What Aachener Bausparkasse AG does

Aachener Bausparkasse AG was a German building society (Bausparkasse) operating as a public limited company (AG) that delivered the statutory German Bauspar system to retail customers seeking homeownership. Its product portfolio centered on building savings contracts (Wüstenrot Wohnsparen) that lock in favorable loan interest rates while customers accumulate equity and qualify for state subsidies, construction financing (Wüstenrot Wohndarlehen) for property purchase, building, modernization, or follow-up financing (Anschlussfinanzierung), and state-subsidized Riester pension savings (Wohn-Riester) with tax advantages. The company served private individuals in Germany through a personal-advisory distribution model supported by phone, email, and digital newsletter channels, with customer operations centered in Ludwigsburg. Effective 2020-07-01, Aachener Bausparkasse AG was merged into Wüstenrot Bausparkasse AG, transferring all contracts, account numbers, IBANs, Riester-Verträge, and terms unchanged while issuing a new creditor identification number (DE92ZZZ00000032166); the standalone Aachener entity ceased to exist, with its customer book continuing under the Wüstenrot brand. As a Bausparkasse, the firm operated within a regulatory framework offering Wohnungsbauprämie (up to 70 EUR/year individual, 140 EUR/year married), Arbeitnehmer-Sparzulage (9% up to 43 EUR/year), and Wohn-Riester (175 EUR basic plus up to 300 EUR per child) subsidies. No standalone revenue, headcount, or financial KPIs are disclosed in the source material, and no AI, proprietary technology, or non-financial-product innovations are documented.

Name

Aachener Bausparkasse AG

Legal name

Aachener Bausparkasse AG

Website

https://aachener-bausparkasse.de

Company type

Private

Operating status

Acquired

Headcount range

1–10 employees

Short description

Aachener Bausparkasse AG was a German building society offering Bausparen savings contracts, construction financing, and Riester-subsidized retirement products to retail individuals seeking homeownership, merged into Wüstenrot Bausparkasse AG effective July 2020.

Ownership category

akta.pro rank

Headquarters

HQ city

Ludwigsburg

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Pricing tiers

Distribution channels2 records

Marketing channels1 record

Core offering

Aachener Bausparkasse AG (now W\u00fcstenrot Bausparkasse AG following the 2020 merger) is a German building society that sells Bausparvertr\u00e4ge (building savings contracts) locking in low loan interest rates while building equity capital, paired with Wohndarlehen (construction financing) for buying, building, modernizing property, or follow-up financing. Contracts are enhanced by German state subsidies including Wohnungsbaupr\u00e4mie (up to EUR 70 per year individually / EUR 140 for couples), Arbeitnehmer-Sparzulage (9% up to EUR 43 per year), and Wohn-Riester (EUR 175 basic allowance plus up to EUR 300 per child).

Product overview

Aachener Bausparkasse AG has merged into Wüstenrot Bausparkasse AG (effective 01.07.2020). The company's product portfolio centers on building society services, consisting of two core offerings: Wüstenrot Wohnsparen (building savings contracts with state subsidies) and Wüstenrot Wohndarlehen (construction financing). The subsidiary Wüstenrot Wohn-Riester provides Riester pension products with tax benefits. All existing contracts, account numbers, and terms remain unchanged post-merger.

Differentiator

Problem solved

Functional benefit

Products and services

• W\u00fcstenrot Wohnsparen (Bausparvertrag / building savings contract) Building savings contract that secures favorable loan interest rates, allows customers to build equity capital, and grants access to German state subsidies including Wohnungsbaupr\u00e4mie (housing premium) and Arbeitnehmer-Sparzulage (employee savings allowance). Designed for individual consumers planning home ownership.
• W\u00fcstenrot Wohndarlehen (construction financing) Construction financing product enabling customers to purchase or build property, modernize existing homes, or secure follow-up (Anschlussfinanzierung) financing. Pairs with the W\u00fcstenrot Wohnsparen Bausparvertrag.
• Wohn-Riester (subsidized retirement savings) State-subsidized retirement savings product with tax advantages, EUR 175 annual basic allowance and up to EUR 300 per eligible child in child allowances. Continues running unchanged for existing Riester customers after the merger.

Quantifiable outcome

• Up to 70 EUR/year Wohnungsbauprämie (housing premium) for individuals
• +3 more outcomes

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators1 record

Recent moves4 records

Expansion highlights3 records

Direct peers

• Schw\u00e4bisch Hall (Bausparkasse Schw\u00e4bisch Hall): Germany's largest Bausparkasse and the originator of the modern Bauspar collective; competes head-to-head with W\u00fcstenrot/Aachener on Bauspar contracts and construction financing for German homeowners.
• BHW Bausparkasse: Bausparkasse within the Deutsche Bank/Postbank group offering building savings contracts, Wohn-Riester, and Baufinanzierung to German retail consumers; directly comparable product lineup.
• W\u00fcstenrot Bausparkasse AG: The legal successor of Aachener Bausparkasse AG following the July 2020 merger, operating the same Bauspar contract, Wohndarlehen, and Wohn-Riester product set under the W\u00fcstenrot brand for German retail customers.
• Deutsche Bausparkasse Badenia: Mid-sized German Bausparkasse offering building savings contracts and construction financing; competes in the same Bauspar category with overlapping state-subsidy benefits.
• LBS (Landesbausparkassen): Federation of regional state-owned Bausparkassen that offer Bauspar contracts, construction loans, and Wohn-Riester products to German consumers; competing through regional savings bank (Sparkassen) networks.

Broad incumbents

• Sparkassen-Finanzgruppe: Network of German savings banks offering Baufinanzierung and distributing Bauspar products (often via LBS); an established channel that competes for the same retail mortgage and savings flows.
• ING-DiBa (ING Deutschland): Large German direct bank offering Baufinanzierung and consumer credit alongside deposits; a broader incumbent whose mortgage book overlaps the Wohndarlehen/follow-up financing use case served by W\u00fcstenrot/Aachener.
• Deutsche Bank Privat- und Gesch\u00e4ftskunden: Universal bank providing residential mortgages, Bauspar-adjacent products (via BHW), and personal advisory; competes for the same German homeownership financing wallet.
• Commerzbank: German universal bank with a sizeable Baufinanzierung and consumer credit franchise; competes with the W\u00fcstenrot/Aachener platform for German residential financing customers.

Emerging players

• DKB (Deutsche Kreditbank): Direct-bank challenger with a meaningful German Baufinanzierung and consumer credit book; competing on digital origination against the traditional Bausparkasse model.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/aachener-bausparkasse-ag

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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M&A

Investments

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