Raiffeisen Bausparkasse Gesellschaft
Austrian building society and wholly-owned subsidiary of Raiffeisen Bank International AG, offering state-subsidized building savings contracts and housing finance loans to retail consumers across Austria and Slovakia, serving 1.3 million customers.
- Company typePrivate
- Founded1961
- HeadquartersVienna, Austria
- Headcount51–100
- GTM typeB2C
- OfferingServices
What Raiffeisen Bausparkasse Gesellschaft does
Raiffeisen Bausparkasse Gesellschaft m.b.H. is an Austrian building society (Bausparkasse) and a wholly-owned subsidiary of Raiffeisen Bank International AG (RBI). Founded in 1961 and headquartered in Vienna's 19th district (Mooslackengasse 12), it operates as the specialized housing financing institution of the Raiffeisen Banking Group, serving approximately 1.3 million customers across Austria and Slovakia and having financed 533,000 residential units to date. The company's core function is the origination and administration of state-subsidized building savings contracts (Bausparverträge) and the matching low-interest housing finance loans, which together form a closed Austrian financial product category regulated under the Bausparkassengesetz.
The product portfolio is a platform-plus-modules architecture: four core savings products (Klassisches Bausparen at 3.25%, Jugend Bausparen at 3.5%, MixZins at 2.1% fixed, and Relax at 1.85%) form the foundation, supplemented by a dynamic savings variant and ~9 financing variants differentiated by fixed-rate tenure (6, 10, 15, 20 years), variable-rate structures, and use case (construction, purchase, renovation, education, healthcare). Distribution runs through the nationwide Raiffeisenbanken branch network, the Mein ELBA digital banking platform of parent RBI, a standalone online portal at bausparen.at, and a suite of self-serve calculators (Bausparrechner, WohnTraumRechner, ImmoCheck, ImmoPreisAtlas). Marketing and content are delivered through the Meine Wohnwelt portal, the Planspiel.Wohnen podcast, social channels, and email newsletter.
The business model combines net interest margin on the savings-to-loan spread, an annual account management fee of EUR 8.55 per contract, and the administration of the state subsidy (Bausparprämie, 1.5%-4% of annual deposits up to EUR 1,200). GTM is sales-led through physical branches with digital self-serve for both existing ELBA customers and new prospects. As of 2025, savings deposits stood at EUR 7.24 billion with 209,000 new contracts originated in the year (down from 224,000 in 2024). The company is regulated by the Austrian Finanzmarktaufsicht (FMA), subject to ESAEG deposit insurance, and FATCA/AML compliant.
Raiffeisen Bausparkasse Gesellschaft firmographics
Firmographics- Name
- Raiffeisen Bausparkasse Gesellschaft
- Legal name
- Raiffeisen Bausparkasse Gesellschaft m.b.H.
- Website
- https://bausparen.at
- Company type
- Private
- Founded year
- 1961
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Austrian building society and wholly-owned subsidiary of Raiffeisen Bank International AG, offering state-subsidized building savings contracts and housing finance loans to retail consumers across Austria and Slovakia, serving 1.3 million customers.
- Ownership category
- akta.pro rank
Raiffeisen Bausparkasse Gesellschaft industry classification
Industry- Product category
- Building Society (Bausparkasse)
- NAICS
- Savings Institutions and Other Depository Credit Intermediation (52218), Real Estate Credit (522292)
- SIC
- Mortgage Bankers & Loan Correspondents (6162), Savings Institutions, Not Federally Chartered (6036)
- akta.pro primary industry
- Affordable Rental & Multifamily Housing Finance Programs (LIHTC/Tax Credits/Subsidized Loans) (FSALAKAF)
Keywords
Where Raiffeisen Bausparkasse Gesellschaft is headquartered
LocationHeadquarters
- HQ city
- Vienna
- HQ country
- Austria
- HQ region
- Europe
Offices1 record
Markets served
Raiffeisen Bausparkasse Gesellschaft business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others
Revenue model
- Building Savings Deposits: Customers make regular or one-time deposits into building savings contracts (Bausparverträge). The company pays interest on these deposits (3.25% for classic, 3.5% for youth, 2.1% for MixZins, 1.85% for Relax) and administers the state subsidy (Bausparprämie) which ranges from 1.5% to 4% of annual deposits up to EUR 1,200.
