TeamBank
- Company typePrivate
- Founded1950
- HeadquartersNuremberg, Germany
- Headcount501–1,000
- GTM typeB2B and B2C
- OfferingServices
TeamBank firmographics
Firmographics- Name
- TeamBank
- Legal name
- TeamBank AG Nürnberg
- Website
- https://teambank.de
- Company type
- Private
- Founded year
- 1950
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Ownership category
- akta.pro rank
TeamBank industry classification
Industry- Product category
- Consumer Lending
- NAICS
- Sales Financing (52222), Sales Financing (522220), Other Nondepository Credit Intermediation (52229)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- B2B / Invoice-Based BNPL (Trade Credit at Checkout) (FSAGAIAC)
Keywords
Where TeamBank is headquartered
LocationHeadquarters
- HQ city
- Nuremberg
- HQ country
- Germany
- HQ region
- Europe
Offices2 records
Markets served
TeamBank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Others
Revenue model
- Consumer Loan Interest Income: Interest income from consumer loans (Sofortkredit/dauerhafter Liquiditätsexperte) extended to end customers. Customers pay interest only on amounts actually disbursed from their financial framework.
- easyCredit-Ratenkauf Transaction Fees: Transaction-based revenue from embedded installment purchase (Ratenkauf) integrated into merchant checkout flows. Merchants receive the full purchase amount upfront; customers pay in installments to TeamBank.
- easyCredit-Rechnung Transaction Fees: Revenue from invoice-based purchase (Rechnungskauf) in e-commerce, where customers pay higher-priced online purchases (50-5,000 EUR) on invoice through the TeamBank platform.
- Partner Bank Commissions: Commissions paid to partner Genossenschaftsbanken for distribution of easyCredit products. In 2025, TeamBank distributed approximately 200 million EUR in commissions to partner banks.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Usage-based | Monthly | easyCredit financial framework up to 75,000 EUR |
| Transaction based/ take rate | Pay-as-you-go | easyCredit-Ratenkauf (Installment Purchase) |
| Transaction based/ take rate | Pay-as-you-go | easyCredit-Rechnung (Invoice Purchase) |
| Usage-based | Monthly | der faire Credit (Austria) |
Go-to-market motion3 records
Distribution channels6 records
Marketing channels6 records
TeamBank product offering
Product offeringCore offering
TeamBank provides flexible consumer credit and embedded finance solutions under the easyCredit brand. The flagship product is the Sofortkredit mit finanziellem Spielraum — a permanent on-demand credit framework up to 75,000 EUR where interest is charged only on disbursed amounts. Additional offerings include easyCredit-Ratenkauf (embedded installment purchase at 3,500+ merchants) and easyCredit-Rechnung (invoice-based e-commerce purchasing 50-5,000 EUR, launched July 2025). In Austria, the company offers der faire Credit through partner Volksbanken and Raiffeisenbanken.
Differentiator
Problem solved
Functional benefit
Brands
- easyCredit: The primary consumer credit brand offering a permanent liquidity solution with a flexible financial framework, available online and at cooperative bank branches across Germany. Product includes a financial flexibility line (finanzieller Spielraum) up to 75,000 EUR and an associated mobile app (easyCredit+).
- easyCredit-Ratenkauf
- easyCredit-Rechnung
- der faire Credit
Products and services
- easyCredit (Sofortkredit mit finanziellem Spielraum) Permanent consumer credit framework up to 75,000 EUR available to individual consumers in Germany via Genossenschaftsbanken branches and digital channels. Customers pay interest only on amounts actually disbursed and can reload the framework. Served by over 1 million customers.
- easyCredit-Ratenkauf
Quantifiable outcome
- 500,000+ app installations achieved in July 2025 (439,000 Germany, 61,000 Austria)
- +5 more outcomes
Companies that use TeamBank
Customer profileNamed customers3 records
Segments4 records
Ideal customer profiles4 records
TeamBank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability5 records
Feature5 records
TeamBank partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core and minor.
- ZEG Zweirad-Einkaufs-Genossenschaft eGcoreZEG is Europe's largest bicycle retail association with around 1,000 member firms. It uses easyCredit-Ratenkauf for installment payments, strengthening TeamBank's position in the embedded finance market. Recognized by OMR Reviews as best-rated BNPL/installment provider. The partnership provides customers with simple, transparent, and fast installment payment solutions.
- R+V Versicherung (R+V Lebensversicherung AG, R+V Allgemeine Versicherung AG)minorTeamBank acts as an insurance agent for R+V Versicherung products: death and disability risk insurance (R+V Lebensversicherung AG) and supplementary insurance for unemployment, short-time work, and divorce (R+V Allgemeine Versicherung AG). R+V Versicherung is a subsidiary of DZ BANK AG.
- Genossenschaftliche FinanzGruppe Volksbanken RaiffeisenbankencoreThe Genossenschaftliche FinanzGruppe (cooperative financial group) is TeamBank's primary distribution network. TeamBank provides easyCredit products to partner banks (Volksbanken and Raiffeisenbanken) for distribution to end consumers. In 2025, TeamBank paid approximately 200 million EUR in commissions to partner banks.
