VR Bank Niederbayern-Oberpfalz

What VR Bank Niederbayern-Oberpfalz does

VR Bank Niederbayern-Oberpfalz eG is a regional German cooperative bank (eingetragene Genossenschaft) operating under the MEINE BANK brand, headquartered in Regensburg and serving retail (Privatkunden) and corporate (Firmenkunden) customers across Bavaria through branches in Regensburg, Landshut, and Bruck i.d.Opf., complemented by nationwide direct-banking services. The product surface spans a digital current account (Mein GiroDirekt), an 18-month investment staircase product routing capital into Union Investment funds (Meine Anlagetreppe), savings vehicles (Tagesgeld, Festgeld, Sparbrief), a securities depot, construction financing (Baufinanzierung), the Goldcard premium Mastercard/Visa, and real estate brokerage (Immobilienvermittlung), all delivered through the OnlineBanking web portal and the VR Banking App.

The technology stack is conventional retail-banking infrastructure rather than proprietary: the VR Banking App supports Apple Pay, Google Pay, and Wero mobile payments alongside girocard, Mastercard, and Visa cards, and customers can open accounts, request financing offers, and trade securities digitally. Distribution is anchored by partnerships with Union Investment (investment funds), R+V Versicherung (insurance), GENO Broker (securities brokerage), and TeamBank (consumer credit via easyCredit). As a cooperative institution the bank is member-owned, governed through membership voting and profit-sharing, and protected by the BVR Sicherungseinrichtung deposit-protection scheme; institutional dependencies sit with the Bundesverband der Deutschen Volksbanken und Raiffeisenbanken (BVR) and the Fiducia & GAD IT platform (implied by the app package name on Google Play).

Revenue is generated through three streams: net interest income from lending products (mortgages, consumer loans, credit facilities) and deposit-spread economics; commission and fee income from payment services, card interchange, securities trading, and distributed investment/insurance products; and cooperative membership economics. As a private cooperative without external equity investors and no public disclosures of revenue, the bank operates a traditional relationship-pricing model where individuals and SME/corporate clients purchase a basket of services at customer-specific terms rather than standardized SaaS pricing.

Name

VR Bank Niederbayern-Oberpfalz

Legal name

VR Bank Niederbayern-Oberpfalz eG

Website

https://meine-bank-no.de

Company type

Private

Founded year

1936

Operating status

Operating

Headcount range

51–100 employees

Short description

VR Bank Niederbayern-Oberpfalz eG is a German cooperative bank (MEINE BANK) headquartered in Regensburg, serving retail and corporate customers across Bavaria through branches and nationwide via direct banking, offering current accounts, savings, construction financing, securities, cards, and insurance brokerage.

Ownership category

akta.pro rank

Headquarters

HQ city

Regensburg

HQ country

Germany

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Supply Chain, Others

Revenue model

1. Interest Income: Traditional banking interest margins from lending products including mortgages (Baufinanzierung), consumer loans, and credit facilities. Interest-bearing deposits and savings products also generate spread income.
2. Commission and Fee Income: Fees from payment services (credit/debit cards, transfers), securities trading (Depot), investment product distribution (Union Investment funds), and insurance products through R+V Versicherung partnership.
3. Membership Fees: As a cooperative bank (eG), members pay into the cooperative structure and share in profits through dividends.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

VR Bank Niederbayern-Oberpfalz eG is a German cooperative bank (eingetragene Genossenschaft) operating under the 'MEINE BANK' brand, providing retail and corporate banking services including current accounts (Mein GiroDirekt), savings and term deposits (Tagesgeld, Festgeld, Sparbrief), investment products (Meine Anlagetreppe, Wertpapierdepot), construction financing (Baufinanzierung), credit/debit cards, real estate brokerage, and cooperative membership. Services are delivered through three physical branches in Bavaria and a nationwide direct banking channel supported by OnlineBanking and the VR Banking App.

Product overview

VR Bank Niederbayern-Oberpfalz eG operates as a cooperative bank (Volksbank/Raiffeisenbank) under the 'MEINE BANK' brand, offering a unified platform of traditional banking services. The core product portfolio centers on Mein GiroDirekt (digital current account) and the VR Banking App (mobile banking), complemented by a comprehensive suite of savings and investment products including Meine Anlagetreppe (18-month investment staircase), Tagesgeld, Festgeld, Sparbrief, and Depot/Wertpapierdepot for securities trading. Lending products include Baufinanzierung (construction financing) and general credit services. Payment services encompass debit/credit cards (Goldcard, Mastercard, Visa, girocard) with mobile payment support via Apple Pay, Wero, and Google Pay. The bank also provides real estate brokerage and cooperative membership. All services are accessible through OnlineBanking, the mobile app, and physical branch locations in Regensburg, Landshut, and Bruck i.d.Opf.