- Building Finance Loans: After the minimum waiting period (18 months for most contracts, 72 months for Relax), customers receive access to low-interest building loans for housing purposes. Interest rates vary by product: 2.9% to 4.9% fixed initially, then variable based on EURIBOR plus margin. The company earns interest income on these loans.
- Account Management Fees: Annual account management fee of EUR 8.55 per calendar year charged per building savings contract.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Klassisches Bausparen: Monthly deposits with 3.25% fixed annual interest rate |
| Subscription | Monthly | Jugend Bausparen: For customers under 24, higher 3.5% fixed rate |
| Subscription | Monthly | MixZins Bausparen: 2.1% fixed for 3 years, then variable rates |
| One time/ perpetual license | Pay-as-you-go | Relax Bausparen: One-time deposit with 1.85% fixed rate for 6 years |
| Subscription | Monthly | Education Financing: Fixed 4.9% p.a. for education loans up to EUR 46,000 |
| Subscription | Monthly | Health & Care Financing: 4.9% p.a. fixed for care-related expenses |
| Subscription | Monthly | 20 Years Fixed: 3.9% p.a. fixed for 20 years for housing financing |
| Subscription | Monthly | 15 Years Fixed: 3.8% p.a. fix for 15 years (Wohnbau Sofortkredit) |
| Subscription | Monthly | 10 Years Fixed: 3.65% p.a. fix for 10 years |
| Subscription | Monthly | 6 Years Fixed: 3.1% p.a. fix for 6 years (Wohnbau Sofortkredit) |
| Subscription | Monthly | Variable Rate: 2.9% p.a. initially, then EURIBOR-based variable |
| Subscription | Monthly | Variable without Land Registry: Up to EUR 46,000 without land entry |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels9 records
Raiffeisen Bausparkasse Gesellschaft product offering
Product offeringCore offering
Raiffeisen Bausparkasse offers state-subsidized building savings contracts (Bausparverträge) and low-interest housing financing loans to Austrian consumers. The product suite includes four core savings products (Klassisches Bausparen, Jugend Bausparen, MixZins Bausparen, Relax Bausparen) with state premium bonuses (Bausparprämie) of 1.5%-4% on annual deposits, complemented by a range of building finance loans with fixed-rate options of 6, 10, 15, and 20 years, variable rate products, and specialized loans for renovation, education, and health/care purposes.
Product overview
Raiffeisen Bausparkasse is an Austrian building society and the leading specialist institution of the Raiffeisen Banking Group for financing, maintaining, and improving living space. The company operates a platform-plus-modules architecture with four core building savings products (Klassisches Bausparen, Jugend Bausparen, MixZins Bausparen, and Relax Bausparen) as the foundation, supplemented by the dynamic savings variant option and WohnTraumSparen sub-brand. Building savings financing is offered through multiple product variants differentiated by interest rate structures: fixed-rate options spanning 6, 10, 15, and 20 years, variable rate products, stepped-rate financing, and products without land register requirement. Specialized financing covers building/purchasing, renovation, education, and health/care needs. The offering extends to digital tools including the Bausparrechner, WohnTraumRechner, ImmoCheck, and ImmoPreisAtlas calculators. Additional services include the Meine Wohnwelt content portal with the Planspiel.Wohnen podcast series, online home financing application, and various forms. With 1.3 million customers and EUR 7.24 billion in building savings deposits, the company serves approximately 533,000 residential units across Austria and Slovakia.
