Volksbank eG

What Volksbank eG does

Volksbank eG – Die Gestalterbank is a German cooperative bank (eingetragene Genossenschaft) founded in 1867 and headquartered at Am Riettor 1, Villingen-Schwenningen, Baden-Württemberg. Operating within the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken cooperative banking network, the bank serves three customer segments: retail customers (Privatkunden) via giro accounts, fixed-term savings (Festzinskonto TopZins up to 2.85% p.a.), debit/credit cards (Mastercard/Visa), and instant credit; business customers (Firmenkunden) via business accounts (Geschäftskonto), business loans (Unternehmerkredit up to 100,000 EUR), international payment services, and company pension schemes (Direktversicherung); and clubs/associations (Vereine) through community engagement programs including Sterne des Sports and HerzenssachePreis.

The bank operates a hybrid technology stack combining physical branches with cooperative-shared digital infrastructure, including the VR Banking App, OnlineBanking portal, Wero real-time instant payments (phone-number based peer-to-peer transfers), and Kwitt mobile payments. Core lending and savings products are offered alongside partner-distributed third-party products: easyCredit consumer loans from TeamBank, insurance from R+V Versicherung, and investment funds from Union Investment. Digital marketing efforts include segmented newsletters and an influencer campaign that delivered 61 million impressions and a 21% boost in Kwitt registrations.

Volksbank eG is a member-owned cooperative with no external shareholders, generating revenue through net interest income from lending, account service fees, and transaction-based commissions from partner product distribution. As of the Bilanzpressekonferenz 2026 (March 19, 2026), the bank's total balance sheet exceeded 14 billion EUR. The institution employs 1,001-5,000 staff and operates with a regional focus in the Villingen-Schwenningen area, with its four-member Vorstand (Daniel Hirt, Irmgard Sachsenmaier, Alexander Müller, Nicolas Mayer) overseeing strategy. The bank's value proposition centers on regional community engagement, member ownership ('Meine Bank gehört mir'), and hybrid physical-digital advisory services.

Name

Volksbank eG

Legal name

Volksbank eG – Die Gestalterbank

Website

https://gestalterbank.de

Company type

Private

Founded year

1867

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Volksbank eG – Die Gestalterbank is a member-owned German cooperative bank founded in 1867, serving retail customers, SMEs, and clubs/associations in the Villingen-Schwenningen region with deposits, lending, payments, and partner-distributed insurance and investment products.

Ownership category

akta.pro rank

Product category

Cooperative Banking

NAICS

Depository Credit Intermediation (5221)

SIC

National Commercial Banks (6021)

akta.pro primary industry

SME Banking Suite (Business Accounts, Invoicing, Payroll Integrations) (FSAGAAAI)

akta.pro secondary industries

Corporate Cards & Expense Solutions (T&E, purchasing, fleet) (FSABAIAG), Payables & Disbursements (ACH/SEPA, wires, checks, virtual cards) (FSABAIAB)

Keywords

• Cooperative banking services
• Retail and SME lending
• Savings and deposits
• Business banking accounts
• Instant mobile payments

Headquarters

HQ city

Villingen-schwenningen

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others

Revenue model

1. Retail Banking Services: Volksbank eG generates revenue through traditional banking services including giro accounts (Girokonto), savings deposits (Festgeld/Festzinskonto), and credit products for retail customers. Interest income from lending operations forms a core revenue stream.
2. Business Banking Services: Revenue from business customers through Geschäftskonto (business accounts), Unternehmerkredit (business loans up to 100,000 euros), and international payment services (Auslandszahlungsverkehr).
3. Financial Product Partnerships: Partnership revenue streams through distribution of third-party financial products including easyCredit (TeamBank), insurance products (R+V Versicherung, Direktversicherung), and investment products (Union Investment).

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels6 records

Core offering

Volksbank eG – Die Gestalterbank is a cooperative bank offering retail and business banking products to private customers, small and medium-sized enterprises, and local clubs/associations in the Villingen-Schwenningen region of Germany. Core offerings include current accounts (Girokonto, Geschäftskonto), fixed-term savings (Festzinskonto TopZins up to 2.85% p.a.), personal and business loans (Unternehmerkredit up to 100,000 EUR), debit and credit cards via Mastercard/Visa, instant credit through TeamBank's easyCredit, international payments, and company pension schemes (Direktversicherung) via R+V, delivered through branches and digital channels including the VR Banking App with Wero real-time payments.

Product overview

Volksbank eG – Die Gestalterbank operates as a cooperative bank (Genossenschaftsbank) within the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken network. The bank's product portfolio spans core banking services for both private and business customers, including current accounts (Girokonto), fixed-term deposits (Festzinskonto TopZins), credit cards through Mastercard and Visa, instant credit via the easyCredit partnership with TeamBank, business accounts (Geschäftskonto), business credit facilities up to 100,000 EUR (Unternehmerkredit), international payment services (Auslandszahlungsverkehr), and company pension schemes (Direktversicherung). Digital services are delivered through the VR Banking App, which incorporates the Wero real-time payment transfer feature. The bank also offers digital tools including the Online-Banking portal and Multibanking services, alongside partnerships with R+V Versicherung for insurance and Union Investment for fund products.

