Frankfurter Volksbank

What Frankfurter Volksbank does

Frankfurter Volksbank Rhein/Main eG is a German cooperative bank (eingetragene Genossenschaft) founded in 1862 and headquartered at Börsenstraße 7-11, Frankfurt am Main. The bank serves retail customers (Privatkunden) and SMEs/corporate clients (Firmenkunden) across the Frankfurt/Rhein-Main metropolitan region through a combination of physical branches, online banking, the FVB Banking App, a WhatsApp service channel, and partner distribution. Its product suite spans current accounts (Girokonto), savings and fixed-term deposits (Tagesgeld, FVB Aktions-Festgeld), securities custody (Wertpapierdepot), consumer and mortgage lending (Sofortkredit, Dispokredit, Baufinanzierung, Bausparen, Wohn-Riester, KfW-Förderung), insurance (via Allianz, R+V Versicherung, VKB), investment products (via Union Investment), digital wealth management (MeinVermögen), and prize-linked savings (Gewinnsparen). A wholly-owned subsidiary, FVB Immobilien GmbH, supports real estate brokerage, while MünchnerHyp provides mortgage origination capacity and TeamBank provides instant consumer credit. The bank is BaFin-supervised and a member of the BVR Institutssicherung GmbH deposit protection scheme, and operates under the broader German Genossenschaftsbank cooperative network.

Revenue is generated through net interest income on lending and deposit products, transaction and account fees, and commission income from distributing third-party investment and insurance products. The bank does not disclose revenue, has no external equity investors, and is not publicly listed. It is led by Chairwoman of the Executive Board Eva Wunsch-Weber alongside seven additional Vorstand members, with Dr. Hans-Georg Florig as Chairman of the Supervisory Board. Headcount is reported in the 1,001-5,000 range. The most recent product and channel investments — MeinVermögen digital wealth management, Wero instant payments, the JuniorDepot youth offering, and the WhatsApp service channel — indicate a measured digital modernization program layered on top of a traditional, member-owned cooperative operating model.

Name

Frankfurter Volksbank

Legal name

Frankfurter Volksbank Rhein/Main eG

Website

https://frankfurter-volksbank.de

Company type

Private

Founded year

1862

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Frankfurter Volksbank Rhein/Main eG is a Frankfurt-based cooperative bank founded in 1862 that serves retail and SME customers in the Frankfurt/Rhein-Main region with deposits, lending, insurance, investment, real estate financing, and digital wealth management via branches and digital channels.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Savings Institutions and Other Depository Credit Intermediation (52218)

SIC

Savings Institution, Federally Chartered (6035)

akta.pro primary industry

Payments Operations (ACH/Wire/RTGS, SWIFT, SEPA, Checks) (FSABALAB)

Keywords

• Retail banking services
• Cooperative banking
• Mortgage lending
• Wealth management
• Consumer credit

Headquarters

HQ city

Frankfurt

HQ country

Germany

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, Others

Revenue model

1. Interest Income: Traditional banking revenue from interest spreads on loans, mortgages, and credit facilities extended to retail and business customers.
2. Commission and Fee Income: Fees from account management, payment transactions, card services, and other banking service charges.
3. Investment Product Distribution: Commission revenue from distributing third-party investment products including funds (Union Investment), insurance, and wealth management services.
4. Insurance Brokerage: Commission income from insurance product sales through partnerships with Allianz, R+V Versicherung, and VKB – Versicherungskammer Bayern.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels8 records

Core offering

Frankfurter Volksbank Rhein/Main eG is a cooperative bank offering full-service retail and business banking, including current accounts (Girokonto), savings products (Tagesgeld, Festgeld), credit facilities (Sofortkredit, Dispokredit, Baufinanzierung), securities custody (Wertpapierdepot), digital wealth management (MeinVermögen), insurance brokerage, and real estate services. Distribution occurs through a regional branch network and digital channels (online banking portal, FVB Banking App with Wero instant payments, WhatsApp service), primarily serving customers in the Frankfurt/Rhein-Main metropolitan area.

Product overview

Frankfurter Volksbank Rhein/Main eG operates as a cooperative bank offering a comprehensive suite of banking products and services through both physical branch locations and digital channels. The core banking portfolio includes traditional products such as Girokonto (current accounts), Tagesgeld (daily savings), Festgeld (fixed-term deposits including promotional FVB Aktions-Festgeld offerings), Wertpapierdepot (securities accounts), and various credit products including Sofortkredit, Dispokredit, and Baufinanzierung (real estate financing with KfW-Förderung support). The digital ecosystem comprises an OnlineBanking Portal, the FVB Banking App featuring Wero instant payments, MeinVermögen (digital wealth management assistant), and a WhatsApp customer service channel. Additional offerings include insurance products through partner integrations (Allianz, R+V, VKB), investment services via Union Investment and FVB-Immobilien for real estate, plus specialized products like JuniorDepot for youth investing, Gewinnsparen (prize-linked savings), Bausparen, and Wohn-Riester. The bank also maintains an educational platform through FVB MoneyTalk media library and provides accessibility-compliant digital services for retail customers in the Frankfurt/Rhein-Main region.

