A Bausparvertrag in Austria stays a state-supported, fixed-term savings product in 2026. The state Bausparprämie sits at 1.5 percent on contributions of up to €1,200 per person per year (source: BMF, oesterreich.gv.at). In return you commit for six years and earn the right to a Bauspardarlehen with a contractual interest cap.
Benefits of a Bausparvertrag
State Premium
1.5 percent state premium for 2026 on contributions up to €1,200 per person per year (source: BMF).
Supported saving form
Guaranteed minimum rate per the building society's AGB plus statutory deposit insurance up to €100,000 per bank per customer.
Bauspardarlehen with rate cap
Right to a Bauspardarlehen whose interest is contractually capped at 6 percent in the AGB of all four Austrian building societies (not a statutory cap).
Flexible use
After the six-year term the funds can be used for any purpose, not only housing.
How Building Savings Works
Sign a contract
Choose one of the 4 Austrian building societies and sign a building savings contract.
Make regular deposits
Pay monthly (€20-100), annually, or as a lump sum. Maximum: €1,200 per year for full premium.
Save for 6 years
The minimum term is 6 years. During this time, your deposits earn interest.
Collect the premium
At the end, you receive your capital plus interest plus the state premium.
The 4 Building Societies in Austria
Raiffeisen Bausparkasse
The largest building society in Austria with extensive branch network
s Bausparkasse
Building society of Austrian savings banks with strong regional presence
start:bausparkasse
The young building society with innovative digital solutions
Wüstenrot Bausparkasse
International experience and flexible products
State Building Premium 2026
The state building premium is a key advantage of building savings in Austria.
How much is the premium?
For 2026, the building savings premium is 1.5% on deposits up to a maximum of €1,200 per year. This corresponds to a maximum premium of €18 per year.
Who receives the premium?
Every person residing in Austria is entitled to the building savings premium - including children. This makes building savings popular as a gift for children and grandchildren.
When is the premium credited?
The premium is automatically credited to your building savings account annually.
Important: If you terminate the contract early (before 6 years), the premium must be repaid!
Bausparvertrag model calculation
Model calculation over 6 years, €7,200 contribution
| Payment Method | Payout | Earnings |
|---|---|---|
| Monthly €100 | ≈ €7,638 | ≈ €438 |
| Annual €1,200 | ≈ €7,692 | ≈ €492 |
| Lump sum €7,200 | ≈ €7,990 | ≈ €790 |
Model calculation assuming 1.0 percent p.a. interest plus 1.5 percent state Bausparprämie on contributions up to €1,200 per year, before 25 percent KESt on bank-deposit interest. Actual terms vary by building society, tariff and market rates. Your building society's AGB are decisive.
Who is a Bausparvertrag suitable for?
Parents and grandparents
Supported savings format as a gift for children and grandchildren with their own registered residence in Austria.
Young people
Some building societies offer dedicated youth tariffs with bonus interest. Confirm conditions directly with the building society.
Future homeowners
Right to a Bauspardarlehen with the AGB-based 6 percent rate cap after the six-year term.
Safety-oriented savers
Guaranteed minimum interest per AGB plus statutory deposit insurance up to €100,000 per bank per customer.
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Read more →Frequently asked questions about Bausparvertrag
How high is the Bausparprämie in Austria for 2026?+
The state Bausparprämie for 2026 is 1.5 percent. It applies to contributions of up to €1,200 per person per year, so the maximum bonus is €18 per year per contract. The rate is set annually by the Federal Ministry of Finance and published on oesterreich.gv.at.
How long does a Bausparvertrag run in Austria?+
The minimum term is six years. Closing the contract early usually means repaying the state premium. After six years you can keep the contract running, close it, or apply for the Bauspardarlehen. The decisive document is the AGB of your building society.
Which building societies operate in Austria?+
Four building societies operate in Austria: Raiffeisen Bausparkasse, s Bausparkasse, start:bausparkasse and Wüstenrot Bausparkasse. All four are supervised by the FMA and governed by the Bausparkassengesetz (BSpKG).
What is the interest rate cap on the Bauspardarlehen?+
The Bauspardarlehen interest rate is contractually capped at 6 percent in the AGB of all four Austrian building societies. This is an industry-wide AGB standard, not a statutory cap. References: konsumentenfragen.at, FMA.
Can expats open a Bausparvertrag in Austria?+
Yes. The standard requirements are a registered main residence in Austria and unlimited tax liability. With those in place, expats with a valid residence title can sign a Bausparvertrag and use the state premium. Detailed terms vary by building society.
How safe is my money in a Bausparvertrag?+
Bauspareinlagen are protected by Austrian deposit insurance up to €100,000 per customer per bank, supervised by FMA and OeNB. A guaranteed minimum rate is set in the AGB of each building society. The actual rate can be higher.
Sources: Federal Ministry of Finance (BMF), Financial Market Authority (FMA), oesterreich.gv.at, konsumentenfragen.at, Bausparkassengesetz (BSpKG, RIS).
Check Bausparvertrag conditions at durchblicker.at
durchblicker.at lists current conditions, interest rates and the state premium for all four Austrian building societies, free and non-binding.
Check conditions at durchblicker.at