Differentiator
Problem solved
Functional benefit
Products and services
- Klassisches Bausparen
- Jugend Bausparen
- MixZins Bausparen
- Relax Bausparen
- Bausparfinanzierung 20 Jahre fix
- Wohnbau Sofortkredit 15 Jahre fix
- Bausparfinanzierung 10 Jahre fix
- Wohnbau Sofortkredit 6 Jahre fix
- Bausparfinanzierung Variable Zinsen
- Bausparfinanzierung ohne Grundbuchseintragung
- Bausparfinanzierung mit Stufenraten
- Finanzierung Sanieren & Renovieren
- Finanzierung Aus- & Weiterbildung
- Finanzierung Gesundheit & Pflege
Quantifiable outcome
- 525,000 housing dreams financed through Raiffeisen building finance
- +3 more outcomes
Companies that use Raiffeisen Bausparkasse Gesellschaft
Customer profileSegments5 records
Ideal customer profiles5 records
Raiffeisen Bausparkasse Gesellschaft technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature5 records
Raiffeisen Bausparkasse Gesellschaft partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered minor and core.
- Naturparke ÖsterreichminorCollaboration on bird conservation projects. For each building finance completed under a financing focus, a nesting place for birds was created in cooperation with Naturparke Österreich. 500 new nesting places were created.
- Stiftung KindertraumminorAnnual charity partnership where Raiffeisen Bausparkasse donates to help children and teenagers with serious illnesses or disabilities realize their dreams. In December 2025, donated EUR 30,000 (fifth consecutive year). Total donations of EUR 230,000 over five years.
- FH Wien der WKWminorAcademic partnership with FH Wien (University of Applied Sciences) for a marketing research project where students analyzed housing needs and dreams of young people aged 25-40. Project included student presentations and creative solution proposals.
- Caritas Tagesstätte Am HimmelminorSocial engagement partnership involving annual volunteer Social Team Days where Raiffeisen Bausparkasse employees assist with gardening, construction and maintenance tasks at the Caritas day care facility in Vienna. Fourth annual event in 2026 with 20 employees participating.
- NaturschutzbundminorWild bee protection project. In 2022, 800,000 nesting places were created through 18 new bee hotels, bringing total to 64 bee hotels with 3 million nesting places for wild bees across Austria. Project started in 2022 based on number of building finance agreements.
- SOS-KinderdorfminorSupported SOS-Kinderdorf in 2018, 2020, and 2021 with total donations of EUR 145,000 for sports and leisure equipment and Christmas gift fulfillment for children in SOS-Kinderdorf homes.
- Österreichische Raiffeisen Sicherungseinrichtung eGencoreStatutory deposit insurance and investor compensation scheme. Raiffeisen Bausparkasse is subject to Einlagensicherungs- und Anlegerentschädigungsgesetz (ESAEG) and belongs to the Austrian Raiffeisen Security Facility for legal deposit insurance up to EUR 100,000 per customer.
Scale indicators8 records
Recent moves6 records
Expansion highlights3 records
Raiffeisen Bausparkasse Gesellschaft competitors and assessment
Company assessmentBroad incumbents
- BAWAG Group AG: Major Austrian universal bank offering direct mortgage products and competing for housing finance customers; operates a broader retail banking model that overlaps with Bausparkasse savings and lending offerings.
- Raiffeisen Bank International AG: Parent company of Raiffeisen Bausparkasse and the Austrian Raiffeisen Banking Group; the same distribution network powers both entities' housing finance activities, making RBI the dominant incumbent in Austrian Bausparen and mortgage lending.
- UniCredit Bank Austria AG: Austrian arm of UniCredit providing mortgage and consumer lending products; overlaps with Bausparkasse on housing loans and savings-style deposit products but without the dedicated state-subsidized contract model.
- Erste Group Bank AG: Parent of the direct peer s Bausparkasse and one of Austria's largest universal banks; competes with Raiffeisen Bausparkasse across the broader housing finance value chain from savings to mortgage origination.
Direct peers
- s Bausparkasse: The Erste Group-owned Austrian building society directly competing with Raiffeisen Bausparkasse in the same Austrian Bausparvertrag and Bausparfinanzierung market, offering the same state-subsidized savings-loan model under identical regulatory framework.
