Volksbank Dreieich

What Volksbank Dreieich does

VR Bank Dreieich-Offenbach eG (doing business as Volksbank Dreieich) is a German cooperative bank (eingetragene Genossenschaft) headquartered at Offenbacher Str. 2, Dreieich, serving private and business customers in the Dreieich and Offenbach region of Hesse. Founded in 1892 according to the firmographic record and operated with 51-100 employees, the bank operates as a member-owned institution within the Genossenschaftliche FinanzGroup, with DZ BANK as its central institution. As a cooperative, customers are simultaneously members holding shares, participating in governance, and receiving preferential service and dividends. The bank reports no parent company, external investors, or institutional ownership structure.

The product portfolio centers on a Girokonto (current account) and girocard, expanded with credit cards (Mastercard GoldCard, ExclusiveCard, virtual Mastercard/Visa Debitkarte), consumer and SME lending (easyCredit Sofortkredit from TeamBank, Unternehmerkredit up to €100,000, Baufinanzierung), insurance distribution via R+V Versicherung, investment funds via Union Investment, securities trading via GENO Broker, and savings/lottery products via VR-Gewinnsparverein Hessen-Thüringen. Digital channels include OnlineBanking (distinct retail and business variants), the VR Banking App for iOS/Android, MeinInvest digital investment assistant, Multibanking, digital appointment booking (Online Terminvereinbarung), the VR Bank zu Hause remote advisory concept, and modern payment integrations (Apple Pay, Wero instant payments, mobile payments). The bank supplements physical distribution with social media presence (Facebook, YouTube, Instagram, Xing) and a blog (VR Bank.Blog).

Revenue is generated through interest income on loans and mortgages, banking fees and commissions on accounts/cards/payments/foreign exchange, and distribution commissions on insurance, investment, and credit products, supplemented by the cooperative membership model. Pricing is not publicly disclosed; a Preisaushang (price list) PDF is referenced. Go-to-market is direct-to-consumer and direct-to-SME via the branch network and digital channels, with expansion into the business customer segment supported by specialized services (Geschäftskonto, Auslandszahlungsverkehr, Direktversicherung, Unternehmensnachfolge via VR Equity Partner). The bank also operates community engagement programs (Mit Herz für die Region crowdfunding, #guteTaten social days, Sterne des Sports, VR Bank-Wald reforestation) that reinforce regional positioning. Revenue and total assets are not publicly disclosed.

Name

Volksbank Dreieich

Legal name

VR Bank Dreieich-Offenbach eG

Website

https://vrbanking.de

Company type

Private

Founded year

1892

Operating status

Operating

Headcount range

51–100 employees

Short description

VR Bank Dreieich-Offenbach eG (Volksbank Dreieich) is a German cooperative bank headquartered in Dreieich, Hesse, serving private and SME customers across the Dreieich and Offenbach region with retail banking, lending, insurance distribution, and digital payment products.

Ownership category

akta.pro rank

Headquarters

HQ city

Dreieich

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

Revenue model

1. Interest Income: Traditional banking revenue from interest on loans, mortgages, and credit facilities provided to private and business customers.
2. Banking Fees and Commissions: Fees from account management, card services, payment transactions, foreign exchange, and other banking services.
3. Insurance Products: Distribution of insurance products through partnerships with R+V Versicherung and other insurers.
4. Investment Products: Distribution of investment funds through Union Investment and other financial products.
5. Real Estate Financing: Baufinanzierung (construction financing) services for property purchase and development.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels8 records

Core offering

Volksbank Dreieich (legal name: VR Bank Dreieich-Offenbach eG) is a German cooperative bank offering retail and commercial banking products, including current accounts (Girokonto), savings accounts, debit/credit cards (e.g., Mastercard GoldCard), construction financing (Baufinanzierung), consumer loans, and member-participation services. It serves private customers (Privatkunden), business customers (Firmenkunden), and members (Mitglieder) in the Dreieich-Offenbach region through branches, OnlineBanking, and the VR Banking App.

Product overview

VR Bank Dreieich-Offenbach eG is a cooperative bank (Volksbank) offering a comprehensive portfolio of banking products and services for both retail (Privatkunden) and business (Firmenkunden) customers. The core offering centers on Girokonto (current account) with associated debit/girocard, supplemented by credit products (easyCredit Sofortkredit, Unternehmerkredit up to 100,000 euros, Baufinanzierung), card products (Mastercard GoldCard, ExclusiveCard, virtual Mastercard/Visa Debitkarte), and mobile/digital payment solutions (Mobil bezahlen, Wero, Apple Pay, VR Banking App). Digital banking is delivered through OnlineBanking for retail and business, the VR Banking App, and the MeinInvest digital investment assistant. The bank also offers business-specific services (Geschäftskonto, Auslandszahlungsverkehr, Unternehmensnachfolge via VR Equity Partner), insurance (Direktversicherung, Auslandsreise-Krankenversicherung via R+V), savings products (Gewinnsparen, SparCard), and community engagement programs (Crowdfunding, Social Days). The bank operates in partnership with DZ BANK, TeamBank (easyCredit), Union Investment, R+V Versicherung, and GENO Broker, among others.

