Volksbank Vorarlberg E Gen

What Volksbank Vorarlberg E Gen does

Volksbank Vorarlberg e. Gen. is a regional cooperative bank (eingetragene Genossenschaft) headquartered in Rankweil, Vorarlberg, Austria, founded in 1888 and operating as part of the nationwide Volksbanken-Verbund cooperative banking network. It serves private individuals, youth and young adults (up to age 27), small and medium-sized enterprises (KMU), and high-net-worth clients through a multi-channel model combining a branch network (Filialen), the hausbanking online banking platform, and mobile applications (ID-App for authentication, Pay-App for mobile payments, Quick-App for fast banking access).

The product portfolio spans current accounts with five service tiers (Exklusiv, Komfort, Direkt, Klassik, Wir Konto), youth accounts (Aktivkonto, Lehrlingskonto, Studentenkonto) and savings cards (KidsCard, TeensCard, StudyCard), credit and debit cards, consumer and real estate loans (Wohnbaukredit, Der faire Credit), wealth management and securities custody (Depotkonten, Fondssparen, Vermögensverwaltung), leasing through the Volksbank Leasing subsidiary, and insurance products distributed in partnership with ERGO Versicherung. Real estate services are delivered through Volksbank Immobilien and the Volksbank Wohnbaucenter.

Revenue is generated through traditional banking mechanics — net interest income on loans and mortgages, account and card fees, commissions on payment processing and advisory, investment product fees and asset management, and leasing income. Distribution is hybrid (branch plus self-serve digital), pricing is segmented across account tiers with promotional youth offerings, and the bank supports PSD2 and EBICS integrations plus partner integrations with Apple Pay, Google Pay, Swatch Pay, LAKS PAY, Bluecode, SumUp, PayOne and Qwist. Member ownership is anchored through the Eigentümerclub program, in which customers acquire cooperative shares.

Name

Volksbank Vorarlberg E Gen

Legal name

Volksbank Vorarlberg e. Gen.

Website

https://volksbank-vorarlberg.at

Company type

Private

Founded year

1888

Operating status

Operating

Headcount range

251–500 employees

Short description

Volksbank Vorarlberg e. Gen. is a regional cooperative bank in Vorarlberg, Austria serving private customers, youth, SMEs, and high-net-worth clients with accounts, lending, insurance, leasing, wealth management and digital banking via branches and the hausbanking platform.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Commercial Banking (522110), Credit Unions (522130)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Cooperative Banks (Member-Owned Commercial/Retail) (FSABAEAF)

Keywords

• Retail banking services
• Cooperative banking
• Consumer lending
• Wealth management
• Commercial banking

Headquarters

HQ city

Rankweil

HQ country

Austria

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Traditional banking revenue from interest rate spreads on loans, mortgages, and credit facilities extended to retail and business customers
2. Account and Card Fees: Monthly account maintenance fees, credit card annual fees, and transaction fees for various banking services
3. Commission Income: Commissions from payment processing, insurance products, investment products (funds, securities), and financial advisory services
4. Investment Products: Revenue from sale of investment products including funds, securities, depot accounts, and asset management services
5. Leasing Services: Volksbank Leasing subsidiary provides vehicle and equipment leasing with associated fees and interest

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels7 records

Core offering

Volksbank Vorarlberg e. Gen. is a regional cooperative bank based in Rankweil, Vorarlberg, Austria, providing comprehensive retail and commercial banking services. It offers current and savings accounts, credit and debit cards, consumer and mortgage loans, leasing, business banking products (working capital, investment credit, factoring), investment and wealth management services, and insurance products distributed via ERGO partnerships. The bank operates through a hybrid branch-and-digital channel model and is part of the Austrian Volksbanken-Verbund cooperative network.

Product overview

Volksbank Vorarlberg E Gen is a regional cooperative bank (Genossenschaftsbank) providing comprehensive banking and financial services through a multi-brand architecture. The core offering centers on Girokonto (current account) products with five service tiers (Exklusiv, Komfort, Direkt, Klassik, Wir Konto) for private customers, supplemented by specialized youth banking (Aktivkonto, Lehrlingskonto, Studentenkonto for ages 8-27) with KidsCard, TeensCard, and StudyCard savings products. The investment suite comprises Depotkonten (four models from advisory to self-directed), Fondssparen, Vermögensverwaltung, and Online Kapitalsparen/Save & Cash savings products. Financing solutions include Wohnbaukredit (real estate), Der faire Credit (consumer loans), Leasing, and business credit facilities. Insurance products are offered through ERGO partnerships covering life, property, health, and accident. The digital platform includes hausbanking (online banking), ID-App, Pay-App, and Quick-App. Sub-brands include Private Banking (premium wealth management), Volksbank Immobilien (real estate services), Volksbank Wohnbaucenter (housing finance center), and Volksbank Leasing. The bank integrates with Apple Pay, Google Pay, Swatch Pay, LAKS PAY, Bluecode, Qwist (account switching), SumUp, Pay One, EBICS, and PSD2.

