Volksbank Friedrichshafen-Tettnang

What Volksbank Friedrichshafen-Tettnang does

Volksbank Friedrichshafen-Tettnang is a German regional cooperative bank (eingetragene Genossenschaft, eG), operating under the legal name Volksbank Bodensee-Oberschwaben eG and headquartered in Tettnang, Baden-Württemberg. Founded in 1870 and employing 101-250 staff, the bank serves retail customers, small and medium-sized enterprises, and high-net-worth private banking clients across the Lake Constance and Upper Swabia region. It is a member of the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken cooperative network, which provides access to a broader product set through affiliated entities including DZ BANK, Bausparkasse Schwäbisch Hall, R+V Versicherung, DG HYP, WL BANK, and TeamBank.

The bank's product portfolio spans core retail banking (current accounts, debit/credit cards, fixed-term deposits at 2.3% p.a., and the easyCredit instant consumer loan), business banking (business accounts, object financing for vehicles and equipment, commercial real estate loans, international payment services, e-commerce payment processing, business succession advisory, and Verification of Payee fraud screening), and wealth management (private banking portfolio management with over 20 years of operating history). It also operates a real estate services franchise under the "Immohomies" sub-brand and is developing the Oberhofen residential project in Ravensburg. Technology infrastructure includes the VR Banking App for mobile banking and payments, a cloud-based Online-Banking portal, online appointment booking, and the Wero instant payment service.

Revenue is generated through interest income on lending activities (mortgages, personal loans, object financing, commercial real estate loans), transaction-based commission and fee income, asset/wealth management fees on assets under management, and real estate services. As a cooperative bank, profits are reinvested into the institution and members rather than distributed to external shareholders; financial figures are not publicly disclosed. The bank announced a merger with Volksbank Konstanz in 2025, with the 2026 representative meeting agenda referencing the merger process, signaling an upcoming consolidation that will enlarge the regional footprint and balance sheet.

Name

Volksbank Friedrichshafen-Tettnang

Legal name

Volksbank Bodensee-Oberschwaben eG

Website

https://volksbank-fntt.de

Company type

Private

Founded year

1870

Operating status

Operating

Headcount range

101–250 employees

Short description

Volksbank Friedrichshafen-Tettnang (legal name: Volksbank Bodensee-Oberschwaben eG) is a German cooperative bank founded in 1870, serving retail, SME, and private banking customers across the Lake Constance and Upper Swabia region with deposits, lending, wealth management, and digital banking.

Ownership category

akta.pro rank

Product category

Cooperative Retail Banking

NAICS

Savings Institutions and Other Depository Credit Intermediation (522180)

SIC

Savings Institutions, Not Federally Chartered (6036)

akta.pro industry

PRIMARYFSABAEAD

Mutual Savings Banks & Mutual Thrifts

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Community & Cooperative Banking (Credit Unions, Mutuals)

SECONDARYFSAMAIAG

Multi-Currency Accounts, Wallets & IBAN Services

Financial & Insurance/Payments & Transaction Processing/Cross-Border Payments & Remittances

Keywords

• Retail banking services
• Cooperative banking
• Commercial lending
• Wealth management
• Payment services

Headquarters

HQ city

Tettnang

HQ country

Germany

HQ region

Europe

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Core banking revenue from lending activities including mortgages, personal loans, object financing, and commercial real estate loans. Earns interest spreads on term deposits and fixed-term savings products.
2. Commission and Fee Income: Fees from account management, payment processing, foreign transactions, card services, and insurance product distribution.
3. Asset Management and Wealth Management: Professional portfolio management services for private banking clients with over 20 years of experience in wealth management.
4. Real Estate Services: Immobilien services including property financing, real estate sales (Immohomies), and development project investments like Oberhofen residential project.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Volksbank Friedrichshafen-Tettnang is a regional cooperative bank providing retail, commercial, and private banking services in the Lake Constance and Upper Swabia region of Germany. Its product portfolio spans current accounts, fixed-term deposits, debit and credit cards, instant consumer credit (easyCredit), mortgages, object and commercial real estate financing, business accounts, international payment processing, online merchant payment acceptance, payee verification, business succession advisory, and professional wealth management. Delivery occurs through a regional branch network combined with the VR Banking App, Online-Banking portal, and Wero instant mobile payment service.

Product overview

Volksbank Bodensee-Oberschwaben eG is a cooperative bank offering a comprehensive suite of retail and commercial banking products. The portfolio includes core deposit products (Girokonto, Festgeld with 2.3% p.a.), card services via Mastercard, instant credit (easyCredit), mobile payment solutions (VR Banking App, Wero), and business banking products (Geschäftskonto, Objektfinanzierung, commercial real estate loans). The bank also provides Private Banking wealth management services and real estate advisory through its 'Homies' team. All products are accessible through online banking and the VR Banking App, with in-person branch support available.

