VR-Bank Main-Rhön

Cooperative Retail Bankingvr-bank-mr.de

Company typePrivate
Founded1863
HeadquartersSennfeld, Germany
Headcount—
GTM typeB2B and B2C
OfferingServices

VR-Bank Main-Rhön firmographics

Firmographics

Name: VR-Bank Main-Rhön
Legal name: VR-Bank Main-Rhön eG
Website: https://vr-bank-mr.de
Company type: Private
Founded year: 1863
Operating status: Operating
Ownership category
akta.pro rank

VR-Bank Main-Rhön industry classification

Industry

Product category: Cooperative Retail Banking
NAICS: Commercial Banking (52211)
SIC: National Commercial Banks (6021)
akta.pro primary industry: Payables & Disbursements (ACH/SEPA, wires, checks, virtual cards) (FSABAIAB)
akta.pro secondary industry: Digital Banking & Neobank Platforms (BPAMAFAD)

Keywords

Retail banking services
Cooperative banking
Consumer lending
Wealth management
Payment cards

Where VR-Bank Main-Rhön is headquartered

Location

Headquarters

HQ city: Sennfeld
HQ country: Germany
HQ region: Europe

Offices1 record

Markets served

VR-Bank Main-Rhön business model

Business model

GTM type: B2B and B2C
Offering type: Services
Cost components: Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

Banking Services: Traditional cooperative banking services including account management, payments, deposits, lending, and financial advisory services to retail and business customers
Credit Products: Loan and credit products including instant credit (Sofortkredit) up to 75,000 euros through partner TeamBank
Insurance Products: Insurance products and insurance checks offered through partnerships with Allianz, R+V Versicherung, and other insurance providers
Building Society Products: Home savings and building society products (Bausparen) through partnership with Bausparkasse Schwäbisch Hall
Investment Products: Investment products including MeinInvest and VermögenPlus platforms, and Union Investment products

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

VR-Bank Main-Rhön product offering

Product offering

Core offering

VR-Bank Main-Rhön eG is a German cooperative bank that provides retail and business banking services to private customers, business customers, and young customers in the Main-Rhön region. Core offerings include current accounts, payment services, savings and deposits, lending (including instant credit up to EUR 75,000 via TeamBank partnership), payment cards (girocard, Mastercard/Visa debit), insurance (via Allianz and R+V), investment products (MeinInvest, VermögenPlus, Union Investment), and home savings (Bausparkasse Schwäbisch Hall). Services are delivered through regional branches, an online banking portal, and the VR Banking App.

Product overview

VR-Bank Main-Rhön eG is a German cooperative bank providing a comprehensive suite of banking products and services to retail and business customers. The core offering consists of OnlineBanking (web-based banking portal) and the VR Banking App (mobile banking application) through which customers access accounts, transfers, and financial services. These are complemented by add-on modules including MeinInvest and VermögenPlus for digital wealth management, easyCredit (via TeamBank partnership) for instant loans up to 75,000 euros, and Bausparen (via Schwäbisch Hall partnership) for building savings. The bank also offers physical payment products including girocard (domestic debit) and Mastercard/Visa debit cards with Apple Pay support.

Differentiator

Problem solved

Functional benefit

Brands

VR Banking App: Mobile banking application for Banking & Bezahlen (Banking & Payment)
SterneBanking
MeinInvest
VermögenPlus

Products and services

VR Banking App Mobile banking application for iOS and Android that combines banking and payment functions (Banking & Bezahlen) in one app, allowing customers to manage their finances on smartphones and tablets, including biometric authentication.
OnlineBanking Web-based banking portal providing customers access to account management, transfers, service requests, and contract management through the bank's website.
easyCredit (Sofortkredit) Instant consumer loan product offered in partnership with TeamBank, providing immediate credit up to EUR 75,000 for personal financing needs.
MeinInvest Digital investment platform providing customers access to investment services and portfolio management through an online portal.
VermögenPlus Wealth management service integrated with the MeinInvest platform, providing customers with tools for asset growth and investment management.
Online-Terminvereinbarung Online appointment scheduling service allowing customers to book consultation appointments with bank advisors conveniently through the website.
Bausparen (Bausparkasse Schwäbisch Hall) Building savings product offered in partnership with Bausparkasse Schwäbisch Hall, enabling customers to save for home purchases and renovations with favorable interest rates.
girocard Debit card service providing customers with card payments and cash withdrawals through the German domestic payment network.
Mastercard/Visa Debitkarte International debit card offerings enabling customers to make payments worldwide, including support for virtual cards and mobile wallet integration (Apple Pay).
Insurance Products (Allianz, R+V Versicherung) Insurance products and insurance checks offered through partnerships with Allianz and R+V Versicherung, allowing customers to purchase insurance and process contract-related matters.
Union Investment Products Fund-based investment products offered in partnership with Union Investment, enabling customers to access investment services through the bank's channels.
SterneBanking Smartphone banking service promoted on the bank's website as a convenient digital banking option for customers.
Business Banking (Firmenkunden) Services Commercial banking services for business customers including business accounts, commercial lending, cash management, and corporate insurance products.

Companies that use VR-Bank Main-Rhön

Customer profile

Segments3 records

Ideal customer profiles3 records

VR-Bank Main-Rhön technology and API

Technology

Technology focussed No

API detail

Has API: No
API docs
API detail

Core technology

AI maturity

App detail

Feature1 record

VR-Bank Main-Rhön partnerships and signals

Strategic signal

Partnerships

Seven partnerships are on record, tiered minor and core.

