Volksbank Bocholt

What Volksbank Bocholt does

Volksbank Bocholt eG is a member-owned cooperative bank (eingetragene Genossenschaft) headquartered at Meckenemstraße 10, 46395 Bocholt, Germany, founded in 1900 and operating within the Genossenschaftliche FinanzGruppe (Volksbanken Raiffeisenbanken) cooperative banking network. The bank serves retail customers, SMEs, and private banking clients in the Bocholt region of North Rhine-Westphalia through a hybrid distribution model combining physical branches, an OnlineBanking portal, the VR Banking App, and Snapview-powered video consultation. Its product portfolio spans current accounts (Girokonto, Basiskonto, Geschäftskonto), savings products (Sparbrief), Mastercard debit/credit cards, Online-Brokerage via DZ BANK, easyCredit instant loans via TeamBank, R+V insurance products, Union Investment funds, JuniorDepot children's savings, and real estate and business succession advisory services.

The bank's revenue model is built on traditional banking mechanics: net interest income from lending (mortgages, consumer loans up to 100,000 EUR via easyCredit, business loans), transaction and account fees, and commission income from distributing third-party investment, insurance, and credit products supplied through the cooperative network. Technology infrastructure is largely outsourced — core banking IT is operated by Atruvia GmbH, AI-based invoice scanning is delivered via Gini GmbH, and digital advisory is enabled by Snapview — which constrains in-house technology differentiation but leverages shared network economies of scale. The bank does not publicly disclose revenue, headcount, or consolidated financial figures, and operates without disclosed M&A, funding rounds, or external shareholders, consistent with the member-owned cooperative governance model anchored on the annual Vertreterversammlung.

Name

Volksbank Bocholt

Legal name

Volksbank Bocholt eG

Website

https://vb-bocholt.de

Company type

Private

Founded year

1900

Operating status

Operating

Short description

Volksbank Bocholt eG is a German cooperative bank founded in 1900 serving retail, SME, and private banking customers in the Bocholt region through branches, OnlineBanking, and the VR Banking App, distributing savings, lending, investment, and insurance products via the Genossenschaftliche FinanzGruppe network.

Ownership category

akta.pro rank

Product category

Cooperative Banking

NAICS

Credit Unions (522130), Savings Institutions and Other Depository Credit Intermediation (522180), Depository Credit Intermediation (5221)

SIC

Savings Institutions, Not Federally Chartered (6036), State Commercial Banks (6022)

akta.pro primary industry

Mutual Savings Banks & Mutual Thrifts (FSABAEAD)

akta.pro secondary industries

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA), Branch & In-Person Banking (Teller/ATM Networks) (FSABAAAE)

Keywords

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

Headquarters

HQ city

Bocholt

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, Others

Revenue model

1. Interest Income: Core banking revenue from lending activities including mortgages, consumer loans (Unternehmerkredit up to 100,000 EUR), and business financing.
2. Account and Payment Fees: Fees from giro account management, payment transactions, debit and credit cards (Mastercard), and international payment services.
3. Investment Products Distribution: Commission revenue from distribution of third-party investment products including Union Investment funds, insurance products (R+V Versicherung, Direktversicherung), and easyCredit loans (TeamBank).
4. Savings Products: Deposit-taking through Sparbrief (fixed-term savings bonds with guaranteed interest and no maturity risk) and other savings accounts.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Volksbank Bocholt eG is a cooperative bank offering current accounts, savings products, consumer and business loans, payment cards, online brokerage, private banking, insurance distribution, and real estate services to private and business customers. It operates physical branches in the Bocholt region alongside a digital banking platform comprising an OnlineBanking portal, a mobile app, photo-transfer payments, and video consultation.

