Hausbank München eG Bank für Haus- und Grundbesitz products, services and reviews

About Hausbank München eG Bank für Haus- und Grundbesitz

Hausbank München eG – Bank für Haus- und Grundbesitz is a Munich-based cooperative bank that focuses on financial services for the property and land-ownership sector, serving homeowners’ associations (WEG), property managers, landlords, housing companies, and private owners alongside standard retail and small-business clients. The offering includes current accounts and payment services, savings and term deposits, rental deposit accounts (Mietkautionskonto) and escrow/treasury solutions for property administration, as well as financing for purchases, construction, refurbishment, and energy-efficiency upgrades; commercial real estate lending and liquidity facilities for administrators are also available. Digital banking is provided via online and mobile channels with two-factor authentication, and corporate clients can use EBICS; third‑party software access is typically supported through common German standards such as FinTS/HBCI. Card products generally include girocard and optional credit cards with contactless functions; mobile wallet compatibility depends on card type and issuer arrangements. Cash services are accessible through the cooperative ATM network, and payment capabilities cover domestic SEPA and international transfers via SWIFT. As a registered cooperative (eG), customers may be able to acquire member shares subject to eligibility and terms. Pricing follows published fee schedules with account models tailored to private clients, property managers, and associations; interest conditions and lending rates are market-based and subject to change. The bank operates primarily in its home region with branch and remote advisory, and onboarding typically involves standard German identification procedures (e.g., video or postal verification). Oversight is by BaFin and the Deutsche Bundesbank, and deposits are protected by the statutory €100,000 guarantee per depositor alongside the institutional protection scheme of the National Association of German Cooperative Banks (BVR). The specialization in real estate administration and ownership support provides sector-specific processes—such as dedicated WEG account structures and reserve management—while the regional footprint and cooperative setup mean availability, membership options, and product features are defined by local policies and the bank’s current tariff and lending criteria.