Volksbank Raiffeisenbank Oberbayern Südost eG

What Volksbank Raiffeisenbank Oberbayern Südost eG does

Volksbank Raiffeisenbank Oberbayern Südost eG is a German registered cooperative bank (eingetragene Genossenschaft/eG), headquartered in the Oberbayern Südost region with its primary base in Bad Reichenhall/Traunstein and serving private and corporate customers in southeastern Upper Bavaria. The bank delivers a full 'Allfinanz' product suite — current accounts, savings, deposits, investment funds, brokerage, mortgages, consumer credit, insurance, building society products, and retirement planning — distributed through a regional branch network and a TÜV Saarland-certified digital platform comprising OnlineBanking, the VR Banking App, the VR SecureGo plus authentication app, and remote onboarding via IDnow video identification.

The technology stack is largely group-shared through the Genossenschaftliche FinanzGruppe, including FinTS/EBICS for corporate electronic banking, the Wero digital wallet on the European Payments Initiative (EPI) infrastructure for real-time P2P and online payments, UnionDepot via Union Investment for securities custody, and integration with Apple Pay and Google Pay. Core proprietary elements are limited to the local member-facing VR Banking App configuration, the promotional deposit product VR Vermögensschutzkonto, and locally underwritten credit programmes such as the VR Regionaldarlehen (3.55% effective annual rate).

The revenue model combines net interest income from lending and deposit spreads (e.g., Dispokredit at 6.90%–11.50% p.a. by account tier, overdraft tolerated at 3.00% p.a.) with commission and fee income from distributing partner products — R+V insurance, Union Investment funds, Bausparkasse Schwäbisch Hall contracts, TeamBank easyCredit, and MünchenerHyp mortgages — alongside card transaction fees and securities brokerage commissions. Members also subscribe to cooperative shares, generating low-cost funding and dividends, with pricing structured in tiered account models and select fixed-term promotional rates. The go-to-market is multi-channel, combining physical advisory, online appointment booking, and digital self-service.

Name

Volksbank Raiffeisenbank Oberbayern Südost eG

Legal name

Volksbank Raiffeisenbank Oberbayern Südost eG

Website

https://vrbank-obb-so.de

Company type

Private

Founded year

1860

Operating status

Operating

Headcount range

101–250 employees

Short description

Volksbank Raiffeisenbank Oberbayern Südost eG is a German cooperative bank (eG) headquartered in Bad Reichenhall that serves retail and SME customers in southeastern Upper Bavaria with full Allfinanz services — current accounts, savings, lending, funds, insurance, and digital payments via OnlineBanking, the VR Banking App, and the Wero wallet.

Ownership category

akta.pro rank

Product category

Cooperative Retail Banking

NAICS

Credit Unions (522130), Depository Credit Intermediation (5221)

SIC

Savings Institutions, Not Federally Chartered (6036), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Agricultural & Rural Development Banks (FSABAKAE)

akta.pro secondary industry

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

Keywords

• Retail banking services
• Cooperative banking
• Mortgage lending
• Consumer credit
• Insurance distribution

Headquarters

HQ city

Bad Reichenhall

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

Revenue model

1. Net Interest Income: Primary revenue stream from lending activities including mortgages, consumer loans, and business financing. Interest rate spreads on deposit accounts (VR Girokonto models with variable Sollzinssatz ranging from 6.90% to 11.50% for overdraft facilities) and credit products.
2. Commission Income: Fees from payment services, account management, securities brokerage (UnionDepot, Union Investment), insurance product distribution (R+V Versicherung), and building society products (Bausparkasse Schwäbisch Hall). Includes card transaction fees, brokerage commissions, and insurance referral fees.
3. Insurance Distribution (R+V, Bausparkasse Schwäbisch Hall): Ongoing commission revenue from distribution of insurance products and building society contracts through the branch and advisory channel.
4. easyCredit (TeamBank Partnership): Revenue share or commission from the TeamBank easyCredit instant credit product offered through the bank's channels, marketed as 'Sofortkredit mit finanziellem Spielraum'.
5. Membership and Share Dividends: As a cooperative (eG), the bank issues member shares. Members pay a membership contribution and may receive annual dividends. The cooperative structure generates loyalty and low-cost funding.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels5 records

