Volksbank Göppingen eG

Name

Volksbank Göppingen eG

Legal name

Volksbank Göppingen eG

Website

https://volksbank-goeppingen.de

Company type

Private

Founded year

1865

Operating status

Operating

Ownership category

akta.pro rank

Product category

Cooperative Retail Banking

NAICS

Commercial Banking (522110), Savings Institutions and Other Depository Credit Intermediation (52218), Depository Credit Intermediation (5221)

SIC

National Commercial Banks (6021), Savings Institutions, Not Federally Chartered (6036)

akta.pro primary industry

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)

Keywords

• Retail banking services
• Cooperative banking
• Corporate banking
• Consumer lending
• Savings and deposits

Headquarters

HQ city

Göppingen

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

Distribution channels3 records

Core offering

Volksbank Göppingen eG is a regional cooperative bank that offers current accounts (GIROaktiv), savings products (WachstumsSparen up to 2.6%, Gewinnsparen), credit cards (Visa GoldCard), and personal financing for private customers, alongside business accounts (Firmenkonto-Modelle), corporate credit cards, card payment terminals (stationary and mobile), and business financing for SMEs. The bank complements these with digital banking via OnlineBanking and the VR Banking App, Wero-based European payment functions, and real estate services including property search, sales support, and online digital property valuation.

Product overview

Volksbank Göppingen eG is a German cooperative bank (Genossenschaftsbank) offering a comprehensive suite of banking products and services for both retail (Privatkunden) and business (Firmenkunden) customers. The core offering includes GIROaktiv current accounts, Visa GoldCard credit cards, and WachstumsSparen/Gewinnsparen savings products. For business customers, the bank provides Firmenkonto models, Firmenkreditkarten, and Kartenterminals. Digital services include OnlineBanking, VR Banking App, and innovative offerings such as Digitale Immobilienbewertung (digital property valuation) and Immobilien-Suchauftrag (real estate search service). The bank operates as part of the German cooperative banking network (Volksbanken/Raiffeisenbanken).

Differentiator

Problem solved

Functional benefit

Brands

• GIROaktiv: Girokonto product for private customers with included services and low account management fees
• WachstumsSparen
• Gewinnsparen
• GoldCard

Products and services

• GIROaktiv (Girokonto) Current account (Girokonto) for private customers with all-inclusive services and the option to reduce account management fees to 0 Euro.
• Visa GoldCard Premium credit card for private customers offering attractive travel bonuses, comprehensive insurance benefits, and cost-effective international payments abroad.
• WachstumsSparen Growth savings product for private customers offering top interest rates up to 2.6% with predictable terms, allowing savings to grow over time.
• Gewinnsparen Prize-linked savings product for private customers that combines winning prizes, saving money, and charitable giving in a single product.
• Firmenkonto-Modelle Business current account models for corporate clients designed to match the needs of different business types and company sizes.
• Firmenkreditkarte Business credit card enabling corporate customers to withdraw cash worldwide and conduct cashless payments for business expenses.
• Kartenterminals Card payment terminals available in stationary or mobile versions enabling merchants to process card payments from customers.
• Immobilien-Suchauftrag Real estate search request service providing customers with exclusive new property offers via email before they are publicly listed.
• Digitale Immobilienbewertung Digital property valuation tool providing an initial estimate of the selling price of real estate, calculable online and free of charge.
• OnlineBanking Digital banking platform allowing customers to manage accounts, payments, and other financial services online.
• VR Banking App Mobile banking application enabling customers to access banking services via smartphone.
• Wero-Zahlungsverkehrsfunktionen Payment transaction functions based on the Wero payment system supporting European payments for bank customers.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Eight partnerships are on record, tiered standard.

• AllianzstandardOthersAllianz is a partner for insurance products. Customers can access insurance services and manage related contracts through the bank's partner network. Allianz is one of Germany's largest insurance companies.
• GENO BrokerstandardTechnology or IntegrationGENO Broker provides brokerage services for financial products. The partnership enables customers to access securities trading and investment services through the bank's platform.
• GENO EnergiestandardOthersGENO Energie is an energy provider partnership that allows customers to access energy products and services through the bank's platform, integrated into the cooperative banking ecosystem.
• R+V VersicherungstandardOthersR+V Versicherung is a cooperative insurance company that offers insurance products to customers of Volksbank Göppingen eG. Part of the FinanzGroup (finance group) of cooperative banks.
• TeamBankstandardOthersTeamBank offers consumer credit and financing solutions. The partnership provides installment loans and credit facilities accessible through the bank's services.
• Union InvestmentstandardOthersUnion Investment is a leading German asset management company providing investment funds and asset management services. The partnership allows customers to access investment products like MeinInvest, VermögenPlus, UnionDepot Komfort, and FirmenkundenInvest.
• VKB – Versicherungskammer BayernstandardOthersVersicherungskammer Bayern (VKB) is a public insurance company providing insurance products to customers. The partnership enables insurance product distribution through the bank's channels.
• Geiger EdelmetallestandardOthersGeiger Edelmetalle specializes in precious metals trading. Customers can purchase gold, silver, and other precious metals through this partner relationship for investment purposes.

Recent moves5 records

Expansion highlights5 records

Emerging players

• ING Deutschland: Major neobank operating in Germany offering free checking, savings, brokerage, and consumer credit via app and web. Competes directly on retail deposit and payment products traditionally dominated by Volksbank-style institutions.
• DKB (Deutsche Kreditbank): Germany's largest direct bank offering retail and SME banking products online. Targets the same retail and SME customers with a digital-first model and represents the competitive disintermediation threat to regional cooperative banks.

Direct peers

• Kreissparkasse Göppingen: Public-law savings bank operating in the same Göppingen district. Directly competes for the same retail and SME customers with overlapping deposit, lending, and payment products, making it the most head-to-head local competitor.
• Volksbank Stuttgart eG: A larger cooperative Volksbank within the same BVR network and Baden-Württemberg region, offering directly comparable retail and SME banking products under the same cooperative governance model.
• Sparda-Bank Baden-Württemberg: Cooperative bank serving a defined employee group in Baden-Württemberg with comparable retail banking products (accounts, savings, cards, loans) and similar member-based structure.
• PSD Bank Karlsruhe-Neustadt: Another German cooperative bank (PSD group) operating in Baden-Württemberg with comparable retail focus on consumer credit, savings, and checking products under a member-owned structure.
• Volksbank Mittlerer Schwarzwald eG: A smaller Volksbank cooperative in the same BVR network and Baden-Württemberg region with directly comparable retail/SME product offerings, branch-based service, and cooperative governance.

Broad incumbents

• Sparkasse (Sparkassen-Finanzgruppe): The German public-law savings bank group, a much larger network offering overlapping deposit, lending, insurance, and investment services. Competes head-to-head at the regional branch level but operates at materially greater scale.
• Bundesverband der Deutschen Volksbanken und Raiffeisenbanken (BVR): Umbrella association of the cooperative banking sector that Volksbank Göppingen belongs to. Sets shared standards, products, and infrastructure (e.g., Atruvia IT) and is the closest 'incumbent' overlay on Volksbank Göppingen's operating model.

Regional players

• LBBW (Landesbank Baden-Württemberg): State-owned Landesbank of Baden-Württemberg, headquartered in the same federal state. While primarily serving corporate and public-sector clients, it competes for SME and retail deposit relationships across the region.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/volksbank.goeppingen

Compliance2 records

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 Volksbank Göppingen eG