Volksbank Viersen

Name

Volksbank Viersen

Legal name

Volksbank Viersen eG

Website

https://volksbankviersen.de

Company type

Private

Founded year

1894

Operating status

Operating

Ownership category

akta.pro rank

Headquarters

HQ city

Viersen

HQ country

Germany

HQ region

Europe

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Distribution channels4 records

Marketing channels3 records

Core offering

Volksbank Viersen eG is a regional cooperative bank that provides retail and commercial banking services to private and business customers in the Viersen area. Its core offering includes current accounts, debit and credit cards, savings and investment products, consumer and mortgage loans, retirement savings products, payment processing for businesses, and international payment services. Distribution combines physical branches with digital channels (Online-Geschäftsstelle, OnlineBanking portal, VR Banking App, and WhatsApp service).

Product overview

Volksbank Viersen eG is a German cooperative bank offering a comprehensive portfolio of banking products and services for both private and business customers. The bank's private customer offerings center on transaction banking (Girokonto), savings and investment products (Sparbrief, Fondssparplan, Geldanlage & Sparen, Wertpapierdepot), credit facilities (easyCredit via TeamBank partnership, Baufinanzierung), and retirement planning (Altersvorsorgedepot launching 2027). Business customers are served through dedicated accounts (Geschäftskonto), credit solutions (Unternehmerkredit up to 100,000 EUR), corporate card products (Firmenkreditkarte via Mastercard), and payment processing services (Bargeldlos Kassieren, Auslandszahlungsverkehr). The bank operates through a multi-channel distribution model combining physical branch presence with digital platforms including the Online-Geschäftsstelle (online business office), OnlineBanking portal, and VR Banking App mobile application. As a cooperative (eG), the bank also offers membership rights to its customers. Strategic partnerships extend the product range, including TeamBank for consumer credit (easyCredit), Union Investment for securities, R+V Versicherung for insurance, and Mastercard for card services.

Differentiator

Problem solved

Functional benefit

Products and services

• Girokonto Current account products for private customers to manage daily finances and banking transactions.
• Debit- und Kreditkarten (Mastercard) Debit and credit cards issued through a Mastercard partnership, enabling worldwide cash withdrawal and cashless payments for private customers.
• Geldanlage & Sparen Investment and savings products offering various options for private customers to grow wealth.
• easyCredit Instant consumer credit product provided by TeamBank (partner) offering financial flexibility; customers can calculate and apply for loans online.
• Fondssparplan Fund savings plan allowing customers to build wealth starting from 25 euros per month through diversified fund investments.
• Sparbrief Fixed-term savings bond where money is deposited for a set period with attractive interest rates.
• Baufinanzierung Real estate financing product for purchasing or building property, including comprehensive advisory about property financing.
• Immobilie & Wohnen Real estate and living products covering financing, promotion (via Schwäbisch Hall), and insurance of properties.
• Wertpapierdepot Securities depot for managing investments in stocks, bonds, and other securities, openable online.
• Altersvorsorgedepot State-subsidized retirement savings product launching January 2027, combining fund-based investment with government subsidies and offering a choice between products with or without guarantee.
• Mitgliedschaft (Cooperative Membership) Membership in the cooperative bank, granting members co-determination, co-governance, and profit-sharing rights.
• Online-Geschäftsstelle (Online Branch) Online branch / digital self-service platform for conducting banking transactions, opening products, and submitting service requests anytime.
• Geschäftskonto Business current account for commercial customers to handle payment transactions simply and efficiently.
• Unternehmerkredit Entrepreneur / SME credit for new plans or deferred projects, offering up to 100,000 euros per business customer.
• Firmenkreditkarte Business credit cards (Mastercard) for company employees, enabling worldwide cash withdrawal and cashless payments.
• Bargeldlos Kassieren Cashless payment acceptance solutions for businesses at favorable conditions, including card terminals and payment processing.
• Auslandszahlungsverkehr International payment services enabling safe and fast cross-border payment orders for business customers.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature4 records

Direct peers

• Sparda-Bank: Sparda-Banken are German cooperative banks serving specific occupational groups with similar retail banking products (current accounts, mortgages, savings, cards). They share the cooperative charter, member governance, and BVR network affiliation with Volksbank Viersen.
• Raiffeisenbank: Raiffeisenbanken are the sister cooperative banks within the German Volksbanken Raiffeisenbanken (BVR) network. They share the same Genossenschaftsbank structure, member-ownership model, and product suite — making them the closest direct peers to Volksbank Viersen.
• PSD Bank: PSD Banken are a network of German cooperative banks offering retail banking products including current accounts, mortgages, and investment services to specific member groups — comparable in cooperative structure and product mix to Volksbank Viersen.
• Volksbank NRW: Volksbank NRW is the regional cooperative central/network institution serving Volksbanken and Raiffeisenbanken across North Rhine-Westphalia, including Volksbank Viersen. It is directly comparable as the cooperative network parent providing shared services, IT, and product infrastructure.

Broad incumbents

• Sparkasse: Sparkassen are the broader network of German public-law savings banks providing the same full retail/SMB banking suite (Girokonto, mortgages, savings, business accounts). They compete with Volksbank Viersen across all product lines but under a public-law, not cooperative, charter.
• ING Deutschland: ING is a major direct bank in Germany with a leading retail current account, mortgages, and consumer investment products. It targets the same private customer base as Volksbank Viersen with a digital-first model and substantially larger scale.
• Deutsche Kreditbank (DKB): DKB is a large German direct/digital bank offering current accounts, mortgages, and investment products with low-cost digital distribution. It competes for the same retail and SMB customers as Volksbank Viersen but at significantly larger scale.
• TARGOBANK: TARGOBANK is a German retail bank offering current accounts, consumer credit, cards, and investments with a hybrid branch-and-digital model. It directly competes for retail customers and SMB banking relationships in markets overlapping Volksbank Viersen's territory.
• Commerzbank: Commerzbank is a large German universal bank offering retail, SME, and corporate banking across Germany. It competes with Volksbank Viersen for retail and SMB customers in NRW with a wider product range and balance-sheet scale.

Regional players

• Sparkasse Krefeld: Sparkasse Krefeld is the public-law savings bank serving the immediate Krefeld/Viersen metropolitan area. It directly competes for retail and SMB deposits and loans in the same geography, with a similar full-service banking product set.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/vobaviersen
• LinkedInlinkedin.com/company/volksbank-viersen-eg

Compliance4 records

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 Viersen