Product overview

Volksbank Bocholt eG operates as a cooperative bank (Genossenschaftsbank) offering a comprehensive portfolio of banking products and services through both physical branches and digital channels. The core offering centers on the OnlineBanking web portal and VR Banking App mobile application, which together provide account management, payments, and securities trading. For retail customers, the product range includes Girokonto (current account), Sparbrief (savings bonds), Mastercard debit and credit cards, easyCredit instant loans (via TeamBank partnership), Online-Brokerage for securities trading, and the JuniorDepot for children's savings. Business customers access Geschäftskonto (business accounts), Unternehmerkredit (business credit up to 100,000 EUR), international payment services, company pension insurance (Direktversicherung), and succession planning advisory. The bank also provides Private Banking wealth management services, Immobilien (real estate) services, and participates in the genossenschaftliche FinanzGruppe with partners including DZ BANK, Union Investment, TeamBank, and R+V Versicherung.

Differentiator

Problem solved

Functional benefit

Products and services

• Girokonto (current account) Day-to-day retail current account for private customers, supporting payments, card transactions, standing orders, and direct debits via OnlineBanking and the VR Banking App.
• Basiskonto (basic payment account) Basic current account for customers who do not have access to a standard payment account, priced at 5,90 € per month plus per-posted-item fees, with OnlineBanking, card access, and credit transfers included.
• Sparbrief (savings bond) Term savings product offering a fixed interest rate over a defined term, targeted at private customers looking for a higher-yield, lower-risk savings option than sight deposits.
• Debit- und Kreditkarten (Mastercard) Mastercard debit and credit cards for private customers, supporting contactless payment, online purchases, and integration with Apple Pay and Google Pay.
• easyCredit (consumer loan) Consumer credit product from the easyCredit brand, offered in cooperation with the bank's partner network, designed for private customers' general-purpose borrowing needs.
• Online-Brokerage via GenoBroker Securities trading account and online brokerage solution for private customers, operated in partnership with GenoBroker, enabling trading of stocks, funds, and other securities through the bank's OnlineBanking environment.
• JuniorDepot (children's securities account) Securities account for children and young people that enables long-term wealth building, supported by the bank's promotional JuniorDepot Aktion 2026 campaign with a 30 € Amazon gift card incentive for new accounts.
• Geschäftskonto (business current account) Dedicated business current account for SMEs, tradespeople, and self-employed professionals, supporting business payments, cash management, and integration with OnlineBanking.
• Unternehmerkredit (business loan) Dedicated SME loan product for investments, working capital, and growth financing, offered to the bank's business and self-employed customers in the Bocholt region.
• Auslandszahlungsverkehr (international payments) Cross-border payment and foreign exchange service for business customers handling international supplier, customer, or subsidiary transactions.
• DirektVersicherung (company pension insurance) Company pension scheme for employers and employees, structured as a direct insurance policy to support occupational retirement provision for the bank's business customers.
• Unternehmensnachfolge (business succession advisory) Advisory service for SME owners planning business succession, supporting transfer of ownership, financing, and tax/structure planning.
• Private Banking Dedicated wealth advisory service for affluent private customers and business owners, providing personalized investment, financing, and insurance solutions through a dedicated relationship manager.
• Immobilien (real estate services) Real estate services supporting customers in buying, selling, and financing property in the bank's regional market, leveraging local market knowledge.
• OnlineBanking portal Web-based banking portal providing account overview, transfers, photo transfer (Fotoüberweisung), Empfängerüberprüfung, and access to brokerage for the bank's customers.
• VR Banking App Mobile banking application providing account access, transfers, photo transfer, mobile payment functions, and brokerage on smartphones, available to the bank's customers.

