Raiffeisenbank Gilching eG

What Raiffeisenbank Gilching eG does

Raiffeisenbank Gilching eG is a regional cooperative bank (eingetragene Genossenschaft) headquartered at Römerstraße 30, Gilching, Bavaria, Germany. Founded in 1893 and serving the local community for over 130 years, the bank operates two physical branches with approximately 45 employees to provide retail and commercial banking services to private customers, local businesses, and cooperative members in the Gilching area.

The bank's core product platform is the standard German cooperative banking stack delivered through the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken network. It comprises an OnlineBanking web portal and the VR Banking App for mobile access, secured by VR SecureGo plus two-factor authentication and PSD2-compliant XS2A APIs that expose account and payment-initiation services to authorized third-party providers. Customer-facing products span giro and Basiskonto current accounts, the GoldCard credit card, VR pay Kompakt cashless-payment packages for retailers, consumer and mortgage lending, insurance, real-estate services, and Union Investment / Bausparkasse Schwäbisch Hall / TeamBank easyCredit partner offerings. Digital enhancements include Gini GmbH-powered photo-transfer (Fotoüberweisung) and invoice-upload features using AI computer vision, and TeamViewer-based encrypted remote support for OnlineBanking troubleshooting.

The business model rests on the standard cooperative banking revenue mechanics — net interest income on lending and deposit-gathering, fee and commission income on payment processing, cards, insurance brokerage, investment funds, and building society products, plus membership economics in which cooperative members hold shares and exercise voting rights at the General Assembly. The bank is regulated by BaFin and protected by BVR Institutssicherung GmbH's institutional deposit-protection scheme, and operates exclusively within Germany with no international footprint.

Name

Raiffeisenbank Gilching eG

Legal name

Raiffeisenbank Gilching eG

Website

https://www.raiba-gilching.de/

Company type

Private

Founded year

1893

Operating status

Operating

Headcount range

11–50 employees

Short description

Raiffeisenbank Gilching is a fully-fledged bank that offers banking, finance, and financial services for consumers and corporates.

Ownership category

akta.pro rank

Product category

Cooperative Retail Banking

NAICS

Commercial Banking (522110), Commercial Banking (52211), Depository Credit Intermediation (5221)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Agricultural & Rural Cooperatives (Farm Credit/Co-op Banks) (FSABAEAG)

Keywords

• Cooperative retail banking
• Consumer lending services
• Business banking services
• Mortgage financing
• Savings and investments

Headquarters

HQ city

Gilching

HQ country

Germany

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Banking Services: Traditional cooperative banking services including giro accounts, lending, savings, investments, insurance, and real estate services for private and business customers
2. Membership: Members of the cooperative bank have ownership rights and receive services; membership fees and member participation

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Raiffeisenbank Gilching eG is a regional cooperative bank (eingetragene Genossenschaft) founded in 1893 that provides retail and commercial banking services to private customers, business clients, and cooperative members in the Gilching region of Bavaria, Germany. Its offerings include giro accounts, credit/debit cards, consumer and mortgage lending, savings and investment products, insurance, payment processing solutions for merchants, and OnlineBanking and mobile banking via the VR Banking App.

Product overview

Raiffeisenbank Gilching eG is a regional cooperative bank offering a comprehensive banking platform with multiple service channels (branches, online, mobile). The core offering consists of OnlineBanking and VR Banking App digital platforms, supplemented by a full range of traditional banking products including accounts (Girokonto, Basiskonto), cards (GoldCard, girocard), credit services, real estate financing, insurance, and investment products. The bank participates in the Genossenschaftliche FinanzGruppe (cooperative financial network), providing shared infrastructure including VR SecureGo plus for secure authentication, interbank payment systems, and shared card services. Key digital features include photo transfer and invoice upload powered by Gini GmbH AI technology, multi-banking capabilities, and PSD2-compliant third-party service access.

