Building savings (Bausparen) is one of the most popular savings forms in Austria. With a state premium, guaranteed interest rates, and the option for affordable home financing, a building savings contract offers security and attractive returns.
Benefits of Building Savings
State Premium
Up to 1.5% government premium on deposits up to €1,200 per year
Safe Investment
Guaranteed interest rates and capital protection - no risk of loss
Affordable Home Loan
Eligibility for building loan with maximum 6% interest rate cap
Flexible Use
Can be used for any purpose - not just home building
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 2025
The state building premium is a key advantage of building savings in Austria.
How much is the premium?
For 2025, 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!
Example Calculation
€7,200 over 6 years
| Payment Method | Payout | Earnings |
|---|---|---|
| Monthly €100 | €7,638 | €438 |
| Annual €1,200 | €7,692 | €492 |
| Lump sum €7,200 | €7,990 | €790 |
The earlier you deposit, the more interest you earn. A lump sum payment therefore yields the highest return.
Who is Building Savings Suitable For?
Parents & Grandparents
Ideal gift for children and grandchildren with government subsidy
Young People
Special youth rates with bonus interest for under 25s
Future Homeowners
Build the foundation for an affordable building loan
Safety-Oriented Savers
Safe investment with guaranteed interest and no risk
Compare Building Savings Now
Compare the terms of all 4 Austrian building societies for free at durchblicker.at.
Go to Building Savings Comparison