Volksbank Bühl

Name

Volksbank Bühl

Legal name

Volksbank Bühl eG

Website

https://volksbank-buehl.de

Company type

Private

Founded year

1869

Operating status

Operating

Headcount range

101–250 employees

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Commercial Banking (52211), Savings Institutions and Other Depository Credit Intermediation (52218), Credit Card Issuing (52221)

SIC

State Commercial Banks (6022), Functions Related To Depository Banking, Nec (6099)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industries

Credit Cards & Revolving Credit (FSABAAAC), Branch & In-Person Banking (Teller/ATM Networks) (FSABAAAE), Deposit Operations (Account Maintenance, Fees, Reconciliations) (FSABALAE)

Keywords

• Retail banking services
• Cooperative banking
• Business credit financing
• Payment processing solutions
• Regional SME banking

Headquarters

HQ city

Bühl

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 interest income from lending activities, including entrepreneur credits up to 100,000 euros for business customers.
2. Banking Fees and Service Charges: Fees from account services, card services, and transaction processing including card terminals for business customers.
3. Insurance and Investment Products: Revenue from partnership-based insurance products (R+V) and investment products through partners including Union Investment, TeamBank, and Bausparkasse Schwäbisch Hall.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Volksbank Bühl operates as a regional cooperative bank providing retail and commercial banking services in the Bühl area of Baden-Württemberg, Germany. Its core offering includes current accounts (Girokonto), fixed-term deposits (Festgeld), credit and debit cards, the VR Banking App for digital access, business accounts, business credits up to 100,000 euros, card payment terminals, and partner-distributed insurance and investment products. Services are delivered through a physical branch combined with online and mobile banking channels.

Product overview

Volksbank Bühl is a regional cooperative bank (Genossenschaftsbank) offering a comprehensive suite of banking products and services for both private and commercial customers. The core offering includes current accounts (Girokonto), the VR Banking App for digital access, fixed-term deposits (Festgeld), and credit cards (GoldCard). For business customers, the bank provides business accounts (Geschäftskonto), business credit facilities up to 100,000 Euro (Unternehmerkredit), business credit cards, and card payment terminals. Insurance products are offered through partnerships with R+V Versicherung, including foreign travel health insurance and private liability insurance. The bank also supports business succession planning through advisory services and offers company pension schemes (Direktversicherung). All services are accessible through the online banking portal and VR Banking App, with a focus on regional commitment ('Aus Liebe zur Region').

Differentiator

Problem solved

Functional benefit

Products and services

• Mein GiroKonto für junge Leute Current account designed for young people starting financial independence, with free additional services and 0.00 EUR monthly fees.
• VR Banking App Mobile banking application providing 24/7 account access and financial services for both private and business customers.
• Festgeld Fixed-term deposit product offering a stable interest rate for the duration of the investment period.
• GoldCard Premium credit card for demanding customers offering extensive additional benefits and services.
• Geschäftskonto Business current account that allows commercial customers to handle payment transactions simply and efficiently.
• Unternehmerkredit Business credit providing financing up to 100,000 EUR for new plans or postponed projects for entrepreneurs.
• Firmenkreditkarte Business credit cards enabling cash withdrawal worldwide and cashless payments for commercial customers.
• Kartenterminals Card payment terminals available in stationary or mobile configurations for business point-of-sale operations.
• Direktversicherung Company-provided insurance offering occupational pension schemes (betriebliche Altersvorsorge) for employees of business customers.
• Unternehmensnachfolge Advisory service providing tax, legal, and economic guidance for business succession planning.
• Auslandsreise-Krankenversicherung (R+V) Foreign travel health insurance protecting against high medical treatment costs abroad, distributed via R+V Versicherung.
• Private Haftpflicht-Versicherung (R+V) Private liability insurance from R+V protecting against costs arising from accidents or mishaps.

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Six partnerships are on record, tiered core and minor.

• R+V VersicherungcoreChannel Partner/ Reseller/ DistributorInsurance partner providing products including home insurance (Elementarschäden), moped insurance, foreign travel health insurance, and private liability insurance. The bank acts as distribution channel for R+V insurance products.
• TeamBankminorChannel Partner/ Reseller/ DistributorConsumer banking partner, customers can process contract revocations for TeamBank products through the bank's platform.
• Union InvestmentminorChannel Partner/ Reseller/ DistributorInvestment products partner, customers can process contract revocations for Union Investment products through the bank's platform.
• Bausparkasse Schwäbisch HallminorChannel Partner/ Reseller/ DistributorBuilding society partner for savings and home financing products, customers can process contract revocations through the bank's platform.
• DZ PrivatbankminorChannel Partner/ Reseller/ DistributorPrivate banking partner within the DZ Bank cooperative financial network, customers can process contract revocations for DZ Privatbank products through the bank's platform.
• GENO BrokerminorChannel Partner/ Reseller/ DistributorBroker partner within the Genossenschaftsbank (cooperative bank) network, customers can process contract revocations for GENO Broker products through the bank's platform.

Scale indicators1 record

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• ING-DiBa: A major direct bank in Germany competing for retail deposits, payments, and consumer credit with a digital-first model, representing the broader incumbent pressure on regional banks' fee and interest income.
• Sparkasse: The German Sparkassen network as a whole competes head-to-head with the Volksbanken cooperative sector for retail and SME customers, offering a broader institutional benchmark for regional public-sector savings banks.
• DZ Bank: The central institution of the Volksbanken Raiffeisenbanken cooperative financial network and a key partner of Volksbank Bühl, serving as the broader incumbent in the cooperative banking ecosystem.

Direct peers

• Volksbank Freiburg: A larger regional Volksbank cooperative bank in Baden-Württemberg with the same business model, customer segmentation, and product suite, providing a relevant scaled peer for benchmarking.
• Volksbank Rhein-Neckar: A larger regional cooperative bank in the Rhein-Neckar metro area, also part of the DZ Bank group, comparable in cooperative structure, product breadth, and hybrid branch + digital model.
• Volksbank Baden-Baden: A neighboring Volksbank cooperative bank in the Baden-Baden region of Baden-Württemberg, sharing the same cooperative governance, DZ Bank affiliation, and dual retail/business banking model.
• Sparkasse Bühl: The local savings bank (Sparkasse) operating in the same Bühl geography and targeting the same retail and SME customers, providing a direct local competitor in deposit, lending, and payment services.
• Volksbank Karlsruhe: Another regional Volksbank cooperative bank serving the Baden-Württemberg area with the same cooperative ownership model, shared DZ Bank group infrastructure, and comparable retail + SME product suite, making it the closest like-for-like peer.

Emerging players

• N26: A leading European neobank with a German customer base, competing for the same retail deposit and payment customers as Volksbank Bühl, particularly younger and digital-native segments.

Regional players

• VR Bank Südpfalz: A regional cooperative bank in the neighboring Südpfalz area of Rhineland-Palatinate, sharing the same Volksbanken Raiffeisenbanken cooperative model and SME/retail focus but operating in an adjacent rather than overlapping geography.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/volksbank_buehl
• Facebookfacebook.com/volksbankbuehl
• LinkedInlinkedin.com/company/volksbankbuehl

Revenue estimate

Valuation estimate

Number of profiles

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 Bühl