LBS.de

What LBS.de does

LBS.de is the joint digital platform of Germany's five regional Landesbausparkassen (LBS Süd, NordWest, NordOst, Hessen-Thüringen, and Saar), operating as a confederation of public-law financial institutions within the Sparkassen-Finanzgruppe. The platform serves approximately 7 million customers across all 16 German states, offering Bausparverträge (building savings contracts), Baufinanzierung (construction financing), Modernisierungskredite (renovation loans), and advisory on state housing subsidies including Wohnungsbauprämie, Arbeitnehmer-Sparzulage, and the forthcoming Riester-Reform 2027. LBS holds 35% market share among German building societies, with roughly 8.1 million active contracts and 313.4 billion EUR in total contract volume as of end-2022.

The core product architecture centers on the Bausparvertrag, a long-duration contract combining savings accumulation with a guaranteed future low-interest Bauspardarlehen, locking in rates at contract signing to hedge against future rate increases. Supporting digital infrastructure includes the Meine LBS customer portal (24/7 online contract access), multiple web-based calculators (Bausparrechner, Baufinanzierungsrechner, Modernisierungskostenrechner), and the Finanzierungszertifikat (free financing-certificate tool). The technology stack uses Google Analytics 4, Google Tag Manager, Meta Pixel, TikTok Pixel, Pinterest Tag, and TrustCommander for consent management, with bot mitigation via Friendly Captcha and fraud0.

The business model generates revenue primarily through (1) one-time Abschlussgebühr closing fees of 1.0-1.6% of the Bausparsumme at contract inception; (2) recurring interest spread on Bauspardarlehen and Modernisierungskredite after contract maturity; and (3) Baufinanzierung origination economics. Distribution combines five regional branch-and-advisor networks with embedded Sparkassen agency sales, supported by wholly-owned subsidiaries LBS Immobilien GmbH (real estate brokerage, founded 1973), LBS Gutachter GmbH (property appraisal), and LBS Vertriebs GmbH (centralized distribution). The stated website restricts products and services exclusively to residents of Germany.

Name

LBS.de

Legal name

LBS - Die Bausparkasse der Sparkassen (operated jointly by five Landesbausparkassen)

Website

https://lbs-viersen.de

Company type

Private

Founded year

1924

Operating status

Operating

Short description

LBS.de is the joint online platform of five regional German Landesbausparkassen within the Sparkassen-Finanzgruppe, offering Bausparverträge, construction financing, modernization loans, and state-subsidy advisory to individual home buyers and savers across Germany.

Ownership category

akta.pro rank

Product category

Building Society Services (Bausparen / Residential Mortgage Lending)

akta.pro primary industry

Affordable Rental & Multifamily Housing Finance Programs (LIHTC/Tax Credits/Subsidized Loans) (FSALAKAF)

Keywords

• Building society services
• Construction financing
• Home savings contracts
• Property modernization loans
• Housing subsidies advisory

Headquarters

HQ city

Viersen

HQ country

Germany

HQ region

Europe

Offices10 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Bausparvertrag Abschlussgebühr (Closing Fee): One-time fee charged upon contract conclusion, covering advisory and administration costs. Calculated as 1.0-1.6% of the Bausparsumme (building savings sum). Non-refundable except in case of valid revocation within two weeks.
2. Bauspardarlehen (Building Savings Loan): After the contract matures (zuteilungsreif), customers receive a low-interest loan based on their accumulated savings plus the loan amount, totaling the Bausparsumme. Interest rates are fixed at contract signing.
3. Modernisierungskredit (Modernization Credit): Loans for home modernization and renovation projects, offered as part of the product portfolio alongside traditional Bausparverträge.
4. Baufinanzierung (Construction Financing): Comprehensive construction financing services including advisory, product provision, and loan origination for property purchases and construction.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels8 records

Core offering

LBS.de provides Germany's market-leading Bausparen (building society savings) products through five regional Landesbausparkassen, offering Bausparvertr\u00e4ge (building savings contracts combining systematic savings with a guaranteed low-interest Bauspardarlehen), Baufinanzierung (real estate financing) for property purchases, Modernisierungskredite (renovation loans) for home improvements, and Beratung on state housing subsidies (Wohnungsbaupr\u00e4mie, Arbeitnehmer-Sparzulage, verm\u00f6genswirksame Leistungen). Distribution combines the lbs.de digital platform (calculators, contract applications, Meine LBS portal) with physical Beratungscenter and the Sparkassen-Finanzgruppe partner network.

Product overview

LBS.de is the joint online platform of Germany's five regional Landesbausparkassen (LBS), operating as a unified multi-regional building society group. The core product portfolio centers on the LBS-Bausparvertrag (building society savings contract), which combines savings accumulation with guaranteed low-interest Bauspardarlehen (construction loans). The offering extends through the LBS-Baufinanzierung (real estate financing) and LBS-Modernisierungskredit (renovation loans) for complete property acquisition and improvement financing. Supporting tools include LBS-Bausparrechner, LBS-Baufinanzierungsrechner, and Modernisierungskostenrechner calculators, plus the LBS-Finanzierungszertifikat (financing certificate) and LBS-Online-Vertragsauskunft (online contract access) customer portal. State subsidies such as Wohnungsbauprämie, Arbeitnehmer-Sparzulage, and Riester-Rente reform 2027 provide additional savings acceleration. The LBS-Immobiliensuche service facilitates property search. Subsidiary brands LBS Immobilien GmbH (real estate brokerage) and LBS Gutachter GmbH (property appraisal) extend the value chain. The group serves nearly 7 million customers with approximately 8.1 million active building society contracts valued at 313.4 billion euros, holding 35% market share as Germany's leading building society.

