Audi Bank

Name

Audi Bank

Legal name

Audi Bank, Zweigniederlassung der Volkswagen Bank GmbH

Website

https://audibank.de

Company type

Private

Operating status

Operating

Headcount range

251–500 employees

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Depository Credit Intermediation (5221), Credit Card Issuing (52221), Sales Financing (52222), Commercial Banking (522110)

SIC

Personal Credit Institutions (6141), Loan Brokers (6163), National Commercial Banks (6021)

akta.pro primary industry

Automotive & Mobility Manufacturing (FSABACAE)

akta.pro secondary industries

Fleet & Commercial Vehicle Finance (FSAKADAE), Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI), Auto & Vehicle Loan Brokerage (FSAEAEAK)

Keywords

• Retail banking services
• Direct banking
• Savings products
• Consumer credit
• Automotive financing

Headquarters

HQ city

Braunschweig

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Traditional banking interest income from lending products including consumer loans and financing. The bank offers various credit and financing products.
2. Account and Card Fees: Revenue from Girokonto (current account) management fees and Visa Card fees. Online banking is offered free of charge.
3. Savings Products: Interest differential income from savings and investment products including the Plus Sparbrief, which requires minimum investment of €2,500.
4. Insurance and Prevention Products: Revenue from insurance and protection products offered through the Vorsorgen & Versichern product line.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Audi Bank is a direct bank (Direktbank) operating as a branch (Zweigniederlassung) of Volkswagen Bank GmbH. It provides retail banking products including a current account (Girokonto) with Visa Card, savings instruments such as the Plus Sparbrief (savings bond), consumer loans and financing, and insurance/prevention offerings under the Vorsorgen & Versichern line. Customers access these through a free online banking platform, supported by phone and branch channels.

Product overview

Audi Bank operates as a direct bank (Direktbank) and branch-based financial institution offering a unified portfolio of banking products and financial services. The core offerings center on an online banking platform (Online-Banking) for account management and transactions, a current account with Visa Card (Girokonto mit Visa Card) for everyday banking, and savings products including the Plus Sparbrief. Supporting these are educational resources including the Magazin, Finanzlexikon, and Themenwelten. Audi Bank is a subsidiary brand of Volkswagen Financial Services AG, with operations integrated with the broader VW Financial Services group.

Differentiator

Problem solved

Functional benefit

Products and services

• Online-Banking

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Volkswagen Bank GmbHcoreOEM/ Whitelabel/ Licensing PartnerAudi Bank operates as a Zweigniederlassung (branch) of Volkswagen Bank GmbH, utilizing the parent's banking infrastructure, systems, and regulatory framework. This is the core operational partnership enabling Audi Bank to offer banking services under the Audi brand.
• Volkswagen Financial Services AGcoreStrategic or Co-development PartnerParent company providing the broader financial services ecosystem including insurance, leasing, mobility services, and automotive financing. Audi Bank is part of the Volkswagen Financial Services group (VW Finanzdienstleistungsgruppe) and shares data and services within this group.
• VisacoreTechnology or IntegrationVisa provides the payment card infrastructure for the Audi Bank Visa Card, enabling worldwide card payments and acceptance at merchants globally.
• Euro Leasing GmbHminorStrategic or Co-development PartnerPart of the Volkswagen Finanzdienstleistungsgruppe, Euro Leasing GmbH collaborates on data usage for optimal advertising content delivery.
• Volkswagen FScoreChannel Partner/ Reseller/ DistributorVolkswagen Financial Services provides access to automotive offers and serves as a distribution channel for automotive-related financial products.

Recent moves5 records

Direct peers

• Renault Bank direkt: German online direct bank operated by RCI Banque (Renault Group), offering savings products, Girokonto, and credit cards under the Renault brand. Comparable automotive-captive direct bank model targeting mass-market vehicle buyers.
• BMW Bank GmbH: Captive automotive bank for the BMW Group in Germany, offering auto financing, leasing, savings, and current accounts under the BMW brand. Closest peer in business model — automotive-branded direct bank serving premium vehicle owners.
• Mercedes-Benz Bank AG: Captive financial services arm of Mercedes-Benz, providing financing, leasing, savings, and insurance products to Mercedes customers in Germany. Direct competitor in the premium automotive banking segment.
• Volkswagen Bank GmbH: Parent entity of Audi Bank. Operates the same retail banking products (Girokonto, savings, credit cards, loans) under the VW Bank brand. Most directly comparable because Audi Bank is structurally a branch using VW Bank's license, systems, and product set.
• Porsche Bank AG: Austrian-based automotive bank under the Porsche Holding umbrella (related to VW Group), offering retail banking and auto financing. Comparable premium-automotive captive-bank positioning, though primarily Austria-focused.
• Toyota Kreditbank GmbH: Captive financing arm of Toyota in Germany, offering auto loans, leasing, and related banking products. Comparable automotive-branded bank model serving vehicle buyers.

Broad incumbents

• DKB (Deutsche Kreditbank AG): Major German direct bank owned by BayernLB, offering retail and business banking. Comparable online-first product set (current accounts, cards, savings, loans), serving a broader customer base beyond automotive.
• comdirect bank AG: German direct bank (now part of Commerzbank) offering Girokonto, trading, savings, and loans. Comparable online-only direct bank positioning targeting self-directed retail customers.
• ING-DiBa AG: Germany's largest direct bank, offering Girokonto, savings, credit cards, and consumer loans as a fully digital institution. Comparable direct-bank operating model and product portfolio, but without automotive brand affiliation — broader market positioning.

Regional players

• Hyundai Capital Bank Europe GmbH: European captive financing arm of Hyundai, providing auto loans and retail banking products in Germany. Comparable automotive-captive bank model, though newer and smaller in German retail deposits than Audi Bank.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/audi-bank-direct

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Audi Bank