard. CRIF acts as an independent data controller for the credit check. The credit result is shared with landlords only with the tenant's explicit consent.
• Veriff OÜTechnology or Integration

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Kautionsfrei: German rental deposit guarantee (Mietkautionsbürgschaft) provider and insurance intermediary. Most directly comparable peer to rentcard: overlaps in the German tenant financial-product layer, shares the same landlord/tenant customer base, and is a likely competitor in the deposit guarantee upsell that rentcard runs via R+V Versicherung.
• Immomio: German PropTech providing digital rental application and tenant-screening workflows for landlords, agents, and property managers. Closest direct product competitor to rentcard on the landlord/agent side, with overlapping application folder, identity, and credit check functionality and similar target customers in the DACH rental market.
• Boniverso: German platform offering Schufa-friendly credit checks and tenant screening bundles. Directly competes with rentcard on the credit-check / tenant-verification value proposition for German apartment seekers and landlords.

Regional players

• OpenRent: UK rental platform offering tenant referencing, credit checks, and digital application workflows. Highly comparable business model to rentcard's tenant-side self-serve verified profile, but operating in the UK market rather than DACH.
• Homeful: Australian tenant referencing and digital rental application platform with reusable tenant profiles. Conceptually aligned with rentcard's Bewerbermappe model and useful as a peer benchmark for international expansion of the verified-tenant-profile product.

Broad incumbents

• SCHUFA: Germany's dominant consumer credit bureau. Although not a direct tenant-screening provider today, SCHUFA's data assets, brand trust, and existing consumer relationships make it a natural incumbent that could compress rentcard's credit-reporting value proposition.
• Haus + Grund (Federal Association): German homeowners association representing private landlords nationally. Already partners with rentcard via its Berlin chapter, but the broader association also offers its own tenant-screening and lease templates, making it both a partner and a potential competitor.
• CRIF GmbH: Germany's leading credit reference agency and rentcard's credit data partner. Operates broadly in consumer credit reporting and could at any time launch a bundled tenant-screening product that would compete head-on with rentcard's CRIF-powered offerings.

Emerging players

• Bonify: Berlin-based consumer credit-score and financial health app with Schufa integration. Competes with rentcard in adjacent consumer financial-data territory and could extend into tenant verification from the credit-score angle.
• TransUnion SmartMove: US-based tenant screening and credit report service from a major credit bureau. Comparable product concept (tenant background + credit screening with reusable profile) and a useful international benchmark for how a credit bureau can monetise tenant screening at scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/rentcardID
• Facebookfacebook.com/rentcardgmbh
• LinkedInlinkedin.com/company/rentcard

Compliance2 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 rentcard