Core offering

Volksbank Raiffeisenbank Oberbayern Südost eG is a cooperative bank providing retail and commercial banking services in southeastern Upper Bavaria, Germany. Its core offering spans current accounts, savings and investment products, real estate financing, consumer credit, securities and brokerage services, insurance distribution (R+V partner products), retirement planning, and property services, delivered through regional branches, OnlineBanking, and the VR Banking App with integrated Wero real-time payments.

Product overview

Volksbank Raiffeisenbank Oberbayern Südost eG operates as a cooperative (Genossenschaftsbank) offering a broad allfinanz product portfolio organized across six core customer-facing pillars: (1) Girokonto & Bezahlen — current accounts (VR Girokonto in five tiers), debit/credit cards (Mastercard, Visa, girocard), mobile payments via VR Banking App (Apple Pay, Google Pay, Wero), and OnlineBanking; (2) Geldanlage & Sparen — savings products (VR VermögensschutzKonto, VR Festgeld, VR ExtraSparen, Sparkonto, Gewinnsparen), investment products (VermögenPlus, WertAnlage combining human + AI, Fondssparplan, Goldsparplan, Gold/Silver bullion), and brokerage (Online-Brokerage, Wertpapierdepot, VR Mein Depot, UnionDepot via Union Investment); (3) Kredit & Finanzieren — overdraft (Dispokredit), instant credit (easyCredit via TeamBank at 3.55% eff. annual rate), and real estate financing (Baufinanzierung, VR Regionaldarlehen, VR Anschlussdarlehen, VR ImmoRente, KfW subsidies, Bausparvertrag via Schwäbisch Hall); (4) Immobilie & Wohnen — property search, sale, valuation, and financing services; (5) Versicherung & Schützen — comprehensive R+V insurance (auto, home, liability, legal, health, dental, nursing care, occupational disability, accident, bank safe deposit box); (6) Zukunft & Vorsorgen — retirement planning (company pension, Riester/UniProfiRente, fund-linked pension, Rürup-Rente, VR GenerationenBeratung). The VR Banking App serves as the primary digital channel, integrating Wero for P2P payments, VR SecureGo plus for transaction authorization, and UnionDepot for securities management. Business customers access OnlineBanking for Firmenkunden with FinTS/EBICS protocols. Insurance products are distributed exclusively through R+V Versicherung. Credit products include easyCredit (TeamBank) and Baufinanzierung (via MünchenerHyp). All products are accessible via multi-channel distribution: branch, OnlineBanking, VR Banking App, video identification, and telephone.

Differentiator

Problem solved

Functional benefit

Brands

• VR Banking App: Mobile banking application for managing finances, payments, and account access on smartphones and tablets
• VR SecureGo plus App
• easyCredit
• Wero
• VR KontoFinder
• VR Kontoschutzpaket
• MeinPlus
• VR GenerationenBeratung
• VR Regionaldarlehen
• VR VermögensschutzKonto