Differentiator

Problem solved

Functional benefit

Brands

• VR Banking App: Mobile banking application for customers to manage their finances digitally
• easyCredit
• Wero

Products and services

• Festgeld (Fixed-term Deposit) Fixed-term savings product with a guaranteed interest rate of 2.3% p.a., minimum investment of EUR 2,500, and a 25-month term, offered to retail customers seeking predictable returns without interest rate fluctuations.
• Girokonto (Current Account) Personal checking account offered in multiple models giving retail customers full control over their everyday finances, accessible via branch, Online-Banking portal, and VR Banking App.
• Debit and Kreditkarten (Mastercard Debit and Credit Cards) Mastercard-branded debit and credit card products for retail customers to handle everyday payments and cash withdrawals domestically and abroad.
• easyCredit (Instant Credit) Instant consumer loan offered in partnership with TeamBank, providing retail customers with immediate financial flexibility through online calculation and contract completion.
• VR Banking App Mobile banking and payment application for iOS and Android that combines account access, transfers, and payment functionality in a single app for retail and small business customers.
• Wero Instant Mobile Payment Mobile payment service enabling instant peer-to-peer money transfers using only a mobile phone number, with secondary functionality for online payments.
• Geschäftskonto (Business Account) Commercial checking account for businesses to manage and process payments easily, available to SME and corporate customers in the regional catchment.
• Objektfinanzierung (Object Financing) Financing solutions for commercial vehicles, machinery, or equipment investments for business customers needing capital for tangible asset acquisitions.
• Gewerblicher Immobilienkredit (Commercial Real Estate Loan) Investment financing for commercial properties, with access to government subsidies, targeted at businesses investing in their own real estate.
• Auslandszahlungsverkehr (International Payment Services) Cross-border payment processing service for businesses executing international transactions, handled securely and quickly beyond national borders.
• Online-Bezahlung (Online Payment Acceptance) Payment processing solutions for e-commerce merchants enabling them to offer familiar payment methods to their online customers.
• Unternehmensnachfolge (Business Succession Advisory) Advisory service addressing financial and asset-related questions for business owners planning the succession or transfer of their company.
• Empfängerüberprüfung / Verification of Payee (VOP) Payment verification service for business customers to verify payee account details before executing transactions, helping prevent payment fraud and misdirected transfers.
• Private Banking / Vermögensverwaltung Professional discretionary wealth and portfolio management service for private banking clients, offered locally with over 20 years of experience, including asset diversification, wealth preservation, and estate/succession planning.
• Immobilien (Real Estate Services - 'Homies') Real estate services including property financing and a specialized 'Homies' advisory team for immovable property brokerage and advisory, including real estate development projects such as the Oberhofen residential project in Ravensburg.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

One partnership is on record.

• Genossenschaftliche FinanzGruppe Volksbanken RaiffeisenbankencoreStrategic or Co-development PartnerThe bank is part of the cooperative financial group (Genossenschaftliche FinanzGruppe) which includes DZ BANK, Bausparkasse Schwäbisch Hall, R+V Versicherung, DG HYP, WL BANK, and other cooperative institutions. This partnership provides access to a comprehensive range of financial products including insurance, building society, real estate financing, and investment products.

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• DZ BANK: Central institution and apex bank of the Genossenschaftliche FinanzGruppe, of which Volksbank Friedrichshafen-Tettnang is a member. Acts as the group's wholesale bank, liquidity provider, and product factory — a structural partner and broad incumbent comparable rather than a direct retail competitor.

Direct peers

• Volksbank Stuttgart eG: Large regional cooperative bank headquartered in Stuttgart, operating under the same Genossenschaftliche FinanzGruppe umbrella. Comparable product portfolio but with greater scale, allowing meaningful size-benchmarking within the same business model.
• Volksbank Konstanz: Adjacent regional cooperative bank (Volksbank/eG) in the Lake Constance area that has been formally announced as a merger partner. Same cooperative structure, same product suite (Girokonto, mortgages, easyCredit, wealth management), and same Genossenschaftliche FinanzGruppe affiliation — a near-perfect direct comparable.
• Volksbank Allgäu-Oberschwaben eG: Regional cooperative bank serving the neighbouring Allgäu and Upper Swabia region with a very similar mix of retail, commercial, and private banking services. Same cooperative model and same cooperative financial group membership make it one of the closest operational and geographic comparables.
• Sparkasse Bodensee: Public-law savings bank directly competing in the same Friedrichshafen / Lake Constance retail and SME market. Comparable product set (current accounts, mortgages, business banking), similar branch-based distribution, but municipally owned rather than cooperatively owned.
• Sparda-Bank Baden-Württemberg: Cooperatively organized bank serving the same Baden-Württemberg state, focused on retail and public-sector customers. Same cooperative affiliation and broadly comparable retail deposit/lending business model.
• Volksbank Ulm-Biberach eG: Larger regional cooperative bank in the adjacent Ulm-Biberach area of Baden-Württemberg, operating under the same Volksbank Raiffeisenbanken cooperative model with a comparable product mix. Useful as a 'larger peer' benchmark for the post-merger entity.
• Kreissparkasse Ravensburg: Public-law savings bank serving the Ravensburg district, overlapping the bank's Upper Swabia geography and product set. Same regional competitor pool, same retail/SME focus, same digital-vs-branch balance.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/volksbankfntt
• Facebookfacebook.com/VolksbankFNTT
• LinkedInlinkedin.com/company/volksbank-friedrichshafen-tettnang

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 Friedrichshafen-Tettnang