Scale indicators9 records
Recent moves6 records
Expansion highlights6 records
TeamBank competitors and assessment
Company assessmentDirect peers
- Riverty (formerly Arvato Financial Solutions): Riverty is a Bertelsmann-owned BNPL and consumer finance provider headquartered in Germany, offering invoice, installment, and direct debit solutions to merchants across Europe. It directly competes with easyCredit-Ratenkauf and easyCredit-Rechnung in embedded finance at checkout.
- Klarna: Klarna is the largest global BNPL provider with significant operations in Germany through Pay in 3, Pay in 4, Pay Later, and Financing products. It competes head-to-head with easyCredit-Ratenkauf in German e-commerce checkout and increasingly in longer-term installment lending.
- Ratepay: Ratepay is a Berlin-based BNPL provider offering invoice, installment, and direct debit payments for German and European merchants, owned by Nexi. It is a direct competitor to easyCredit-Ratenkauf and easyCredit-Rechnung in the DACH e-commerce checkout.
- Consors Finanz (BNP Paribas Personal Finance): Consors Finanz is the German consumer credit arm of BNP Paribas Personal Finance, offering installment loans, BNPL at point of sale, and auto financing. It directly competes with easyCredit's consumer loan and embedded finance products in Germany.
- Santander Consumer Bank: Santander Consumer Bank is one of Germany's largest consumer lenders, providing installment loans, auto financing, and credit cards. It competes with TeamBank's easyCredit Sofortkredit offering for German consumer credit market share.
- S-Kreditpartner (Sparkasse): S-Kreditpartner is the consumer credit specialist of the Sparkassen-Finanzgruppe, offering installment loans and consumer financing through Sparkasse branches. It is the structural mirror of TeamBank within the cooperative rival Sparkassen group, competing for the same German consumer credit customer base.
- Hanseatic Bank: Hanseatic Bank is a German specialist bank offering installment loans, credit cards, and savings products to consumers. It competes with TeamBank's easyCredit franchise in the German consumer credit and credit card market.
Broad incumbents
- TARGOBANK: TARGOBANK is a major German retail bank offering consumer loans, credit cards, and current accounts. As a broader banking incumbent it overlaps with TeamBank's installment loan and consumer credit offerings across Germany.
Emerging players
- smava: smava is a German online credit comparison marketplace that aggregates consumer loan offers from multiple banks. It is an adjacent competitor channeling loan demand in Germany, partially overlapping with TeamBank's direct consumer credit acquisition.
Regional players
- Advanzia Bank: Advanzia Bank is a Luxembourg-headquartered credit card and consumer credit provider active across Germany, Austria, and other European markets. It competes with TeamBank's flexible credit framework and embedded finance offerings in the DACH region.
Market position
Strengths5 records
Weaknesses5 records
Key risks6 records
Key highlights7 records
Customer concentration
TeamBank social profiles
Digital presenceTeamBank financial estimates
Financial estimateRevenue estimate
Valuation estimate
TeamBank leadership team
Management profileNumber of profiles
Profiles5 records
TeamBank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
TeamBank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about TeamBank
What does TeamBank do?
TeamBank provides flexible consumer credit and embedded finance solutions under the easyCredit brand. The flagship product is the Sofortkredit mit finanziellem Spielraum — a permanent on-demand credit framework up to 75,000 EUR where interest is charged only on disbursed amounts. Additional offerings include easyCredit-Ratenkauf (embedded installment purchase at 3,500+ merchants) and easyCredit-Rechnung (invoice-based e-commerce purchasing 50-5,000 EUR, launched July 2025). In Austria, the company offers der faire Credit through partner Volksbanken and Raiffeisenbanken.
Is TeamBank a public or private company?
TeamBank is a private company. It is classified as corporate owned and is currently operating.
When was TeamBank founded?
TeamBank was founded in 1950. It employs 501 to 1,000 people.
Where is TeamBank based?
TeamBank is headquartered in Nuremberg, Germany, in the Europe region.
How does TeamBank make money?
Four revenue lines are on record. Consumer Loan Interest Income is the primary driver. The others are easyCredit-Ratenkauf Transaction Fees, easyCredit-Rechnung Transaction Fees and partner Bank Commissions.
Who are TeamBank's main competitors?
Direct peers on record are Riverty (formerly Arvato Financial Solutions), Klarna, Ratepay, Consors Finanz (BNP Paribas Personal Finance), Santander Consumer Bank, S-Kreditpartner (Sparkasse) and Hanseatic Bank. TARGOBANK is listed as a broad incumbent. smava is listed as an emerging player. Advanzia Bank is listed as a regional player.
Does TeamBank have an API?
No public API is recorded for TeamBank.
What industry is TeamBank in?
TeamBank's product category is Consumer Lending. Its primary akta.pro industry code is FSAGAIAC, B2B / Invoice-Based BNPL (Trade Credit at Checkout). Its NAICS code is 52222 and its SIC code is 6141.