Differentiator

Problem solved

Functional benefit

Brands

• VR Banking App: Mobile banking application for banking and payments
• VR Bank-Wald
• Mit Herz für die Region
• #guteTaten

Products and services

• Girokonto (current account) Day-to-day checking/current account for private customers, used for salary payments, transfers, and card-based transactions.
• Mastercard GoldCard Premium credit card product for private customers, providing payment, travel, and insurance benefits.
• Baufinanzierung (construction financing) Long-term mortgage and home financing product for private customers building or buying property, and for business customers financing real estate.
• OnlineBanking Online banking portal allowing customers to view accounts, make transfers, and manage banking services digitally.
• VR Banking App Mobile banking application that lets customers manage accounts, transfers, and banking services on smartphones.
• Firmenkunden banking (business customer accounts) Banking services for business customers including operating accounts, business financing, and payment services.
• Mitglieder services (member services) Cooperative membership services that provide member benefits tied to the cooperative bank's Mitglieder relationship.

Named customers2 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration12 records

Feature5 records

Partnerships

Six partnerships are on record, tiered core and minor.

• DZ BANKcoreStrategic or Co-development PartnerDZ BANK is the central institution of the German cooperative banking network (Genossenschaftliche FinanzGroup). VR Bank Dreieich-Offenbach participates in DZ BANK events including the DZ BANK Webkonferenz, providing customers with insights on financial market developments.
• R+V VersicherungcoreChannel Partner/ Reseller/ DistributorR+V Versicherung is a major insurance provider in the German cooperative banking network. VR Bank Dreieich distributes R+V insurance products to its customers and provides access to R+V's online services including contract management.
• TeamBank (easyCredit)coreChannel Partner/ Reseller/ DistributorTeamBank provides the easyCredit instant loan product distributed through VR Bank Dreieich. Customers can calculate and apply for loans through the bank's platform, with contract management handled by TeamBank.
• Union InvestmentcoreChannel Partner/ Reseller/ DistributorUnion Investment is a fund management company within the cooperative banking network. VR Bank distributes Union Investment fund products and provides access to their online services for fund management.
• GENO BrokerminorChannel Partner/ Reseller/ DistributorGENO Broker provides an online trading platform accessible through VR Bank Dreieich, allowing customers to trade securities and investments.
• VR-Gewinnsparverein Hessen-Thüringen e.V.coreStrategic or Co-development PartnerA savings and lottery association operating across Hesse and Thuringia, offering Gewinnsparen (prize-linked savings) products. VR Bank Dreieich participates in this cooperative initiative with regular prize drawings including travel vouchers.

Recent moves6 records

Expansion highlights4 records

Direct peers

• Frankfurter Volksbank: Another regional cooperative Volksbank in the same Rhine-Main area, operating with the same Genossenschaftliche FinanzGroup network, same product suite (current accounts, cards, Baufinanzierung, R+V insurance), and competing for the same SMEs and retail customers in adjacent localities.
• Volksbank Darmstadt Mainz: Regional cooperative bank in the Darmstadt-Mainz area, same cooperative organizational form, same DZ BANK / R+V / Union Investment partner ecosystem, comparable retail and SME focus. Overlaps directly with VR Bank Dreieich-Offenbach catchment in the Rhine-Main border zones.
• Sparkasse Offenbach: Public-law regional savings bank serving the same Dreieich-Offenbach geography with the same core retail and SME banking products (Girokonto, Baufinanzierung, business loans). It is the most direct head-to-head competitor in the local catchment.
• Sparda-Bank Hessen: Regional cooperative-style bank operating in Hesse with similar branch-light retail banking model, Girokonto, cards, and consumer credit offerings. Targets private customers in the same Hessian catchment.
• Volksbank Stuttgart: Mid-sized regional cooperative Volksbank in Baden-Württemberg with comparable product portfolio (Girokonto, Baufinanzierung, R+V insurance, Union Investment). Same eG governance model, same DZ BANK affiliation. Useful scale benchmark as a slightly larger regional peer.
• Berliner Volksbank: One of the larger cooperative Volksbanken in Germany serving the Berlin metro market with the same cooperative model, member-owned governance, and Genossenschaftliche FinanzGroup affiliate structure. Comparable mid-sized benchmark for product breadth and digital maturity.

Broad incumbents

• DZ BANK: Central institution and primary partner of the German cooperative banking network (Genossenschaftliche FinanzGroup). Acts as the wholesale bank, capital markets partner, and product originator for VR Bank Dreieich and the broader cooperative sector; supplies DZ BANK Webkonferenz and corporate banking infrastructure.
• ING Deutschland: Large direct bank with a strong German retail and SME presence, competing for the same primary-banking relationship with digital-first Girokonto, consumer credit, and investment products. Represents the digital-native threat that VR Bank Dreieich must compete against for customer acquisition.
• Commerzbank: Major German universal bank with retail, SME, and corporate banking products nationwide. Competes with VR Bank Dreieich for SME banking relationships (Unternehmerkredit, Auslandszahlungsverkehr, Direktversicherung) in the Rhine-Main region, but at significantly larger scale and broader product suite.

Regional players

• Taunus Sparkasse: Public savings bank operating in the Taunus region north of Frankfurt, with the same retail and SME banking model, but in an adjacent rather than directly overlapping geography. Useful as a benchmark for competing Sparkassen offerings in the broader Rhine-Main area.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xxing.com/pages/volksbankdreieicheg
• YouTubeyoutube.com/user/vobadreieich
• Facebookfacebook.com/vobadreieich
• LinkedInlinkedin.com/company/volksbank-dreieich-eg
• Instagraminstagram.com/vrdreieichoffenbach

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 Dreieich