Subsidies, Leasing, Insurance & Bonus
We present to you here various options for your cargo bike
Cargo bike subsidies
We will explain to you the cargo bike subsidies of the city of Aachen, as well as those of STAWAG in detail.
Bike Lease
We work with numerous leasing providers who enable you to save up to 40% on your new cargo bike.
Insurance
Through our insurance partner Alteos, you can take out a good insurance policy for your cargo bike.
Bonus program
Our bonus programme "Refer friends, give Joy", which rewards referrals with a voucher of up to 100€.
Cargo bike subsidies
Private & gewerbliche Lastenrad-Förderung im Überblick
Not only are they practical for everyday life, but they also make an important contribution to sustainable urban development. The government has recognised this and promotes the use of cargo bikes, both privately and commercially.
The good news: Many federal states and municipalities support the purchase of cargo bikes with financial incentives.
We have summarised below the funding opportunities available in Aachen for you.
Don't you live nearby? On cargobike.jetzt you will find a map of Germany with all current funding opportunities.
City of Aachen
Subsidies for private households
Die Stadt Aachen bietet privaten Haushalten bis zu 2.500 € Zuschuss für den Kauf eines Lastenrads. Je nach Haushaltseinkommen variiert der maximale Betrag.
Who can be supported?
Families
With at least one child under 18 years old
Civil partnerships
With at least one child under 18 years old
Single parent
With at least one child under 18 years old
Special cases
Severely disabled individuals, people with special needs, multipliers (e.g. educators)
What is being subsidized?
- New cargo bikes: Two- or three-wheeled cargo bikes with a minimum payload of 45 kg and 70 litres of transport volume
- Longtails: Only if they have a solid loading area or special attachments for cargo transport
The cargo bike does not need to provide options for transporting children. It can also be subsidised for the sole purpose of transporting goods, such as shopping or school backpacks.
Important Conditions:
- A funding application must be submitted first before the order can be placed.
- Primary residence in Aachen
Additional Information:
- Special cases can also be supported, such as transport bicycles for people with severe disabilities or specialist bicycles for individuals with special needs.
- Leasing und Finanzierung des Rades ist möglich, es muss jedoch im Förderantrag angegeben werden.
- The city reserves the right to reject funding applications.
Income group annual income | Taxable annual income | Funding amount for electric cargo bike | Funding amount for non electric cargo bike |
1 | up to €28.000 | €2.500 | €1.250 |
2 | up to €40.000 | €2.200 | €1.100 |
3 | up to €54.000 | €2.000 | €1.000 |
4 | up to €68.000 | €1.600 | €800 |
5 | up to €87.000 | €1.200 | €600 |
6 | up to €105.000 | €800 | €400 |
7 | up to €120.000 | €300 | €150 |
8 | > €120.000 | €0 | €0 |
STAWAG
For all STAWAG customers in the postcode area 52XXX
Receive up to €300 (max. 10% of the purchase price) on your new cargo bike.
Important: The funding application must be submitted within one month of purchase! No application needs to be made before the purchase.
Federal Subsidy BAFA
For business use only (B2B)
What is being subsidized?
The BAFA supports the purchase of e-cargo bikes and e-cargo trailers that are specifically designed for bicycle-based freight transport – that is, the transport of goods by bicycle. Only brand new, mass-produced vehicles that are designed as an integral part of the bicycle and offer more transport volume than conventional bicycles are eligible for funding. These must have a permissible total weight of at least 170 kg.
Not eligible for subsidies are cargo bikes that
- are designed for passenger transport (e.g. rickshaws),
- are acquired for private purposes (e.g. shopping, commuting),
- can be used as a sales stand or for sales setups (e.g. beverage sales) or as a permanent advertising or information stand,
- are leased or acquired through hire purchase,
- are to be acquired for sharing purposes,
- can be purchased used or are equipped with predominantly used components,
- were retrofitted with an electric motor,
- are not brand new.
Who can be supported?
Funding applications can be submitted by private companies, self-employed individuals, as well as corporations or institutions under public law (such as universities). Local authorities such as municipalities and their institutions, as well as associations, are not eligible to apply.
Application procedure
Interested parties submit the application via the BAFA application platform. In advance, the information sheet on the e-cargo bike guidelines and further details should be read carefully to understand all requirements and funding conditions.
After receiving a grant notification, a usage report must be submitted, documenting the appropriate use of the funded measures.
Our leasing partners
Mit JobRad & Co. bis zu 40% sparen
Mit Anbietern wie JobRad, BusinessBike oder lease a bike kannst du dein Wunsch-Lastenrad bequem über deinen Arbeitgeber leasen – steuerlich attraktiv & ohne hohe Einmalzahlung.
Is your provider not listed? Send us an email and we will get in touch with your leasing provider.
Send us an email
Don't worry about your cargo bike – with the Alteos E-Bike insurance, you are always well protected
Your cargo bike is more than just a means of transport – it is freedom, sustainability, and a smart investment. So that you can ride worry-free at any time, the Alteos E-Bike Insurance offers you comprehensive protection, so you don't have to worry about unexpected damages or theft.
Why is insurance worth it for you?
- Optimal protection against theft – If your cargo bike is stolen, you will receive a reimbursement at the new value. The premium package even includes an inflation adjustment of up to 15%
- Protection against damage – Whether it's a fall, vandalism, or material defect – your bike is fully protected.
- Wear and tear included – Brakes, tyres, and batteries are also insured, so you don't have to worry about high follow-up costs.
- Quick and straightforward claims processing – No paperwork, no long waiting times – just fast help when you need it.
Drive relaxed, without risk
Whether you are shopping with your cargo bike, transporting the children, or using it in everyday life – with the Alteos E-Bike insurance, you are on the safe side and can fully concentrate on your ride.
Secure protection now
Insure your cargo bike today and enjoy unrestricted mobility without any nasty surprises. Get advice and learn more about your personal all-round protection.
Freunde werben & Bonus sichern
Recommend us to others and secure a voucher worth up to €100*. This way, you can enjoy your cargo bike for even longer. And your friends? They will be pleased with an eco-friendly and practical means of transport.
* Applies only to a completed purchase of an e-cargo bike. For a cargo bike without electric assistance, the referring person receives €50. There is no annual limit.