Differentiator

Problem solved

Functional benefit

Products and services

• LBS-Bausparvertrag (Building Savings Contract) The LBS-Bausparvertrag is a building society savings contract that allows customers to save money for residential real estate while securing a guaranteed low-interest Bauspardarlehen (construction savings loan) for future drawdown. It combines regular savings accumulation with the promise of a favorable fixed loan rate locked in at contract signing, protecting customers from rising market interest rates. The product is offered with a closing fee (Abschlussgeb\u00fchr) of 1.0-1.6% of the Bausparsumme and is targeted at individual home buyers, savers, and employees using state subsidies such as Wohnungsbaupr\u00e4mie, Arbeitnehmer-Sparzulage, and verm\u00f6genswirksame Leistungen.
• LBS-Baufinanzierung (Real Estate / Construction Financing)
• LBS-Modernisierungskredit (Renovation / Modernization Loan) The LBS-Modernisierungskredit is a renovation and modernization loan enabling homeowners to modernize, renovate, or improve the energy efficiency of their property. It offers favorable terms for energy-efficient home improvements and is targeted at existing homeowners pursuing modernization or sustainability upgrades.
• LBS-Immobiliensuche (Property Search Service) LBS-Immobiliensuche is the property search service that helps individual customers find residential properties to purchase, accompanied through to securing appropriate financing. The service is delivered through the LBS network of Immobilienmakler (real estate agents) at Beratungscenter such as Viersen and integrated with LBS-Baufinanzierung to provide an end-to-end home-buying experience.

Quantifiable outcome

• 35% market share - Number 1 among building societies in Germany
• +2 more outcomes

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration20 records

Feature3 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Sparkassen (German Savings Banks)coreChannel Partner/ Reseller/ DistributorThe LBS is the Bausparkasse (building society) of the Sparkassen-Finanzgruppe. Sparkassen branches distribute LBS products and are co-owners of the regional Landesbausparkassen. This partnership provides LBS with widespread physical distribution across Germany.
• Sparkassen-Finanzgruppe (Savings Banks Finance Group)coreStrategic or Co-development PartnerLBS is an integral part of the Sparkassen-Finanzgruppe, one of Germany's largest financial conglomerates. This affiliation provides regulatory stability, distribution advantages, and brand trust. The DSGV (Deutscher Sparkassen- und Giroverband) houses the LBS Bundesgeschäftsstelle.
• Europäische Bausparkassenvereinigung (EuBV)minorStrategic or Co-development PartnerLBS-Bundesgeschäftsstelle is a member of the European Building Societies Association, representing interests at the European level.
• Deutscher Verband für Wohnungswesen, Städtebau und Raumordnung (DV)minorStrategic or Co-development PartnerBundesgeschäftsstelle LBS is a member of this German housing and urban development association, engaging in policy advocacy.
• SAARLAND VersicherungenminorStrategic or Co-development PartnerLBS Saar works closely with SAARLAND Versicherungen as part of the Sparkassen-Finanzgruppe Saar for bundled insurance and financial services.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• ING-DiBa: Germany's largest direct bank, offering Baufinanzierung and consumer credit as part of a broader retail banking franchise. Competes with LBS on mortgage origination and modernization lending without specializing in Bausparen.

Emerging players

• Interhyp: Germany's largest independent mortgage broker, partnering with hundreds of banks. Competes with LBS Baufinanzierung by offering comparison-based online mortgage origination, attractive to younger digital-native buyers who skip traditional advisory.
• Baufi24: Digital-first mortgage broker in Germany offering online Baufinanzierung comparison. Competes with LBS for younger buyers seeking faster, branchless mortgage experiences and digital self-service tools.
• Dr. Klein: German mortgage broker network offering Baufinanzierung comparison and advisory services. Competes with LBS in mortgage distribution without holding a balance sheet or running its own Bausparkasse.

Direct peers

• BHW Bausparkasse: German building society integrated into Deutsche Bank's Postbank retail franchise. Competes with LBS in Bausparvertrag and forward mortgage products using similar savings-plus-loan mechanics.
• Schwäbisch Hall: Germany's largest private Bausparkasse and the closest direct competitor to LBS in the building savings market. Offers a comparable Bausparvertrag product suite with similar state-subsidy positioning and decades of distribution heritage.
• Wüstenrot Bausparkasse: Major German Bausparkasse with traditional Wohnsparvertrag and Vorsorgesparen products. Directly comparable to LBS in core Bausparvertrag mechanics and target audience of homeownership savers and first-time buyers.
• Deutsche Bausparkasse Badenia: Smaller German Bausparkasse focused on building savings contracts. Direct competitor to LBS for Bausparvertrag origination among individual savers, with similar product structure and subsidy reliance.

Others

• Sparkasse (Sparkassen-Finanzgruppe): Parent network and primary distribution partner for LBS products. The Sparkassen co-own the Landesbausparkassen and distribute Bausparverträge, while also offering competing Giro accounts, mortgages, and consumer loans — making them both ecosystem partner and partial competitor.
• DSL Bank: Direct bank specializing in Baufinanzierung as part of the Deutsche Bank group. Competes with LBS in construction financing and modernization lending for retail customers across Germany.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@lbs.deinzuhause
• Facebookfacebook.com/lbsbausparkasse
• Instagraminstagram.com/lbsbausparen
• TikToktiktok.com/@lbsbausparen

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

Subsidiaries3 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 LBS.de