VR Bank

What VR Bank does

VR Bank Bad Orb-Gelnhausen eG is a regional German cooperative bank (eingetragene Genossenschaft) headquartered in Bad Orb with a branch in Gelnhausen, operating in Hesse's Main-Kinzig-Kreis. The bank serves two primary customer segments: Privatkunden (retail customers) seeking everyday banking, savings, retirement planning, insurance, and credit, and Firmenkunden (small and medium-sized businesses) requiring payment accounts, foreign payment transactions, business credit up to €100,000, company pension schemes, and professional liability coverage. Members (Mitglieder) form a third layer with voting rights, profit participation, and preferential insurance rates, including up to 10% cashback on R+V premiums under the Mitglieder-Plus program.

The product ecosystem centers on conventional German cooperative banking instruments: the VR-Smart digital checking account at €4.25/month, a savings ladder including Tagesgeld, VR-Wachstumsgeld, VR-Kündigungsgeld (1.40% variable as of April 2025), and VR-Festgeld, plus Baufinanzierung and Unternehmerkredit credit products. Distribution relies on a hybrid model: physical branches in Bad Orb and Gelnhausen for advisory and a digital stack comprising the OnlineBanking portal, Online-Geschäftsstelle for online product origination and service requests, and the VR Banking App. Partnerships underpin non-core capabilities: R+V Versicherung for insurance (private liability, household, legal protection, building, accident, vehicle, company health insurance BKK), TeamBank for easyCredit instant consumer loans, Union Investment for fund products, Schwäbisch Hall for construction finance, and Mastercard for payment-card programs.

Revenue is generated through four streams derived from the firm's primary sources: subscription-based account fees (VR-Smart at €4.25/month), interest spreads on deposits and loans, commissions on insurance and investment products distributed via partners, and transaction fees including those on foreign payments. The bank is privately held as a cooperative, with ownership distributed across its member-customers, and is affiliated with the BVR (Bundesverband der Deutschen Volksbanken und Raiffeisenbanken) network of more than 700 cooperative banks. No public financials, funding events, or AI/ML capabilities are disclosed in the available source material.

Name

VR Bank

Legal name

VR Bank Bad Orb-Gelnhausen eG

Website

https://vbrb.de

Company type

Private

Operating status

Operating

Headcount range

101–250 employees

Short description

VR Bank Bad Orb-Gelnhausen eG is a German regional cooperative bank serving retail and SME customers in Hesse's Main-Kinzig-Kreis with checking, savings, lending, insurance, and investment products distributed through branches and digital channels.

Ownership category

akta.pro rank

Headquarters

HQ city

Gelnhausen

HQ country

Germany

HQ region

Europe

Offices2 records

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. Banking Services: Core banking services including account management, payments, and lending. Revenue derived from account fees (4,25 EUR/month for VR-Smart), interest income on loans, and transaction fees.
2. Insurance Products: Insurance products offered through R+V Versicherung partnership including private liability, household, legal protection, building insurance, and accident insurance. Bank earns commission on insurance products sold.
3. Investment Products: Investment products including VR-Wachstumssparen (growth savings), VR-Festgeld (fixed deposit), VR-KündigungsGeld (call money), and products from Union Investment. Revenue from interest spreads and product fees.
4. Credit Products: Loan products including easyCredit from TeamBank, construction financing, and entrepreneur credit up to 100,000 EUR. Bank earns interest margins and referral fees.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

VR Bank Bad Orb-Gelnhausen eG is a regional German cooperative bank providing retail and small-business banking, savings, lending, insurance distribution, and pension/retirement products. It serves private customers (Privatkunden) and business customers (Firmenkunden) through physical branches in Bad Orb and Gelnhausen combined with digital channels including OnlineBanking, the Online-Geschäftsstelle, and the VR Banking App. Insurance and certain investment and credit products are sourced through strategic partnerships with R+V Versicherung, TeamBank (easyCredit), Union Investment, and Schwäbisch Hall.