- BHW Bausparkasse: German building society (subsidiary of Deutsche Bank/Postbank) offering the same contract-based savings with later housing-loan conversion; a comparable European peer for product design and operational benchmarking.
- Schwäbisch Hall Bausparkasse: Germany's largest building society and part of the Sparkassen group; operates an identical Bauspar-plus-Bausparfinanzierung model and serves as the closest functional benchmark for the Austrian Bausparkasse framework.
- Bausparkasse Wüstenrot AG: Austrian arm of the German W&W Group's building society, competing head-to-head with Raiffeisen Bausparkasse in the Austrian market through a parallel Bausparen plus housing-loan product set.
- Wüstenrot Bausparkasse AG (Germany): Parent German building society of the Austrian Wüstenrot operation; operates a comparable contract-based savings-plus-loan model across multiple European markets and serves as a cross-border peer for product strategy.
Regional players
- Hypo Vorarlberg Bank AG: Austrian regional bank with strong residential mortgage focus in Western Austria; serves an overlapping housing finance customer base but does not operate the state-subsidized Bausparvertrag model.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Raiffeisen Bausparkasse Gesellschaft social profiles
Digital presenceRaiffeisen Bausparkasse Gesellschaft compliance and trust
Trust signalCompliance5 records
Raiffeisen Bausparkasse Gesellschaft financial estimates
Financial estimateRevenue estimate
Valuation estimate
Raiffeisen Bausparkasse Gesellschaft leadership team
Management profileNumber of profiles
Profiles5 records
Raiffeisen Bausparkasse Gesellschaft funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Raiffeisen Bausparkasse Gesellschaft 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 Raiffeisen Bausparkasse Gesellschaft
What does Raiffeisen Bausparkasse Gesellschaft do?
Raiffeisen Bausparkasse offers state-subsidized building savings contracts (Bausparverträge) and low-interest housing financing loans to Austrian consumers. The product suite includes four core savings products (Klassisches Bausparen, Jugend Bausparen, MixZins Bausparen, Relax Bausparen) with state premium bonuses (Bausparprämie) of 1.5%-4% on annual deposits, complemented by a range of building finance loans with fixed-rate options of 6, 10, 15, and 20 years, variable rate products, and specialized loans for renovation, education, and health/care purposes.
Is Raiffeisen Bausparkasse Gesellschaft a public or private company?
Raiffeisen Bausparkasse Gesellschaft is a private company. It is classified as corporate owned and is currently operating.
When was Raiffeisen Bausparkasse Gesellschaft founded?
Raiffeisen Bausparkasse Gesellschaft was founded in 1961. It employs 51 to 100 people.
Where is Raiffeisen Bausparkasse Gesellschaft based?
Raiffeisen Bausparkasse Gesellschaft is headquartered in Vienna, Austria, in the Europe region.
How does Raiffeisen Bausparkasse Gesellschaft make money?
Three revenue lines are on record. Building Savings Deposits are the primary driver. The others are building Finance Loans and account Management Fees.
Who are Raiffeisen Bausparkasse Gesellschaft's main competitors?
Broad incumbents on record are BAWAG Group AG, Raiffeisen Bank International AG, UniCredit Bank Austria AG and Erste Group Bank AG. Direct peers are s Bausparkasse, BHW Bausparkasse, Schwäbisch Hall Bausparkasse, Bausparkasse Wüstenrot AG and Wüstenrot Bausparkasse AG (Germany). Hypo Vorarlberg Bank AG is listed as a regional player.
Does Raiffeisen Bausparkasse Gesellschaft have an API?
No public API is recorded for Raiffeisen Bausparkasse Gesellschaft.
What industry is Raiffeisen Bausparkasse Gesellschaft in?
Raiffeisen Bausparkasse Gesellschaft's product category is Building Society (Bausparkasse). Its primary akta.pro industry code is FSALAKAF, Affordable Rental & Multifamily Housing Finance Programs (LIHTC/Tax Credits/Subsidized Loans). Its NAICS code is 52218 and its SIC code is 6162.