Differentiator

Problem solved

Functional benefit

Brands

• Volksbank Immobilien: Real estate services including property search and sales
• Volksbank Wohnbaucenter
• Volksbank Leasing
• Private Banking
• hausbanking
• Volksbank Eigentümerclub Vorarlberg

Products and services

• Girokonto (Exklusiv, Komfort, Direkt, Klassik, Wir Konto) Current account products for private customers with multiple service tiers, ranging from basic online-only accounts to full-service premium accounts with comprehensive advisory services.
• Jugendkonten (Aktivkonto, Lehrlingskonto, Studentenkonto) Banking accounts designed for young customers aged 8-27, including free account management and Debit Mastercard with customizable card designs.
• Kreditkarten Credit cards for private and student customers with cashback rewards and promotional first-year pricing, available alongside standard and business variants.
• Online Kapitalsparen One-time deposit savings product with guaranteed fixed interest rates and terms of 6, 12, 18, or 24 months, suitable for amounts from 1,000 to 500,000 euros.
• Save & Cash Instant-access savings account with variable interest rate (0.125% p.a. before KESt as of April 2026) and no fixed term, providing daily availability.
• Depotkonten (Exklusiv, Komfort, Klassik, Direkt) Securities custody accounts for trading and storing investments, offered in four models ranging from full advisory services to self-directed online trading.
• Fondssparen Systematic investment in funds allowing gradual market participation with professional fund management and risk diversification.
• Vermögensverwaltung Discretionary wealth management service including managed investment strategies and individual mandates for asset preservation and growth.
• Wohnbaukredit Real estate financing for purchasing, building, or renovating property, including security packages and subsidies guidance.
• Der faire Credit Consumer loan for personal financing needs with fair terms and flexible repayment options.
• Leasing Leasing services for vehicles and movable property, offering flexible financing alternatives to purchasing.
• Versicherungen Insurance products covering life, property, household/home, and accident and health, distributed through partnerships with ERGO Versicherung.
• Private Banking Premium wealth management services offering personalized financial planning for high-net-worth individuals, including investment advisory and estate planning.
• hausbanking (Online Banking) Internet banking platform providing account access, transaction management, and product services through web and app interfaces.
• Geschäftskonto Business current account with comprehensive services for entrepreneurs including payment processing and office banking.
• Business Gold Kreditkarte Premium credit card for business customers with enhanced benefits and spending limits.
• Betriebsmittelkredit Working capital credit facility for businesses to finance day-to-day operations.
• Investitionskredit Investment credit for business capital expenditure and long-term asset acquisition.
• Factoring Accounts receivable financing service helping businesses improve cash flow.
• Volksbank Immobilien Real estate services company for property search, sales, and related advisory services, operated as a wholly-owned subsidiary.
• Volksbank Wohnbaucenter Specialized housing finance center providing expertise in residential construction and renovation financing.
• Volksbank Eigentümerclub Membership program where customers acquire cooperative shares in Volksbank Vorarlberg and receive exclusive benefits as co-owners.

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

Feature5 records

Partnerships

Five partnerships are on record, tiered minor and core.

• QwistminorChannel Partner/ Reseller/ DistributorOnline account switching service partner. Qwist provides a free online service for customers switching from other banks to Volksbank, handling the complete process including transfer of standing orders, direct debits, and account closure.
• ApplecoreTechnology or IntegrationIntegration partner for Apple Pay mobile payment service. Customers can add their Volksbank debit and credit cards to Apple Pay for contactless payments using iPhone and Apple Watch devices.
• GooglecoreTechnology or IntegrationIntegration partner for Google Pay mobile payment service. Customers can add their Volksbank cards to Google Pay for contactless Android payments.
• ERGO VersicherungcoreChannel Partner/ Reseller/ DistributorInsurance product partnership. ERGO provides insurance products (life, property, accident, health) distributed through Volksbank to its customers, including offerings like 'ERGO fürs Leben' (life insurance) and specialized coverage products.
• Volksbanken-VerbundcoreStrategic or Co-development PartnerThe Austrian cooperative banking network (Volksbanken-Verbund) that Volksbank Vorarlberg is part of. Provides shared services, technology platforms, product frameworks, and collective brand identity across Austria.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Peers

• BAWAG Group:

Direct peers

• Hypo Vorarlberg Bank: Another regional bank headquartered in Vorarlberg, Austria, with a comparable mix of retail, SME, and private banking services in the same geographic footprint. It is the closest direct competitor within Volksbank Vorarlberg's home market.
• Raiffeisenbank Vorarlberg: Local Raiffeisen cooperative bank serving Vorarlberg under the broader Austrian Raiffeisen Bankengruppe. Operates with a similar regional cooperative-bank model and comparable retail/SME product suite, making it a direct in-region competitor.
• Volksbank Wien: Fellow Volksbanken-Verbund cooperative bank operating under the same brand, technology, and product framework but serving the Vienna market. Highly comparable in cooperative governance, product catalog, and digital platform, differing primarily by geography.

Regional players

• Bank für Tirol und Vorarlberg (BTV): Austrian regional bank serving overlapping western-Austrian markets including Vorarlberg and Tirol, with comparable retail, corporate, and private banking offerings. Operates outside the cooperative structure but targets similar customer segments.
• Oberbank AG: Upper-Austrian regional bank with a comparable focus on corporate/SME banking and retail customers in a defined geographic catchment. Listed on the Vienna Stock Exchange but competes for similar relationship-banking business in Austria.

Broad incumbents

• Erste Group Bank: Largest retail banking group in Austria, with nationwide branch coverage and a much broader product set including asset management, leasing, and capital markets. Competes with Volksbank Vorarlberg across all customer segments but at vastly greater scale.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/volksbankvorarlberg
• LinkedInlinkedin.com/company/volksbank-vorarlberg-e-gen
• Instagraminstagram.com/volksbank_vorarlberg
• TikToktiktok.com/@volksbankat

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries2 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 Volksbank Vorarlberg E Gen