Volksbank Lahr

What Volksbank Lahr does

Volksbank Lahr eG is a German registered cooperative bank (eingetragene Genossenschaft) headquartered at Schillerstraße 22, 77933 Lahr, serving retail customers, business customers (Firmenkunden), and private banking clients in the Lahr/Schwarzwald region of Baden-Württemberg. Founded in 1865 and supervised by BaFin, the bank is a member of the Volksbanken Raiffeisenbanken cooperative financial network and benefits from the institutional deposit protection of BVR Institutssicherung GmbH as well as audit oversight by Baden-Württembergischer Genossenschaftsverband. Leadership comprises CEO Frank Peter Rottenecker (Vorstandsvorsitzender), board member Reiner Richter, and Supervisory Board Chair Bernd Neugart.

The product portfolio spans current accounts (Girokonto, Basiskonto), savings products (VR-Tagesgeld, VR-Sparbrief Renditekick), investment products (Fondssparplan via Union Investment, Wertpapierdienstleistungen), lending (easyCredit via TeamBank, real estate financing), card products (Mastercard/Visa debit and credit, including virtual cards for Apple Pay), insurance distribution (R+V Versicherung for travel health, liability, and motor vehicle cover), real estate brokerage, and Private Banking (via DZ PRIVATBANK). Building savings products (Bausparvertrag) are offered in partnership with Bausparkasse Schwäbisch Hall AG. The technology stack is built on cooperative-banking shared infrastructure, with customer-facing digital channels consisting of OnlineBanking, the VR Banking App (featuring AI-powered Fotoüberweisung via Gini GmbH), Snapview-powered video consultation with electronic signature, online appointment booking, and an Azure-hosted chatbot. Operational technology includes Dynatrace for application performance monitoring, OneTrust for consent management, and Adobe Launch for tag management.

Volksbank Lahr's business model is the standard German cooperative bank model: net interest income from lending (real estate financing, consumer credit, business loans), transaction and payment fees (girocard, Mastercard/Visa), account maintenance fees on subscription-style current account models, and commission-based affiliate revenue from partner-distributed investment funds (Union Investment), insurance (R+V), consumer credit (TeamBank), building savings (Schwäbisch Hall), and private banking services (DZ PRIVATBANK). GTM is hybrid: a physical branch in Lahr for advisory-led sales supported by self-service digital channels and remote advisory. Customer segments are horizontally distributed across retail, SMB, and private banking, with no disclosed enterprise anchors. As a member-owned cooperative, the bank is funded by member share capital rather than external equity and is not publicly listed.

Name

Volksbank Lahr

Legal name

Volksbank Lahr eG

Website

https://volksbank-lahr.de

Company type

Private

Founded year

1865

Operating status

Operating

Headcount range

11–50 employees

Short description

Volksbank Lahr eG is a member-owned German cooperative bank (founded 1865, headquartered in Lahr/Schwarzwald) serving retail, business, and private banking customers across the Lahr region with current accounts, lending, savings, investment, insurance, and card products distributed through a hybrid branch-and-digital channel model.

Ownership category

akta.pro rank

Headquarters

HQ city

Lahr

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Banking and Payment Services: Traditional banking services including current account management, payment processing, and transaction fees from girocard and credit card services
2. Lending and Credit Products: Interest income from lending products including real estate financing, consumer loans, and credit facilities
3. Investment and Securities Services: Management fees and commissions from investment fund products, savings plans, and securities brokerage through Union Investment partnership
4. Insurance Products: Commission revenue from insurance products offered through R+V Versicherung partnership
5. Real Estate and Immobilien Services: Real estate financing and mortgage lending services

Pricing tiers

Distribution channels6 records

Marketing channels5 records

Core offering

Volksbank Lahr eG is a cooperative bank offering retail, business, and private banking services in the Lahr/Schwarzwald region of Germany. Its core offerings include current accounts (Girokonto, Basiskonto), savings and investment products (VR-Tagesgeld, VR-Sparbrief Renditekick, Fondssparplan, Bausparvertrag), consumer loans (easyCredit), card products (Mastercard/Visa debit and credit cards), insurance products (via R+V Versicherung), securities services, real estate brokerage, and payment services including EU real-time transfers.

Product overview

Volksbank Lahr eG is a German cooperative bank (Volksbank) offering a comprehensive suite of banking products and services for private customers, business customers, and private banking clients. The core product portfolio includes Girokonto (current account), OnlineBanking, and the VR Banking App as the primary digital banking channels. Savings products include VR-Tagesgeld (daily savings), VR-Sparbrief Renditekick (combination savings), Fondssparplan (fund savings with Union Investment), and Bausparvertrag (building savings with Schwäbisch Hall). Lending products include easyCredit instant loans (via TeamBank) and various credit facilities. The bank also distributes card products (Mastercard/Visa debit and credit cards including virtual cards for Apple Pay), insurance products (travel health insurance, liability insurance, car insurance via R+V Versicherung), and real estate brokerage services. Services are offered across multiple channels: physical branches, OnlineBanking, VR Banking App, video consultation (via Snapview), and chat. The bank is part of the Volksbanken Raiffeisenbanken cooperative financial network.

