Specialised products for administration tasks of owners and advisors

Your banking partner for efficient housing and residential property management

The demands placed on housing and residential property managers are increasing constantly – and digitalisation is the key to greater efficiency. As the leading banking partner to the property, housing and energy industries, we therefore provide support that goes far beyond classic financial services, combining legally secure banking with automated digital workflows.

Whether it's through electronic settlement of payment flows or the integration of our strong partner network, we will provide effective support with your digitalisation projects and optimise your associated business processes. This allows you to reduce your administrative costs significantly, giving you more time to manage your portfolios – an advantage that over 4,000 corporate clients are already enjoying.

1. Convenient account management

We offer legally secure solutions that minimise your administrative costs:

Legal security: Management of open third-party and trust accounts.
Simplified administration: Master agreements make processes simpler, including when it comes to powers of disposal.
Digital: Account management is fully electronic, including the opening of new accounts.
Process optimisation: Clear allocation with virtual account numbers reduces manual work and prevents incorrect entries.
Comprehensive banking tools on the Aareal Portal: You can use the individual order screen, the recipient database for recurring payments to the same recipients, mandate management for SEPA direct debits and the mailbox for electronic account statements and simplified processing of payments of the same type.
Flexibility: The option to use the Electronic Distributed Signature (EDS) at any time, wherever you are – e.g. with the handy mobile app Aareal Sign.

2. Simple tenant deposit management

A fully electronic process that meets all legal requirements:

Functionality: All the functions that businesses require for management of tenant deposits.
Flexibility: Available as either an integrated solution or a web-based standalone solution.
Choice of accounts: Choose between collective or individual account management.
Efficiency: Integrated dunning makes claims management easier.

3. Expertise and services

We won't leave you to deal with technical banking issues on your own:

Expert knowledge: Competent contacts to answer questions relating to technical banking issues and the housing industry.
Networking: Close cooperation with leading software providers in the sector.
Support: Free technical hotline for our applications.

4. Digitalisation of manual processes

We close the gaps in your analogue processes:

Interfaces: Support with digitalisation of processes involving tenants, utilities and owners through our extensive network of partners.
Meter2Cash: Optimisation of the entire process of taking readings and issuing bills with products from First Financial Software GmbH (a joint venture of Aareon and Aareal).
→ Alternative payment methods: Integration into automated management processes with the Exchange & Payment Platform (EPP).
→ MeterCollect: Seamless meter readings and data collection, closing gaps in analogue processes.

Our products and services in detail

Aareal Portal: The modern corporate client portal offers a real-time overview of all accounts (including third-party banks). It includes handy functions for transfers and direct debits.
→ Tip for administrators: You can assign selected read permissions, for example to give advisors an insight.
Aareal Account: Our tried-and-tested electronic banking package designed specifically for small and medium-sized companies. It is compatible with every existing management system and offers an account management solution that is tailored to your company's business model, as well as allowing authorisations to be managed conveniently on the Bank's server.
Electronic tenant deposit management: Available in multiple product versions with labour-saving workflows – from automatic allocation to the tenancy agreement through to calculation of interest (also with connections to third-party banks), including guarantees.
BK01 product family from First Financial Software GmbH: The industry standard for decades by First Financial Software GmbH. Functional integration into key management systems forms the basis for extensively automated processes for all types of incoming and outgoing payment transactions.
Financial investments: Flexible and secure services with different investment horizons and conditions in line with the market.

Contact page

Aareal Bank Group, headquartered in Wiesbaden, is a leading international property specialist. Aareal Bank AG is the Group’s parent entity. As a financing partner and service provider, Aareal Bank Group supports its clients in more than 20 countries on three continents. We have bundled our portfolio of services into two business segments.

The Structured Property Financing segment encompasses all of Aareal Bank Group’s property financing and funding activities.
In the Banking & Digital Solutions segment, Aareal Bank Group supports businesses from the housing, property management and energy industries as a digitalisation partner – combining extensive advisory services and product solutions with traditional corporate banking services and deposit-taking.

As the market leader for the German property industry, we understand managers' processes. Our aim is to offer you a genuine competitive advantage through digital solutions and extensive knowledge of the sector.

Around 4,000 companies – two thirds of which operate in third-party management – already benefit from our expertise.

Our core services for managers:

Needs-based account management and provision of virtual account numbers support process optimisation, particularly when using the BK01 systems from First Financial Software GmbH: The BK01 payment method offers an unparalleled level of automation, thanks to its exclusive integration into common property management systems. That saves time and reduces the amount of manual work.
A strong network of IT partners: Through long-term cooperation agreements with the industry's leading IT manufacturers, we enable mass payment transactions to be processed automatically.
Regional contacts: We have a regional network and are available to meet you and your customers in person at our sales centres (Berlin, Essen and Wiesbaden).
Decades of experience: We have been firmly established in the housing industry for over a century. Our roots date back to our foundation as Deutsche Wohnstätten-Bank AG in 1923. As far back as the 1960s, we began offering electronic payments and later data centre services.

We are deeply committed to the property management sector, which is reflected in concrete partnerships and active participation in industry developments:

We are a cooperation partner to Verband der Immobilienverwalter Deutschland e.V. (VDIV Deutschland).
We are a member of Bundesfachverband der Immobilienverwalter e.V. (BVI).
We take part in a variety of established events for managers nationwide.

We do this because we strongly believe that the housing industry is a key part of our economy and society. We see it as our responsibility to support market operators with their current challenges and to contribute our own ideas to help them find solutions.

In the property management business, it is particularly important to use efficient solutions and processes to free up time to work on the properties and with clients. Aareal Bank's payment transaction and electronic banking services do exactly that and are specially tailored to the management of third-party portfolios.

We offer two core solutions for this:

Both offer many advantages for the housing industry in the form of complete workflows and convenient detailed features. When used by third-party managers, these are supplemented with specific added value.

There are two established protection schemes that apply to deposits at Aareal Bank. The deposit guarantee scheme of German banks (Entschädigungseinrichtung deutscher Banken GmbH ‒ EdB) ‒ membership of which is required by law for German banks ‒ guarantees protection for every depositor for sight, term and savings deposits up to an amount of € 100,000.

Aareal Bank AG is also a member of the Deposit Protection Fund of the Association of German Banks (Einlagensicherungsfonds des Bundesverbandes deutscher Banken e.V. - BdB). This supplements the protection provided by the statutory deposit guarantee scheme. According to the current by-laws of the Deposit Protection Fund, each protected creditor will be compensated up to a protection ceiling of 8.75% of the Bank's own funds, but in each case capped at a maximum compensation amount of € 3 million (natural persons and entities treated as such) or € 30 million (non-financial corporations and entities treated as such). From 1 January 2030, the maximum compensation amounts will be € 1 million (natural persons and entities treated as such) or € 10 million (non-financial corporations and entities treated as such).

The Bank will inform the client of the relevant protection ceiling upon request; the protection ceiling is also available on the Internet at https://einlagensicherungsfonds.de (in German).

For detailed information on the scope of protection according to the by-laws of the Deposit Protection Fund, we kindly ask you to refer in particular to No. 20 of our General Terms and Conditions and to section 6 of the by-laws of the Deposit Protection Fund, which you can also find at the web address provided above.

Aareal Bank is majority-owned by Atlantic BidCo GmbH which is indirectly held by funds controlled, managed or advised by Advent International Corporation (“Advent”) and Centerbridge Partners (“Centerbridge”) as well as CPP Investment Board Europe S.à.r.l., a wholly-owned subsidiary of Canada Pension Plan Investment Board (“CPP Investments”), and other minority shareholders.