VR-Bank Rottal-Inn eG

What VR-Bank Rottal-Inn eG does

VR-Bank Rottal-Inn eG is a regional German cooperative bank (eingetragene Genossenschaft) headquartered at VR-Bank-Str. 1 in Pfarrkirchen, Bavaria, founded in 1897 and operating within the Volksbanken und Raiffeisenbanken cooperative banking group. It serves private customers (Privatkunden), small and medium-sized business customers (Firmenkunden), and high-net-worth individuals (Private Banking) in the Rottal-Inn district of Lower Bavaria through a multi-channel model combining physical branches (Geschäftsstellen) with digital channels including the VR Banking App, online banking portal, and supporting integrations such as Apple Pay, Wero, girocard, Mastercard, Visa, and the BankingManager multi-banking aggregation tool.

The bank's product portfolio is structured around transactional banking (VR-OnlineKonto Plus priced at €4.90 per month, girocard, GoldCard credit card), savings and investment (Festgeld fixed-term deposits, Wertpapierdepot securities depot, Bausparvertrag building savings contracts), and credit (easyCredit consumer lending distributed through a partnership with TeamBank). Insurance and investment distribution is provided through embedded partnerships with Allianz, R+V Versicherung, and Union Investment, with all partner-sourced contracts revocable directly through the respective partners' portals. The technology stack is described as standard German cooperative banking infrastructure supporting web and mobile channels, without public APIs or developer-facing platforms.

VR-Bank Rottal-Inn eG generates revenue through traditional banking streams — net interest income on lending, account and transaction fees, subscription fees on digital banking products, and commissions on partner-distributed insurance and investment products — with a member-based ownership structure providing cooperative dividends rather than external equity returns. The bank maintains an active community presence via social media channels and local events (including a Charity-Lauf in Postmünster on July 4, 2026), and complies with BFSG, WCAG, and EN 301 549 accessibility standards as of March 2026.

Name

VR-Bank Rottal-Inn eG

Legal name

VR-Bank Rottal-Inn eG

Website

https://vrbk.de

Company type

Private

Founded year

1897

Operating status

Operating

Headcount range

501–1,000 employees

Short description

VR-Bank Rottal-Inn eG is a regional German cooperative bank founded in 1897, headquartered in Pfarrkirchen, Bavaria, serving private, business, and high-net-worth customers in the Rottal-Inn district through physical branches and digital channels.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Savings Institutions and Other Depository Credit Intermediation (522180)

SIC

Savings Institutions, Not Federally Chartered (6036)

akta.pro primary industry

Virtual Card & Tokenization Schemes (FSAMAAAG)

Keywords

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

Headquarters

HQ city

Pfarrkirchen

HQ country

Germany

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Banking Services Revenue: VR-Bank Rottal-Inn eG generates revenue through traditional banking services including account management fees, lending interest, investment product distribution, and insurance product partnerships.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

VR-Bank Rottal-Inn eG is a regional cooperative bank providing retail and commercial banking services to private customers, business customers, and private banking clients in the Rottal-Inn district of Bavaria. Its core offerings include digital and physical current accounts (VR-OnlineKonto Plus), savings and investment products (Festgeld, Wertpapierdepot, Bausparvertrag), consumer lending (easyCredit via TeamBank), the GoldCard premium credit card, insurance products via Allianz and R+V partnerships, and investment funds via Union Investment, all delivered through a branch network and the VR Banking App / online banking portal.

Product overview

VR-Bank Rottal-Inn eG operates as a cooperative bank (Genossenschaftsbank) offering a comprehensive retail banking portfolio. The product suite centers on core transactional products (VR-OnlineKonto Plus, VR Banking App) alongside savings and investment offerings (Festgeld, Wertpapierdepot, Bausparvertrag), credit products (easyCredit via TeamBank partnership, GoldCard premium credit card), and service categories spanning private and business banking, private banking wealth management, and real estate services. The bank leverages partnerships with financial services providers including Union Investment for funds, Allianz and R+V for insurance, and accepts major payment networks (girocard, Mastercard, Visa, Apple Pay, Wero).