Differentiator

Problem solved

Functional benefit

Brands

• FVB Banking App: Mobile banking application enabling online banking, Wero payments, and financial management.
• JuniorDepot
• MeinVermögen
• FVB MoneyTalk
• FVB Festgeld

Products and services

• Girokonto (Current Account) Current account service for everyday banking including payment functions, transfers, and direct debit capabilities for individual retail customers.
• Tagesgeld (Daily Savings Account) Daily access savings account allowing flexible deposits and withdrawals with interest accrual for individual customers.
• FVB Aktions-Festgeld (Fixed-Term Deposit) Fixed-term deposit offering with promotional rates of 2.25% p.a. for 12 months and 2.50% p.a. for 24 months, available exclusively online for retail customers.
• Wertpapierdepot (Securities Account) Securities custody account for trading and holding stocks, bonds, funds, and other investment products for retail customers.
• Sofortkredit (Instant Personal Loan) Instant personal loan for flexible financing needs with immediate decision and disbursement, provided in partnership with TeamBank for retail customers.
• Dispokredit (Overdraft Facility) Overdraft facility attached to the current account for short-term liquidity needs of retail customers.
• Baufinanzierung (Real Estate Financing) Real estate financing solutions including mortgage loans and construction loans for property purchase or development, with KfW promotional loan support.
• MeinVermögen (Digital Wealth Management) Personalized digital investment assistant that helps customers manage their wealth through automated advisory features combining digital tools with personal advisory support.
• Wero Instant Payment Instant peer-to-peer money transfer functionality integrated within the FVB Banking App, enabling transfers in approximately 10 seconds for retail customers.
• Versicherungen (Insurance Products) Insurance products tailored to individual customer needs, distributed through bancassurance partnerships with Allianz, R+V Versicherung, and VKB (Versicherungskammer Bayern).
• JuniorDepot (Youth Investment Account) Investment account designed for children and young people to introduce them to saving and investing, subject to participation conditions (Teilnahmebedingungen).
• Bausparen (Building Society Savings) Building society savings product combining a savings component with a right to a future loan at predetermined conditions.
• Wohn-Riester (Subsidized Retirement Savings) Government-subsidized retirement savings scheme for residential property ownership with tax advantages for retail customers.
• KfW-Förderung (KfW Subsidized Loans) Access to KfW promotional loans and subsidies for energy-efficient construction and renovation projects.
• Immobilienangebote (Real Estate Listings via FVB-Immobilien) Real estate platform operated by the bank's wholly-owned subsidiary FVB-Immobilien GmbH to assist customers in finding their ideal property.
• Online Banking Portal Digital banking platform providing 24/7 access to account management, transfers, statements, and financial services for retail customers.
• WhatsApp Customer Service Customer service channel via WhatsApp for inquiries about opening hours, appointments, events, and general banking questions, available Monday to Friday 8:00-18:00.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature4 records

Partnerships

One partnership is on record.

• FVB - MeinVermögencoreTechnology or IntegrationDigital wealth management platform (MeinVermögen) operated by Frankfurter Volksbank for its customers' investment management needs.

Scale indicators1 record

Recent moves6 records

Expansion highlights7 records

Direct peers

• Volksbank Mittelhessen: A Volksbanken und Raiffeisenbanken member cooperative serving central Hesse. Operates the same Genossenschaftsbank model, BVR affiliation, and member-owned governance structure targeting retail and SME customers in a German regional market.
• ING-DiBa (ING Germany): Germany's largest direct bank with a Frankfurt headquarters. Operates a branchless retail banking model with current accounts, savings, securities, and consumer credit—competing head-to-head with FVB for German retail deposits and primary banking relationships.
• PSD Bank Hessen-Thüringen: PSD Banken are direct-bank cooperatives serving public-sector employees within the German Volksbanken/Raiffeisenbanken network. Comparable cooperative structure with direct-banking digital distribution and similar retail deposit/lending products.
• Sparda-Bank Hessen: Regional Sparda-Bank operating in the same cooperative banking network, focused on specific employee/target groups. Shares the German cooperative governance model and BVR membership while competing for retail deposits and consumer loans in Hessen.
• Sparkasse Frankfurt: The regional Sparkasse (savings bank) serving the same Frankfurt/Rhein-Main territory. Operates a public-law retail/SME banking mandate with comparable branch footprint, deposit base, and product suite—FVB's principal head-to-head competitor in the local market.
• Raiffeisenbank Deutschland: The rural counterpart to Volksbanken in the German cooperative banking system. Operates the same Genossenschaftsbank model and BVR affiliation but with a more rural and agricultural customer base across Germany.

Broad incumbents

• Rabobank: Major Dutch cooperative bank under similar member-owned governance. Comparable cooperative structure and member-aligned focus, though operating at much larger scale and with international retail/wholesale banking operations.
• Deutsche Bank: Germany's largest bank, also headquartered in Frankfurt. Operates retail banking (incl. Postbank), wealth management, and corporate/investment banking broadly—FVB competes with its retail/private banking arm in the local market.
• Commerzbank: Major Frankfurt-headquartered universal bank serving retail, SME, and corporate clients across Germany. Overlaps with FVB in retail current accounts, mortgages, and SME lending but operates a much broader commercial and capital-markets franchise.

Others

• Crédit Mutuel: Major French cooperative banking group with similar member-ownership structure and federated local-bank model. Operates in a different European geography but offers the closest structural analog to the German Volksbanken cooperative model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/frankfurtervb
• YouTubeyoutube.com/channel/UC3nqFKKQTue55xdORFSqCjg
• Facebookfacebook.com/frankfurtervolksbank
• LinkedInde.linkedin.com/company/frankfurter-volksbank-rheinmain
• Instagraminstagram.com/frankfurter_volksbank

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Subsidiaries1 record

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 Frankfurter Volksbank