Product overview

VR Bank Bad Orb-Gelnhausen eG operates as a cooperative bank (Volksbank/Raiffeisenbank) offering a comprehensive portfolio of banking products and services for both retail (Privatkunden) and business (Firmenkunden) customers. The product ecosystem centers on core banking services including various savings products (Tagesgeld, VR-Wachstumsgeld, VR-Kündigungsgeld, VR-Festgeld), checking and business accounts (Girokonto, VR-Smart, Geschäftskonto), credit solutions (Baufinanzierung, Unternehmerkredit, easyCredit via TeamBank partnership), and insurance products (via R+V partnership including private liability, accident, vehicle, household, legal protection, and building insurance). The bank provides digital access through OnlineBanking and the Online-Geschäftsstelle portal, along with the VR Banking App for mobile access. Member customers (Mitglieder) receive additional benefits including the Mitglieder-Plus program offering cashback opportunities of up to 10% on insurance premiums. The bank also offers business-specific services including foreign payment transactions (Auslandszahlungsverkehr), company pension schemes (Betriebliche Altersvorsorge, Direktversicherung), and professional liability insurance.

Differentiator

Problem solved

Functional benefit

Brands

• VR-Wachstumssparen: Growth savings product with tiered interest rates offered in partnership with other VR banks.
• VR-KündigungsGeld
• VR-Festgeld
• R+V Mitglieder-Plus-Versicherungen

Products and services

• VR-Smart A fully digital checking account that lets customers manage their finances online with full digital access, priced at 4.25 EUR per month.
• Tagesgeld A flexible savings account without a fixed term, intended for wealth building with anytime access to funds.
• VR-Wachstumsgeld A growth savings product with tiered interest rates that increase over the savings period. Special promotional rate of 3% in the first year available for members during the 2026 World Championship campaign, with a maximum deposit limit of EUR 50,000 per person (EUR 100,000 for couples).
• VR-Kündigungsgeld A flexible savings product with a short cancellation notice period and a variable interest rate of 1.40% per year (as of April 2025), with interest credited annually to the reference account.
• VR-Festgeld A fixed-term deposit product offering guaranteed fixed interest rates for a specified investment period, providing predictable returns.
• Baufinanzierung Real estate financing services providing comprehensive support for property purchases and construction projects.
• easyCredit An instant consumer credit with financial flexibility, offered through partner TeamBank, allowing customers to calculate and complete applications online.
• Unternehmerkredit A business credit facility for entrepreneurs providing financing up to EUR 100,000 for new plans or deferred projects.
• Geschäftskonto A business account for companies to manage payments and financial transactions easily.
• Auslandszahlungsverkehr Foreign payment transaction services enabling safe and fast international payment processing for business customers.
• Private Haftpflicht-Versicherung Private liability insurance from R+V Versicherung that protects customers against costs arising from accidents or mishaps.
• R+V-Mitglieder-Plus-Versicherungen An insurance package from R+V Versicherung offering member benefits including price advantages and special performance packages. Includes options such as accident insurance, household contents insurance, legal protection insurance, and building insurance with cashback opportunities up to 10% of premiums.
• R+V-Mitglieder-KfzPolice Vehicle insurance from R+V offering various product lines and tariffs ranging from liability to fully comprehensive coverage, including supplementary add-ons such as protection packages.
• R+V-Mitglieder-Risiko-UnfallPolice Risk accident insurance from R+V allowing members to customize protection against financial consequences of accidents with various supplementary add-ons.
• R+V Betriebskrankenkasse (R+V BKK) A company health insurance fund (BKK) from R+V Versicherung providing EUR 60 refund for members not treated as inpatients in a clinic during the year, and EUR 30 for a single hospital stay.
• Betriebliche Altersvorsorge A company pension scheme allowing employees to save for retirement with tax advantages.
• Berufshaftpflicht-Versicherung Professional liability insurance providing comprehensive protection against financial consequences of errors or accidents in business operations.
• Direktversicherung Direct insurance providing company pension schemes for employees.
• Online-Geschäftsstelle A digital service platform allowing customers to complete product applications online or submit service requests, accessible via the bank's website.
• OnlineBanking A digital banking platform providing account management, transaction processing, and access to various banking services including card management, tax allowance management, and insurance viewing.
• VR Banking App A mobile banking application enabling customers to manage banking services on smartphones and tablets.

