Wüstenrot Austria: Financial strength and product variety for your security analyzed
9 Jun 2025
10
Minutes
Katrin Straub
CEO at nextsure
Wüstenrot Österreich is an established financial service provider. The company has been offering building savings and insurance solutions for decades. Learn more about products and performance.
The topic in brief and concise terms
Wüstenrot Austria is an established financial service provider with around 1.2 million customers and a balance sheet total of approximately 11.2 billion euros (Bausparkasse AG, 2023).
The core business includes government-subsidized construction savings with flexible models and a wide range of insurance products.
Wüstenrot combines digital services such as online calculators and a comprehensive app with personal advice in branches nationwide.
Wüstenrot Austria: Understanding the Foundation and Market Presence
Wüstenrot Versicherungs-AG started in 1976 as a subsidiary of the building society. Today, it is one of the ten largest universal insurers in Austria. The share capital amounts to thirty million euros. Wüstenrot introduced home savings to Austria over eighty-five years ago. The group employs around one thousand five hundred and fifty staff in Austria. These figures highlight its market significance. The total assets of the Wüstenrot Group stood at approximately eleven point five billion euros at the end of 2020. The company is an important part of the Austrian financial landscape. Learn more about the Wüstenrot Österreich offerings. The solid foundation enables continuous development.
Bausparen at Wüstenrot Austria: Optimise returns and flexibility
Building savings is a core offering of Wüstenrot Austria. The "Flexible Building Savings CLASSIC" model offers three point five percent introductory interest for the first twelve months. After that, there is an adjustment according to market rates. Alternatively, there is "Flexible Building Savings FIXED RATE" with one point five percent fixed interest for six years. The current state building savings premium is one point five percent on a maximum deposit of one thousand two hundred euros per year. For 2025, Wüstenrot doubles this premium for certain new contracts. A building savings contract can be concluded from as little as twenty-five euros monthly. The minimum term is legally six years. In 2018, over six hundred thousand new building savings contracts were concluded in Austria. Wüstenrot offers an attractive savings form with government support. The accumulated capital is freely available after six years. Details of the Wüstenrot building savings contract telephone number can be found online if needed. This flexibility makes building savings attractive for many goals.
Here are the advantages of Wüstenrot building savings summarized:
Government support through annual KESt-free building savings premium.
Entitlement to a low-interest building savings loan.
Choice between fixed or variable interest rate.
Secure provision for the future.
Free disposal of funds after six years.
Minimum savings contribution of only twenty-five euros monthly.
These points highlight the attractiveness of building savings. It remains a popular investment form in Austria.
Tailored insurance coverage: Utilize the wide range of products from Wüstenrot Österreich
Wüstenrot Österreich offers a wide range of insurance solutions, including products for living, mobility, and health. In the area of living, there are home and property insurance as well as risk insurance. For mobility, there are motor liability and comprehensive insurance policies. Wüstenrot Versicherungs-AG serves around one point two million customers. The company expanded its offerings in 2001 to include casualty and accident insurance. The product range covers many areas of life. The "PlusCare & KidCare" packages provide coverage for accidents and illnesses. A specialised Wüstenrot cancer insurance may also be relevant for certain target groups. The company aims to provide tailor-made solutions for private customers. The focus is on the protection of assets.
The main categories of private customer insurance include:
Living: building savings, household insurance, residential buildings, legal protection.
Mobility: motor liability, comprehensive insurance, driver accident protection.
Health: private accident protection, long-term care insurance, PlusCare.
Provision & Pension: life insurance, private pension.
Savings & Wealth: unit-linked life savings, building saving.
This diversity allows for comprehensive coverage. Customers can tailor packages to their needs.
