TeamBank

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

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

• Consumer lending
• Embedded finance
• Installment credit
• Cooperative banking
• Digital lending platform

Headquarters

HQ city

Nuremberg

HQ country

Germany

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. 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.
2. 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.
3. 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.
4. 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

Go-to-market motion3 records

Distribution channels6 records

Marketing channels6 records

Core 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

Named customers3 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability5 records

Feature5 records

Partnerships

Three partnerships are on record, tiered core and minor.

• ZEG Zweirad-Einkaufs-Genossenschaft eGcoreStrategic or Co-development Partner · 1 January 2025ZEG 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)minorStrategic or Co-development PartnerTeamBank 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 RaiffeisenbankencoreChannel Partner/ Reseller/ DistributorThe 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

Direct 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

• Xx.com/teambank
• Facebookfacebook.com/TeamBankAG
• LinkedInlinkedin.com/company/easycredit-de
• Instagraminstagram.com/teambank_unbeschwert

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 TeamBank