Raiffeisen Bausparkasse Gesellschaft

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.

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

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

• Building savings products
• Home financing loans
• Housing savings plans
• Consumer mortgage lending
• State-subsidized savings

Headquarters

HQ city

Vienna

HQ country

Austria

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. 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.
2. 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.
3. Account Management Fees: Annual account management fee of EUR 8.55 per calendar year charged per building savings contract.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels9 records

Core 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

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Seven partnerships are on record, tiered minor and core.

• Naturparke ÖsterreichminorStrategic or Co-development PartnerCollaboration 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 KindertraumminorStrategic or Co-development PartnerAnnual 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 WKWminorStrategic or Co-development PartnerAcademic 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 HimmelminorStrategic or Co-development PartnerSocial 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.
• NaturschutzbundminorStrategic or Co-development PartnerWild 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-KinderdorfminorStrategic or Co-development PartnerSupported 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 eGencoreOthersStatutory 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

Broad 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

• YouTubeyoutube.com/channel/UCcQ8dFas87Tk9Npu56jIEhA
• Facebookfacebook.com/raibau
• LinkedInlinkedin.com/company/raiffeisen-bausparkasse-gmbh
• Instagraminstagram.com/raiffeisenbausparen

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 Raiffeisen Bausparkasse Gesellschaft