Differentiator

Problem solved

Functional benefit

Products and services

• VR Banking App Mobile banking application enabling banking and payment transactions in a single app, providing online account access, contract management, and transaction execution for retail customers.
• VR-OnlineKonto Plus Digital current account package offering full online banking capabilities for 4.90 EUR per month, including account management, transfers, and digital-first banking features for individual customers.
• Festgeld Fixed-term deposit product offering money investment with guaranteed interest rates and no interest volatility, providing predictable returns over a defined period for savers.
• easyCredit Instant credit product offered in partnership with TeamBank, providing immediate financial flexibility with the ability to calculate terms and conclude the loan digitally for consumer borrowers.
• GoldCard Premium credit card targeting demanding customers, offering extensive benefits including concierge services, travel insurance, and purchase protection as part of its additional services.
• Wertpapierdepot Securities depot for investment in stocks, bonds, funds, and other securities, with the ability to open the depot online and manage a diversified investment portfolio.
• Bausparvertrag Building savings contract enabling customers to save towards purchasing or building their own home, combining regular saving with access to favorable financing through Bausparkasse.
• Privatkunden banking services Comprehensive banking services for private customers including checking accounts, credit products, savings accounts, insurance services, and financial planning.
• Firmenkunden banking services Banking solutions tailored for business customers including corporate accounts, business financing, liquidity management, and treasury services.
• Private Banking Premium wealth management services including investment advisory, portfolio management, estate planning, and comprehensive financial planning for high-net-worth individuals.
• Immobilien & Wohnen Real estate services including property financing, residential loans, real estate brokerage, and advisory services for property purchase and ownership.
• Mitgliedschaft (Cooperative Membership) Cooperative membership offering participation rights including co-determination rights, profit-sharing through dividends, and a stake in the bank's cooperative structure for members.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

Partnerships

Four partnerships are on record, tiered minor and core.

• AllianzminorChannel Partner/ Reseller/ DistributorAllianz provides insurance products that are offered through VR-Bank Rottal-Inn eG. Customers can access Allianz insurance services and handle cancellations through the bank's partner portal.
• R+V VersicherungminorChannel Partner/ Reseller/ DistributorR+V Versicherung is an insurance partner offering products through VR-Bank Rottal-Inn eG. Contract cancellations for R+V products can be handled through the partner portal.
• TeamBankcoreChannel Partner/ Reseller/ DistributorTeamBank provides the easyCredit instant credit product distributed through VR-Bank Rottal-Inn eG. The bank offers this consumer lending product as a key financial service offering.
• Union InvestmentminorChannel Partner/ Reseller/ DistributorUnion Investment provides investment fund products distributed through VR-Bank Rottal-Inn eG. Customers can access investment products and handle contract matters through the bank's partner services.

Scale indicators1 record

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Deutsche Bank AG: Germany's largest universal bank with retail, wealth, and commercial banking. Competes with VR-Bank Rottal-Inn for retail and SME customers in Germany, particularly in deposits and investment products, from a much broader platform.
• Stadtsparkasse München: One of Germany's largest municipal savings banks, providing retail and commercial banking, private banking, and digital services. Comparable as a Sparkassen-format peer but at significantly greater scale and geographic reach.
• DZ Bank AG: The central institution of the Volksbanken/Raiffeisenbanken cooperative banking group, acting as the group's wholesale bank and central liquidity provider. Relevant because the subject bank is a member of this network and depends on it for funding and product infrastructure.
• UniCredit Bank (HypoVereinsbank): A major Bavarian-headquartered universal bank (part of UniCredit Group) offering retail, corporate, and private banking. Operates branches across Bavaria and competes for the same retail and SME customers served by VR-Bank Rottal-Inn.
• Commerzbank AG: A major German commercial bank offering retail, SME, and corporate banking across Germany. Comparable in product breadth but competing from a national platform rather than a regional cooperative base.

Direct peers

• Sparkasse Passau: A larger regional Sparkasse in nearby Passau offering retail, SME, and private banking. Comparable in the German two-pillar banking structure (Sparkassen vs. Volksbanken) where both compete directly for local deposits and lending.
• VR-Bank Niederbayern eG: A neighboring Volksbanken/Raiffeisenbanken cooperative serving Lower Bavaria with a similar retail banking model, cooperative ownership structure, and partnership-based product distribution. Closely comparable in scale and product mix.
• Volksbank Raiffeisenbank Passau eG: A Bavarian cooperative bank operating in the Passau region, offering the same cooperative product portfolio (Girokonto, easyCredit, Festgeld, Wertpapierdepot, insurance partnerships). Comparable in scope and model.
• Sparkasse Rottal-Inn: The local Sparkasse (public-sector savings bank) serving the same Rottal-Inn district, offering parallel retail and SME banking products. It is the most direct local competitor for deposits and loans within the bank's home geography.

Others

• Bundesverband der Deutschen Volksbanken und Raiffeisenbanken (BVR): The industry association and central representative body of the cooperative banking sector in Germany. Included as an ecosystem participant; VR-Bank Rottal-Inn is a member institution, and BVR coordinates shared infrastructure, branding, and regulatory advocacy for the network.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCDsZJLSu1_jL7fBPlJA_rww
• Facebookfacebook.com/vrbankrottalinn
• LinkedInlinkedin.com/company/vr-bank-rottal-inn-eg
• Instagraminstagram.com/vrbankrottalinneg
• TikToktiktok.com/@vrmoneytalk

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 VR-Bank Rottal-Inn eG