Evaluate the financial performance and stability of Wüstenrot Austria
Financial stability is an important factor. At the end of 2023, Bausparkasse Wüstenrot AG reported a balance sheet total of around eleven point two billion euros. The net profit of the building society was fifty-three point eight million euros in 2023. This was an increase compared to thirty point nine million euros in the previous year. The refinancing is done through customer deposits at sixty-four percent. A further thirty-two percent comes from capital market instruments. The Wüstenrot Group also had a successful financial year in 2021. Moody's rates the issuer rating of the building society with 'Baa1'/stable. S&P gives 'BBB+'/positive. These figures indicate a solid financial foundation. The company plans to issue green bonds in the future. Continuous profitability supports trust.
Digital Transformation: Experience Services and Consulting at Wüstenrot Austria
Wüstenrot Österreich relies on digital channels and personal advice. The website offers various online calculators, for example, for pension gaps or financing. A dedicated service app provides quick assistance in the event of damage and comprehensive information. Customers can obtain product information online or by phone. There are service points in all federal states for personal advice. Wüstenrot sees itself as a comprehensive financial services provider. The combination of digital tools and personal contact is central. The Wüstenrot App brings together banking, insurance, and building societies. This allows customers quick overview and access. The digital orientation facilitates many processes, enabling customers to manage their finances efficiently.
Key services include:
Online calculators for financing and provision.
Mobile app for account access and damage reports.
Product information via phone and online.
Personal advice at service points nationwide.
Digital contract management and self-services.
These offers aim for high customer satisfaction. They reflect modern expectations.
Understanding legal aspects and expert tips for Austrian financial products
For financial products in Austria, specific legal frameworks apply. With building savings, the government bonus is an important aspect, and its amount is adjusted annually. For 2025, it amounts to one and a half percent. The maximum premium-advantaged deposit is one thousand two hundred euros per person and year. The tax-free bonus is credited annually. Balances from building savings contracts are freely available after a six-year binding period. An earlier withdrawal for housing, education, or care purposes is sometimes possible. Our expert tip: Carefully check the current conditions and bonus regulations. In insurance, the General Insurance Conditions (GIC) are decisive. These should be read carefully before signing. Pay attention to the scope of coverage and exclusions. Individual advice can help find the right product for your situation. This ensures optimal protection and returns.
More useful links
Wüstenrot Österreich offers comprehensive information about their financial products and services.
Deutsche Bundesbank provides current financial stability reports that offer insights into the German financial landscape.
Statistisches Bundesamt (Destatis) publishes press releases and statistical data on various economic sectors.
Verbraucherzentrale offers independent information and advice on savings and investment opportunities.
Bundesministerium der Finanzen provides information on German financial market policy and relevant international developments.
Wirtschaftskammer Österreich (WKO) provides comprehensive data and facts about the banking and insurance sector in Austria.
FAQ
What makes Wüstenrot Bausparen special?
Wüstenrot Bausparen stands out with flexible models such as KLASSIK, which offers variable interest rates after an initial period, or FIXZINS, which provides a fixed interest rate for six years. Additionally, there is an annual government bonus, and currently, a jubilee promotion with a double bonus for 2025 for certain contracts.
Which insurance policies are most important at Wüstenrot Austria?
Wüstenrot offers a comprehensive range of insurance. Key areas include home insurance, car insurance, life insurance, as well as accident and health insurance such as PlusCare & KidCare.
How can I contact Wüstenrot Austria?
You can contact Wüstenrot Austria through their website, the service app, by phone, or in person at one of the service centres throughout Austria. The central phone number for the insurance company is 0570 70-100.
How many customers does Wüstenrot have in Austria?
Wüstenrot Versicherungs-AG serves approximately 1.2 million customers in Austria.
Since when has Wüstenrot been in Austria?
Wüstenrot Versicherungs-AG was founded in 1976. However, building society savings were introduced to Austria by Wüstenrot over eighty-five years ago.
Can I redeem my Wüstenrot savings balance early?
An early termination before the six-year commitment period is possible, but it may result in the loss of the government bonus unless the balance is demonstrably used for housing, education, or care purposes.