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

AI capability4 records

Feature4 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• DZ BANK AGcoreStrategic or Co-development Partner · 9 July 2026DZ BANK is the central institution of the German cooperative banking sector. Volksbank Bocholt partners with DZ BANK for financial market outlook web conferences (Webkonferenz) providing customers with insights on financial market developments. Next web conference scheduled for July 9, 2026.
• TeamBank AGcoreChannel Partner/ Reseller/ DistributorPartnership for easyCredit instant credit product distribution. TeamBank provides the credit product which Volksbank Bocholt offers to its customers as part of its consumer lending portfolio. 120 EUR starting capital promotion available for JuniorDepot.
• Union InvestmentcoreChannel Partner/ Reseller/ DistributorInvestment fund partner for securities and investment products. Volksbank Bocholt distributes Union Investment funds as part of its wealth management and investment offering for customers.
• R+V VersicherungcoreChannel Partner/ Reseller/ DistributorInsurance partner within the cooperative network. Volksbank Bocholt offers R+V insurance products including Direktversicherung (company pension schemes) for business customers.
• Gini GmbHcoreTechnology or IntegrationAI technology provider for photo-based invoice processing (Fotoüberweisung) and document scanning in the VR Banking App. Gini GmbH extracts payment data from photographed documents enabling seamless transfer entry.
• Snapview (BSI Business Systems Integration Deutschland GmbH)coreTechnology or IntegrationVideo consultation and electronic signature platform provider. Snapview enables online advisory meetings with digital document signing capabilities, enhancing remote service delivery.
• Atruvia GmbHcoreTechnology or IntegrationIT service provider and technology platform operator for the German cooperative banking sector. Atruvia provides the core banking technology infrastructure, website platform, and OnlineBanking systems.
• Volksbank Bocholt StiftungminorOthersCorporate foundation established by Volksbank Bocholt eG focused on social responsibility. Donated defibrillator to Ferienwerk and supports local community initiatives.
• Tafel Bocholt e.V.minorOthersLocal food bank charity partnership. Volksbank Bocholt eG has extended its project partnership with Tafel Bocholt e.V. for an additional three years, supporting food distribution to those in need.
• Büngern-TechnikminorOthersLocal technical training institution recipient of 3,000 EUR donation from Volksbank Bocholt eG as part of community engagement and apprenticeship support.

Scale indicators1 record

Recent moves6 records

Expansion highlights4 records

Direct peers

• Sparkasse Bocholt: Local savings bank (Sparkasse) operating in Bocholt, directly competing for the same private and SME customer base with a similar in-person plus digital distribution model. Sparkassen are the structural counterpart to Volksbanken in Germany's regional banking duopoly.
• Volksbank Rhede: Neighboring Volksbank in Rhede, just outside Bocholt. Operates the same cooperative model under the Genossenschaftliche FinanzGruppe with comparable retail/SME product sets and an overlapping catchment, making it the closest head-to-head peer.
• Volksbank Münsterland Nord: Larger cooperative bank in the same Münsterland region with shared Genossenschaftliche FinanzGruppe infrastructure. Comparable product portfolio and customer segments, but a meaningfully larger geographic footprint and balance sheet.
• Sparda-Bank West: Cooperative bank serving western Germany, including North Rhine-Westphalia. Targets similar retail and SME segments under a cooperative ethos with a comparable current account, card, and lending product set.
• PSD Bank Rhein-Ruhr: Another cooperative bank (PSD group) operating in the Rhein-Ruhr region. Targets private and SME customers with a parallel set of retail banking products under a similar member-centric cooperative model.
• Sparkasse Westmünsterland: Regional Sparkasse serving the broader Westmünsterland area including Coesfeld district. Competes directly with Volksbank Bocholt for retail and SME deposits and lending in adjacent municipalities.
• Volksbank Borken: Local cooperative bank in the Borken district adjacent to Bocholt. Offers an essentially identical cooperative banking product suite to a directly overlapping rural SME and retail customer base.

Broad incumbents

• ING-DiBa: Germany's largest direct bank with nationwide branchless operations. Competes for routine retail banking (current accounts, cards, brokerage, consumer credit) via a strong mobile and online proposition, pressuring local cooperative banks on price and digital UX.
• DKB (Deutsche Kreditbank): Major German direct bank owned by BayernLB, offering current accounts, cards, brokerage, and consumer loans with a digital-first model. Represents the direct-bank competitive threat to regional cooperative retail deposit and lending franchises.
• TARGOBank: Consumer-focused bank operating across Germany with current accounts, cards, consumer credit, and brokerage. Competes for the same retail deposits and consumer lending demand as Volksbank Bocholt, with a stronger brand and digital marketing reach.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/vobaboh
• Facebookfacebook.com/VolksbankBocholt
• LinkedInlinkedin.com/company/volksbank-bocholt-eg

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 Bocholt