Products and services

• VR Girokonto (Premium / Komfort / Klassik / Direkt / MeinKonto) Current account offering for private customers in five fee tiers, each providing girocard, OnlineBanking and VR Banking App access; overdraft (Dispokredit) rates vary by tier from 6.90% to 11.50% p.a. variable.
• VR VermögensschutzKonto Savings deposit account for capital preservation with 2.50% p.a. fixed interest; subject to a limited-time 5% p.a. promotional Volltreffer rate from 1 June to 17 July 2026 on balances from EUR 1,000 for 5 months.
• VR Festgeld
• VR Kündigungsgeld
• VR ExtraSparen
• Sparkonto
• Gewinnsparen
• Fondssparplan
• Goldsparplan
• Gold und Silber (Münzen und Barren)
• VermögenPlus
• WertAnlage
• UnionDepot
• Wertpapierdepot
• Online-Brokerage
• VR Mein Depot
• Dispokredit (eingeräumte Überziehungsmöglichkeit)
• easyCredit
• VR Regionaldarlehen
• VR Anschlussdarlehen
• VR ImmoRente
• Modernisierungskredit (Sanierung und Modernisierung)
• KfW-Förderung
• Bausparvertrag (Bausparkasse Schwäbisch Hall)
• Immobilienvermittlung (VR Immobilien)
• VR Banking App Mobile banking application ('the bank in your pocket') for iOS and Android providing account management, transfers (including photo/QR transfers), mobile payments via Apple Pay, Google Pay and Wero, brokerage control, CO2 footprint calculation, household budgeting, and ATM finder. TÜV Saarland security certified.
• VR SecureGo plus App
• Debit- und Kreditkarten (Mastercard / Visa / girocard)
• OnlineBanking (Privatkunden)
• OnlineBanking für Firmenkunden
• Kfz-Versicherung (R+V)
• Hausratversicherung (R+V)
• Wohngebäudeversicherung (R+V)
• Private Haftpflichtversicherung (R+V)
• Rechtsschutzversicherung (R+V)
• Auslandsreise-Krankenversicherung (R+V)
• Private Krankenversicherung (R+V)
• Zahnzusatzversicherung (R+V)
• Pflegezusatzversicherung (R+V)
• Berufsunfähigkeitsversicherung (R+V)
• Unfallversicherung (R+V)
• Bankschließfachversicherung (R+V)
• Betriebliche Altersvorsorge (bAV)
• UniProfiRente / 4P (Riester-Fondssparplan)
• Fondsgebundene Rentenversicherung (R+V)
• Rürup-Rente (Basisrente)
• R+V-AnlageKombi Safe+Smart
• R+V-AnsparKombi Safe+Smart

Quantifiable outcome

• R+V Mitglieder-Plus paid out EUR 24 million in cashback to members based on 2025 claims experience across the insurance pool.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

AI capability5 records

Feature6 records

Partnerships

Eleven partnerships are on record, tiered core.