Quantifiable outcome

• R+V Mitglieder-Plus community received 24 million EUR in cashback payments in 2025

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

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

• R+V VersicherungcoreStrategic or Co-development PartnerPrimary insurance partner offering comprehensive insurance products including private liability, household, legal protection, building, accident, and health insurance. R+V offers exclusive Mitglieder-Plus (member plus) insurance packages with bundled discounts and annual cashback up to 10% of premiums. The partnership also includes R+V Betriebskrankenkasse (company health insurance fund) with no-hospital-stay refunds.
• TeamBank (easyCredit)coreChannel Partner/ Reseller/ DistributorTeamBank provides the easyCredit instant loan product distributed through VR Bank. This instant credit offers financial flexibility with digital application and approval process.
• Union InvestmentstandardChannel Partner/ Reseller/ DistributorUnion Investment provides investment fund products for VR Bank customers, enabling access to professional asset management and fund investments.
• Schwäbisch HallstandardChannel Partner/ Reseller/ DistributorPartner for housing finance products with customer portal access through VR Bank's customer portal ecosystem.
• MastercardminorGTM or Marketing PartnerJoint promotion for UEFA Champions League experience through Mastercard payment card usage.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Postbank: Major German retail bank with broad product range (checking, savings, mortgage, investment, insurance). National branch and digital footprint makes it a broader incumbent competitor for both retail and SME customers in Hesse.
• DKB (Deutsche Kreditbank): One of Germany's largest direct banks, serving retail and business customers with a digital-first model. Comparable on retail deposit/savings products and consumer credit, competing directly for the same digitally-engaged retail customers as VR Bank.
• Targobank: German retail bank offering checking, savings, consumer credit, and insurance products with both branch and digital channels. Comparable target customer (mass retail and SME) and product mix, but at substantially greater national scale.
• ING Deutschland: Large direct bank with a nationwide retail franchise, offering checking, savings, brokerage, and consumer credit. Represents the digital-first competitive threat to regional cooperative banks like VR Bank, with significantly larger scale and brand reach.
• Commerzbank: One of Germany's largest banks, with significant retail and SME banking operations. Competes with VR Bank for SME lending, business accounts, and foreign payment transactions in the regional market, while also offering a full retail product suite.

Emerging players

• N26: German-headquartered neobank offering mobile-first checking, savings, and consumer credit. Represents the most disruptive digital-native competitor for VR Bank's retail deposits and lending customers, particularly younger demographics in its catchment.

Others

• R+V Versicherung: VR Bank's primary insurance distribution partner and itself a cooperative-owned insurer within the BVR network. Comparable as an ecosystem partner rather than competitor; provides the Mitglieder-Plus insurance packages and cashback program that drive member retention for VR Bank.

Direct peers

• Sparkasse: Germany's public-law savings banks are the closest functional peers to cooperative banks: deposit-taking, retail and SME lending, regional franchise, and local advisory model. Sparkassen operate under public mandate but compete head-to-head for the same regional retail and SME customers.
• Volksbanken Raiffeisenbanken (BVR network): VR Bank Bad Orb-Gelnhausen is itself a member of this nationwide German cooperative banking network, which includes 700+ member banks sharing the cooperative ownership model, brand, and IT infrastructure (Atruvia). Direct comparability on products, member governance, and partnership economics.
• Sparda-Bank: Another German cooperative bank serving retail customers with similar product breadth (checking, savings, insurance, investment, credit) and member-focused structure. Comparable in targeting retail customers through both physical branches and digital channels.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights5 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

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 VR Bank