AllianzminorOthersInsurance partner allowing customers to purchase insurance products and process contract-related matters including cancellations (Widerruf).
R+V VersicherungminorOthersInsurance partner offering insurance products through the bank's distribution network with contract cancellation support.
TeamBank (easyCredit)coreChannel Partner/ Reseller/ DistributorInstant credit (Sofortkredit) provider up to 75,000 euros, offered through the bank's platform. The bank acts as distribution channel for TeamBank's consumer lending products.
Union InvestmentcoreChannel Partner/ Reseller/ DistributorInvestment products partner enabling customers to access fund-based investment products and investment services through the bank's channels.
Bausparkasse Schwäbisch HallcoreChannel Partner/ Reseller/ DistributorBuilding society (Bausparen) partner for home savings products. The bank promotes building society savings as a way to save energy and money when modernizing homes.
MastercardminorGTM or Marketing PartnerJoint marketing partnership for Mastercard credit card promotions including UEFA Champions League sweepstakes to drive card usage.
DZ BANKcoreStrategic or Co-development PartnerDZ BANK is the central institution for cooperative banks in Germany. VR-Bank participates in DZ BANK web conferences for capital market insights and outlooks.

Recent moves6 records

Expansion highlights5 records

VR-Bank Main-Rhön competitors and assessment

Company assessment

Direct peers

Sparkasse Schweinfurt-Haßberge: A regional German savings bank serving retail and business customers in the Schweinfurt/Haßberge area. It is highly comparable because it competes for local deposits, lending, payments, advisory, and branch-plus-digital banking relationships in the same broader region.
Sparkasse Bad Kissingen: A local savings bank in Lower Franconia offering retail banking, business banking, lending, cards, and digital banking. It is comparable as a community-oriented regional bank serving overlapping Main-Rhön customer needs.

Regional players

VR-Bank Würzburg eG: A neighboring cooperative Volksbank/Raiffeisenbank institution with retail, SME, lending, investment, and digital banking services. It is comparable because it shares the cooperative ownership model and similar product set, albeit primarily in an adjacent geography.
Sparkasse Mainfranken Würzburg: A regional public savings bank in Mainfranken with broad retail, business, lending, savings, and digital banking offerings. It is comparable as another branch-based regional universal bank serving households and SMEs in nearby northern Bavaria.
Volksbank Raiffeisenbank Bayern Mitte eG: A Bavarian cooperative bank offering accounts, cards, lending, investments, insurance-linked products, and online banking. It is comparable through its member-owned cooperative banking model and broad retail/business customer base.
Sparda-Bank Nürnberg eG: A cooperative bank focused mainly on private customers in northern Bavaria, with digital banking, accounts, payments, lending, and mortgage-related products. It is comparable as a member-owned regional banking institution competing for household financial relationships.
PSD Bank Nürnberg eG: A regional cooperative direct bank serving private customers with accounts, loans, investments, and digital banking. It is comparable because it targets similar retail banking needs while relying more heavily on digital/direct distribution.

Broad incumbents

Frankfurter Volksbank Rhein/Main eG: A large German cooperative bank serving retail and business customers across the Frankfurt/Rhein-Main region. It is comparable as a scaled Volksbank/Raiffeisenbank-style institution with a similar cooperative model and broader product suite.
Commerzbank AG: A major German commercial bank offering retail banking, SME/corporate banking, payments, lending, wealth, and digital channels. It is comparable as a national incumbent competing for many of the same banking and advisory products, though at much larger scale.
Deutsche Bank AG: Germany's largest banking group, active in retail, private, business, corporate, and investment banking. It is comparable as a broad incumbent with overlapping customer products and digital banking capabilities, but with a much wider national and international footprint.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

VR-Bank Main-Rhön financial estimates

Financial estimate

Revenue estimate

Valuation estimate

VR-Bank Main-Rhön leadership team

Management profile

Number of profiles

Profiles1 record

VR-Bank Main-Rhön funding detail

Funding detail

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

VR-Bank Main-Rhön M&A and investment

M&A and investment

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about VR-Bank Main-Rhön

What does VR-Bank Main-Rhön do?

Is VR-Bank Main-Rhön a public or private company?

VR-Bank Main-Rhön is a private company. It is classified as management employee owned and is currently operating.

When was VR-Bank Main-Rhön founded?

VR-Bank Main-Rhön was founded in 1863.

Where is VR-Bank Main-Rhön based?

VR-Bank Main-Rhön is headquartered in Sennfeld, Germany, in the Europe region.

How does VR-Bank Main-Rhön make money?

Five revenue lines are on record. Banking Services are the primary driver. The others are credit Products, insurance Products, building Society Products and investment Products.

Who are VR-Bank Main-Rhön's main competitors?

Direct peers on record are Sparkasse Schweinfurt-Haßberge and Sparkasse Bad Kissingen. Regional players are VR-Bank Würzburg eG, Sparkasse Mainfranken Würzburg, Volksbank Raiffeisenbank Bayern Mitte eG, Sparda-Bank Nürnberg eG and PSD Bank Nürnberg eG. Broad incumbents are Frankfurter Volksbank Rhein/Main eG, Commerzbank AG and Deutsche Bank AG.

Does VR-Bank Main-Rhön have an API?

No public API is recorded for VR-Bank Main-Rhön.

What industry is VR-Bank Main-Rhön in?

VR-Bank Main-Rhön's product category is Cooperative Retail Banking. Its primary akta.pro industry code is FSABAIAB, Payables & Disbursements (ACH/SEPA, wires, checks, virtual cards), with a secondary code of BPAMAFAD, Digital Banking & Neobank Platforms. Its NAICS code is 52211 and its SIC code is 6021.