• R+V Versicherung (R+V Versicherungsgruppe)coreTechnology or IntegrationR+V is one of Germany's largest insurers with over 9 million customers, more than 18,400 employees, and approximately 26 million insured risks. The bank distributes R+V's full range of insurance products including property, liability, life, health, vehicle, and pet insurance, as well as the R+V BKK public health insurance fund. R+V also offers the Bankschließfachversicherung (safe deposit box insurance) and natural hazard insurance products (Naturgefahren Plus).
• Union InvestmentcoreTechnology or IntegrationUnion Investment is one of Germany's leading fund companies with over 5.8 million customers. The bank distributes Union Investment products including VermögenPlus (actively managed and index funds and ETFs), the UnionDepot (securities custody and management platform), and Fondssparplan. UnionDepot is accessible directly within OnlineBanking and VR Banking App.
• TeamBank AG (easyCredit)coreTechnology or IntegrationTeamBank is a partner bank offering the easyCredit product — a flexible instant credit combining features of installment credit and revolving credit. Over one million customers use easyCredit. The bank distributes easyCredit as 'Sofortkredit mit finanziellem Spielraum' and also distributes the easyCredit+ App for managing credit.
• Bausparkasse Schwäbisch HallcoreTechnology or IntegrationSchwäbisch Hall is Germany's largest building society (Bausparkasse) with approximately 6.5 million customers and one of the country's leading real estate financiers. The bank distributes Bausparkasse Schwäbisch Hall products including building savings contracts (Bausparvertrag), children's savings plans, and related home financing solutions.
• Münchener Hypothekenbank eG (MünchenerHyp)coreTechnology or IntegrationMünchener Hypothekenbank eG is a nationally and internationally active real estate bank and close partner of the Volksbanken Raiffeisenbanken for the financing of residential and commercial real estate. The bank leverages MünchenerHyp for mortgage lending products.
• DZ BANK AGcoreTechnology or IntegrationDZ BANK is the central bank and apex institution of the Genossenschaftliche FinanzGruppe as well as a commercial bank and parent company of DZ BANK Group companies. As the central bank, it supports the business of the cooperative banks.
• DZ PRIVATBANKcoreTechnology or IntegrationDZ PRIVATBANK is the private banking competence center and a significant provider of fund services and multi-currency loans within the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken.
• DZ HYPcoreTechnology or IntegrationDZ HYP is a leading real estate bank in Germany and the competence center for public-sector customers in the Genossenschaftliche FinanzGruppe. Serving the Volksbanken and Raiffeisenbanken is a central element of DZ HYP's business activities.
• VR Smart FinanzcoreTechnology or IntegrationVR Smart Finanz is the partner within the Genossenschaftliche FinanzGruppe for simple SME solutions. Its portfolio includes tailored solutions for leasing, hire purchase, and credit, as well as digital services around the financing day-to-day operations.
• IDnow GmbHcoreTechnology or IntegrationIDnow is the bank's cooperation partner for secure identity verification via video chat. The Video-Identifikation service allows customers to open accounts and securities depots remotely using a smartphone, tablet, or PC with camera, complying with German Anti-Money Laundering Act (Geldwäschegesetz) requirements.
• EPI Company (European Payments Initiative)coreTechnology or IntegrationThe EPI Company is a consortium of European payment service providers and banks building a unified European digital payment system. Wero, integrated into the VR Banking App, is powered by EPI's infrastructure, enabling cross-border real-time payments across Europe (initially Germany, France, Belgium, Netherlands, with more countries to follow).

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Münchner Bank eG: A Bavarian member-owned cooperative bank in the same Volksbanken Raiffeisenbanken group, offering the identical Allfinanz product suite and VR digital platform to retail and business customers, competing in the neighboring Munich region.
• PSD Bank München eG: A cooperative direct/retail bank in Bavaria offering savings, credit and payment products under a member-owned model similar to the subject.
• Sparda-Bank München eG: A regional member-owned cooperative bank in Bavaria focused on retail banking, directly comparable in cooperative structure, geography and consumer deposit/credit focus.
• Berliner Volksbank eG: One of Germany's largest cooperative banks within the same Genossenschaftliche FinanzGruppe, running the same cooperative model, partner ecosystem and VR Banking App for retail and SME customers.

Broad incumbents

• ING Deutschland: A large direct bank offering retail accounts, mortgages, consumer credit and brokerage nationwide in Germany, overlapping with the subject's core products but via a broad national digital-first franchise.

Regional players

• Crédit Agricole: A French mutual/cooperative banking network built on regional member-owned banks with rural finance heritage, structurally comparable but operating in a different geography.
• Rabobank: A large Dutch cooperative bank with agricultural/Raiffeisen roots and a member-owned model closely analogous to the subject, but operating primarily outside Germany.
• Sparkasse Berchtesgadener Land: A public savings bank operating in the exact same Berchtesgadener Land/Oberbayern Südost territory, competing head-to-head for the same retail and SME customers with a comparable full-service branch-plus-digital model.

Others

• DZ BANK AG: The central/apex institution of the German cooperative financial group that supplies wholesale banking, product and infrastructure support to the subject; an enabling ecosystem participant rather than a direct competitor.

Emerging players

• N26: A German digital-only neobank competing for the subject's retail current-account and payments customers, particularly younger, mobile-first segments, though without the cooperative/branch model.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/volksbank.raiffeisenbank
• LinkedInlinkedin.com/company/volksbank-raiffeisenbank-oberbayern-suedost-eg

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Raiffeisenbank Oberbayern Südost eG