Differentiator

Problem solved

Functional benefit

Products and services

• Immobilie & Wohnen (Real Estate & Living) Real estate services including property financing and residential loans provided through partner Bausparkasse Schwäbisch Hall.
• Basiskonto (Basic Account) Basic banking account offering transfers, cash transactions, and OnlineBanking features for customers seeking essential banking services.
• OnlineBanking Web-based banking platform enabling customers to manage accounts, execute payments, view transactions, use photo transfer and invoice upload features, multi-banking, and secure authentication.
• VR Banking App Mobile banking application for iOS and Android that provides banking services on smartphones and tablets, including account management, payments, and photo transfer for invoices for both private and business customers.
• GoldCard Credit card product offering a comprehensive insurance package and travel bonus for vacation budget, provided at fair conditions, aimed at private customers.
• VR pay Kompakt Cashless payment solution for retail businesses, offered as a complete package at a fixed price including card terminal for full cost control.
• BankingManager Software tool for business customers to optimize payment traffic management.
• Girokonto (Current Account) Basic checking account for everyday banking transactions including transfers, cash deposits/withdrawals, and OnlineBanking access.
• Kredit & Finanzieren (Credit & Financing) Loan and financing products including consumer loans and mortgage financing for private and business customers.
• Versicherung & Schützen (Insurance & Protection) Insurance products for protection and risk coverage offered through the Genossenschaftliche FinanzGruppe network.
• Geldanlage & Sparen (Investment & Savings) Savings and investment products including securities, funds, and retirement planning provided through partner Union Investment.
• Zukunft & Vorsorgen (Future & Provision) Pension and retirement planning products and advisory services for private customers.
• VR SecureGo plus Mobile TAN (Transaction Number) authentication app for secure banking transactions, replacing physical TAN generators.

Named customers2 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability2 records

Feature2 records

Partnerships

Six partnerships are on record, tiered core.

• Genossenschaftliche FinanzGruppe Volksbanken RaiffeisenbankencoreStrategic or Co-development PartnerPart of the larger German cooperative banking network providing shared services, technology, and institutional protection through BVR Institutssicherung GmbH
• BVR Institutssicherung GmbHcoreOthersOfficial institutional protection scheme for the cooperative banking sector ensuring deposit safety
• Bundesverband der Deutschen Volksbanken und Raiffeisenbanken e.V. (BVR)coreStrategic or Co-development PartnerIndustry association providing voluntary security fund, standards, and representation for cooperative banks
• AtruviacoreTechnology or IntegrationTechnology service provider for the cooperative banking sector, hosting the bank's website and banking platform infrastructure
• DZ BANK AGcoreTechnology or IntegrationCentral institution of the cooperative banking sector providing services including FördermittelFinder, VR International, and other financial tools
• Genossenschaftsverband Bayern e.V.coreOthersResponsible audit association under § 54 GenG for the cooperative bank

Scale indicators5 records

Recent moves6 records

Expansion highlights3 records

Direct peers

• Volksbank Raiffeisenbank Dachau eG: A neighbouring Bavarian cooperative bank (Volksbank/Raiffeisenbank) of similar scale serving the adjacent Dachau region with the same member-owned Genossenschaft structure, branch-led retail/commercial banking model, and shared Genossenschaftliche FinanzGruppe infrastructure.
• Kreissparkasse München Starnberg Ebersberg: Regional savings bank (Sparkasse) serving the same greater Munich/Bavaria catchment area as Raiffeisenbank Gilching — directly competing for retail deposits, mortgage lending, and SME banking relationships in adjacent municipalities.
• Sparda-Bank München: Sparda-Bank is a German cooperative-style retail bank serving similar private and business customer segments in Bavaria; competes on the same member/customer value proposition with comparable retail banking products.

Broad incumbents

• Volksbanken Raiffeisenbanken (Genossenschaftliche FinanzGruppe): The umbrella cooperative banking network that Raiffeisenbank Gilching is part of; encompasses all Volksbanken and Raiffeisenbanken in Germany with shared DZ BANK, Atruvia, and BVR infrastructure — broader incumbent in the same operating category.
• Sparkasse: The Sparkassen-Finanzgruppe is Germany's largest group of regional public-law savings banks; provides the same retail and SME banking services nationwide and represents the closest broader incumbent competitor to small cooperative banks like Raiffeisenbank Gilching.
• Postbank: Major German retail bank offering giro accounts, cards, lending, and brokerage to private and business customers — a broader national incumbent that competes for the same customer base as Raiffeisenbank Gilching with wider geographic reach.

Emerging players

• DKB (Deutsche Kreditbank): A digital-first German retail bank offering current accounts, cards, and lending via online/app channels — competing with small cooperative banks for digitally savvy retail customers, particularly younger demographics.
• ING Germany: Major digital retail bank in Germany offering free current accounts, consumer credit, and investment products via app-first channels — represents an emerging challenger that pressures traditional cooperative banks' customer acquisition.
• Targobank: German retail bank focused on consumer credit, cards, and current accounts with a branch and digital hybrid model — competes in similar lending and retail banking segments as Raiffeisenbank Gilching.
• N26: Berlin-based mobile-first neobank offering retail current accounts and cards across Germany; an emerging digital-native competitor that draws younger customers away from traditional community banks like Raiffeisenbank Gilching.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/raiffeisenbank-gilching

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

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 Raiffeisenbank Gilching eG