Differentiator

Problem solved

Functional benefit

Products and services

• Girokonto Current account for private customers to manage daily banking transactions and personal finances, available in multiple models under the cooperative network.
• Festzinskonto TopZins Fixed-term savings account offering interest rates up to 2.85% p.a. with special conditions for customers parking their money for a defined term.
• easyCredit (Sofortkredit) Instant credit product distributed in partnership with TeamBank, offering flexible consumer financing with immediate credit decision and disbursement.
• Debit- und Kreditkarten Debit and credit cards issued through Mastercard and Visa, including virtual card support for Apple Pay, for retail customer payments.
• Geschäftskonto Business current account for commercial customers to handle payment transactions and day-to-day business banking.
• Unternehmerkredit Business credit facility offering up to 100,000 EUR for new plans or deferred projects of regional entrepreneurs and SMEs.
• Auslandszahlungsverkehr International payment services enabling safe and fast cross-border payment orders for business customers.
• Direktversicherung Company pension scheme (betriebliche Altersvorsorge) for employees, distributed in partnership with R+V Versicherung.
• VR Banking App Mobile banking application providing account access, payments, and embedded Wero real-time transfers to customers of the cooperative banking network.
• Wero Real-time money transfer service integrated within the VR Banking App, allowing users to send money instantly using only a mobile phone number.

Quantifiable outcome

• 61 million impressions and 21% boost in Kwitt registrations via charity challenges

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature4 records

Partnerships

Five partnerships are on record, tiered core, flagship and minor.

• TeamBank (easyCredit)coreChannel Partner/ Reseller/ DistributorVolksbank eG distributes easyCredit instant credit products from TeamBank through its banking channels. The partnership enables customers to access flexible financing solutions with immediate decision-making and disbursement capabilities.
• R+V VersicherungcoreChannel Partner/ Reseller/ DistributorR+V Versicherung insurance products are distributed through Volksbank eG, providing customers with comprehensive insurance coverage including property, liability, and life insurance solutions.
• Union InvestmentcoreChannel Partner/ Reseller/ DistributorUnion Investment investment fund products are offered through Volksbank eG, enabling customers to access professionally managed investment portfolios and wealth management solutions.
• Genossenschaftliche FinanzGruppe Volksbanken RaiffeisenbankenflagshipStrategic or Co-development PartnerVolksbank eG is a member of the cooperative banking network (Genossenschaftliche FinanzGruppe) which provides shared technology infrastructure, product platforms (VR Banking App, Wero), collective marketing, and risk sharing across approximately 700 cooperative banks in Germany.
• ubiMasterminorGTM or Marketing PartnerubiMaster is an online tutoring platform promoted by Volksbank eG as part of its community service offerings, providing free online tutoring support to customers.

Scale indicators4 records

Recent moves4 records

Expansion highlights5 records

Direct peers

• Sparkasse Schwarzwald-Baar: Public-sector savings bank directly serving the same Schwarzwald-Baar / Villingen-Schwenningen region with retail, business, and SME banking products. The most direct geographic and product overlap with Volksbank eG – Die Gestalterbank.
• Volksbank Baden-Baden Rastatt eG: Cooperative bank in the broader Baden-Württemberg genossenschaftliche network offering Geschäftskonto, easyCredit distribution, and SME lending. Operates with the same shared VR Banking App / Wero infrastructure.
• Volksbank Mittlerer Schwarzwald eG: Neighboring cooperative Volksbank in the same genossenschaftliche FinanzGruppe, offering nearly identical retail, business, and SME banking products to overlapping Baden-Württemberg markets. Closest cooperative-bank peer.
• Volksbank Allgäu-Oberschwaben eG: Cooperative bank within the genossenschaftliche FinanzGruppe serving retail, business, and association customers with the same product portfolio (Girokonto, Geschäftskonto, easyCredit, VR Banking App). Strong operational and product comparability.
• Sparkasse Bodensee: Regional Sparkasse operating in southern Baden-Württemberg, directly competing with Volksbank eG for retail deposits, SME banking relationships, and regional brand loyalty.
• Sparda-Bank Baden-Württemberg: Cooperative-affiliated Sparda bank serving retail customers across Baden-Württemberg with checking, savings, and consumer credit; competes head-to-head with Volksbank eG for retail share in the same region.

Broad incumbents

• Baden-Württembergische Bank (BW-Bank): Landesbank subsidiary of LBBW serving Baden-Württemberg with retail, SME, and corporate banking; broader portfolio including Landesbank treasury and capital-markets capabilities that overlap Volksbank eG's SME and retail offerings.
• DZ BANK (Genossenschaftliche Zentralbank): Central institution of the German cooperative banking network and supplier of credit-card processing, corporate banking, and capital-markets services to all Volksbanken including Volksbank eG. Functions as upstream infrastructure partner and broad sector incumbent.

Regional players

• Volksbank Kraichgau eG: Cooperative Volksbank in the Kraichgau region of Baden-Württemberg with the same genossenschaftliche product platform and SME-banking focus. Comparable business model though geographically adjacent rather than overlapping.

Emerging players

• N26 Bank GmbH: Berlin-based German neobank offering retail current accounts, payments, and increasingly credit and investment products. Competes with Volksbank eG for digitally native retail customers in Germany, particularly on deposit and payment experience.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/c/VolksbankeG-DieGestalterbank
• Facebookfacebook.com/diegestalterbank
• LinkedInlinkedin.com/company/gestalterbank
• Instagraminstagram.com/gestalterbank
• Xx.com/gestalterbank

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Volksbank eG