Differentiator

Problem solved

Functional benefit

Products and services

• Mein GiroDirekt A fully digital current account (Girokonto) for individual customers enabling complete online account management with a free girocard for salary payments.
• Meine Anlagetreppe An 18-month investment staircase product that gradually transfers customer capital into Union Investment funds in equal monthly installments, targeting customers seeking phased entry into fund investments.
• Tagesgeld Flexible call-money savings deposit without a fixed term, allowing customers to access funds at any time while earning interest for wealth accumulation.
• Festgeld Term deposit with a fixed duration offering stable, predictable interest rates without fluctuation risk.
• Sparbrief A savings bond with a fixed term during which funds are locked in, offering customers attractive predetermined interest rates.
• Wertpapierdepot Securities account that enables customers to invest in ETFs, mutual funds, and individual stocks, with brokerage executed through GENO Broker as partner.
• Baufinanzierung Construction and mortgage financing service that allows customers to request and receive financing offers entirely online for residential property purchases or construction.
• Goldcard Premium credit card positioned as a travel companion, offering flexible foreign currency payments, foreign travel health insurance, and trip cancellation insurance.
• VR Banking App Mobile banking application providing secure account access, mobile payments via Apple Pay, Google Pay, and Wero, securities management, and personal support via chat or callback for retail customers.
• OnlineBanking Web-based internet banking portal for customers to manage accounts, contracts, and financial transactions online.
• Immobilienvermittlung Real estate brokerage service that supports customers in selling and buying residential property.
• Mitgliedschaft (Cooperative Membership) Cooperative membership that grants customers participation rights, voting rights in the cooperative, and profit sharing through dividends, under the 'Mitwissen, mitbestimmen, mitverdienen' program.

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

Feature3 records

Partnerships

Nine partnerships are on record, tiered core and minor.

• Union InvestmentcoreChannel Partner/ Reseller/ DistributorInvestment fund partner for the 'Meine Anlagetreppe' product. One-time capital investment of minimum 9,000 Euro is transferred in monthly installments over 18 months into Union Investment funds.
• ApplecoreTechnology or IntegrationApple Pay integration enables secure mobile payments through VR Banking App. Bank supports Apple Pay for convenient contactless payments.
• GooglecoreTechnology or IntegrationGoogle Pay integration enables secure mobile payments. Available through Google Play Store for VR Banking App download.
• WerocoreTechnology or IntegrationEuropean payment solution integration enabling secure mobile payments through VR Banking App.
• MastercardcoreTechnology or IntegrationDebit and credit card issuing partnership. Mastercard and Visa cards offered for all payment situations.
• VisacoreTechnology or IntegrationDebit and credit card issuing partnership. Mastercard and Visa cards offered for all payment situations.
• GENO BrokerminorChannel Partner/ Reseller/ DistributorBrokerage services partner for investment products. Customers can access securities trading through this partner.
• R+V VersicherungcoreChannel Partner/ Reseller/ DistributorInsurance products partner offering comprehensive insurance coverage. Partnership enables bank to offer insurance alongside banking products.
• TeamBankminorChannel Partner/ Reseller/ DistributorLending partner for consumer loans. Provides installment loan products accessible through the bank.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• ING-DiBa AG: One of Germany's largest direct banks with a strong retail franchise, offering Girokonto, Tagesgeld, Wertpapierdepot, and Baufinanzierung — directly overlapping with VR Bank's product portfolio in the nationwide direct banking segment.
• Volksbank Raiffeisenbank Bayern Mitte eG: Another regional cooperative bank operating under the same Volksbank/Raiffeisenbank brand in Bavaria, offering an almost identical product portfolio (Girokonto, Baufinanzierung, Wertpapierdepot) and competing for the same retail and SME customers in overlapping Bavarian geographies.
• Sparda-Bank München eG: A larger cooperative bank serving Bavaria with a comparable member-owned model and full-service product suite. Competes directly for retail customers across Bavaria and offers a similar hybrid digital-branch experience through the Sparda-Bank app.
• Kreissparkasse Kelheim: A regional Sparkasse in the Niederbayern catchment area competing directly for retail and SME customers in geographies that overlap with VR Bank Niederbayern-Oberpfalz's footprint.
• Deutsche Kreditbank AG (DKB): A German direct bank with a strong online and mobile banking proposition, serving retail and corporate customers nationwide. Competes directly with VR Bank's nationwide direct banking offering and targets the same digitally-engaged customer segments.
• Sparkasse Regensburg: The local savings bank (Sparkasse) headquartered in the same city as VR Bank Niederbayern-Oberpfalz. Directly competes for retail deposits, mortgages, and corporate banking relationships in the Regensburg catchment area under the public-sector Sparkassen model.

Broad incumbents

• DZ Bank AG: The central institution and primary apex bank of the German cooperative banking group (FinanzGruppe), of which VR Bank is a member. Operates broadly in wholesale banking, capital markets, and institutional services that support the entire Volksbanken/Raiffeisenbanken network.
• HypoVereinsbank (UniCredit Bank GmbH): A major German universal bank with deep Bavarian roots (Munich-headquartered), offering retail, corporate, and wealth management services. Competes with VR Bank for retail and SME customers in Bavaria and across Germany, particularly in mortgages and corporate banking.
• Commerzbank AG: A major German commercial bank serving retail, SME, and corporate customers nationwide. Competes with VR Bank across multiple product lines — particularly in Baufinanzierung, corporate banking, and investment products — though with a much larger branch and digital footprint.

Emerging players

• N26 GmbH: A Berlin-based neobank offering mobile-first current accounts, savings, and investment products across Germany. Represents the digital-first challenger segment that is encroaching on traditional cooperative banks' retail customer base, particularly among younger demographics.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

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 VR Bank Niederbayern-Oberpfalz