Differentiator

Problem solved

Functional benefit

Products and services

• Girokonto (Current Account) Current account product offering various giro account models for private customers to manage their finances, enabling transfers (Überweisungen), deposits, withdrawals, and OnlineBanking access.
• Basiskonto (Basic Bank Account) Basic bank account allowing transfers, cash deposits and withdrawals, and OnlineBanking access for customers who need a standard account.
• VR-Sparbrief Renditekick A combination savings product offering a 3.25% p.a. interest rate for 12 months, split 50% in a VR-Sparbrief and 50% in selected Union Investment funds with a 1.55% p.a. management fee.
• VR-Tagesgeld Flexible daily savings account without a fixed term for building wealth, allowing deposits and withdrawals at any time.
• Fondssparplan (Fund Savings Plan) Fund savings plan allowing customers to start small and profit long-term through regular fund investments, in partnership with Union Investment.
• Bausparvertrag (Building Savings Contract) Building savings contract enabling customers to realize their dream of homeownership with solid financing, in partnership with Bausparkasse Schwäbisch Hall AG.
• OnlineBanking Digital banking platform enabling customers to manage their finances online, including account management, transfers, and various banking services.
• VR Banking App Mobile banking application for smartphones, allowing customers to manage their finances privately or for business purposes from anywhere, featuring Fotoüberweisung (photo transfer) capability.
• easyCredit Instant loan product offered in partnership with TeamBank, providing immediate financial flexibility with online calculation and application capabilities.
• Debit- und Kreditkarten (Mastercard/Visa) Debit and credit card products issued under Mastercard and Visa brands, including virtual cards for Apple Pay, enabling card payments globally.
• Auslandsreise-Krankenversicherung Foreign travel health insurance protecting customers against high medical treatment costs abroad, offered in partnership with R+V Versicherung.
• Private Haftpflicht-Versicherung Personal liability insurance that protects against costs if an accident or mishap occurs, offered as part of the insurance portfolio.
• Kfz-Versicherung Motor vehicle insurance providing reliable protection against accidents or theft, offered as part of the insurance product range.
• Immobilienvermittlung (Real Estate Brokerage) Real estate brokerage services helping customers buy, sell, or rent properties, supported by an online property search tool (ImmobilienSuche) powered by VR-NetWorld GmbH/Flowfact.
• Wertpapierdienstleistungen (Securities Services) Securities trading and investment services including depot management, securities orders (Handel & Depot), and automated savings plans, with Union Investment fund products.
• EU-Echtzeitüberweisung (EU Real-Time Payment Transfer) EU real-time payment transfer service mandated by EU regulation, enabling instant cross-border euro payments, effective from 08.10.2025.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

AI capability2 records

Feature2 records

Partnerships

Six partnerships are on record, tiered core.

• Union InvestmentcoreChannel Partner/ Reseller/ DistributorPartnership for investment fund products and fund savings plans (Fondssparplan). Volksbank Lahr offers selected Union Investment funds as part of its investment product portfolio, including the Kombiprodukt Renditekick promotional product combining VR-Sparbrief with Union Investment funds.
• R+V VersicherungcoreChannel Partner/ Reseller/ DistributorInsurance partnership offering R+V Versicherung products including liability insurance, motor vehicle insurance, and travel health insurance through the bank. The partnership provides customers with access to comprehensive insurance coverage integrated with banking services.
• TeamBankcoreChannel Partner/ Reseller/ DistributorPartnership for the easyCredit instant credit product, offering customers flexible consumer loans with financial breathing space. The TeamBank easyCredit is offered as a direct lending solution accessible through the bank's digital and advisory channels.
• DZ PRIVATBANKcoreChannel Partner/ Reseller/ DistributorPartnership for private banking and wealth management services. DZ PRIVATBANK provides specialized services for the Private Banking segment of Volksbank Lahr customers.
• Bausparkasse Schwäbisch Hall AGcoreChannel Partner/ Reseller/ DistributorBuilding society partnership for home savings contracts (Bausparvertrag) and real estate financing solutions. Helps customers realize dreams of homeownership through solid financing planning.
• Gini GmbHcoreTechnology or IntegrationAI-powered invoice scanning and payment data extraction service for photo transfer (Fotoüberweisung) in the VR Banking App and invoice upload feature in OnlineBanking. Gini GmbH processes invoice documents to extract payment information including recipient, IBAN, amount, and payment reference.

Scale indicators2 records

Recent moves1 record

Expansion highlights4 records

Emerging players

• N26 Bank GmbH: Berlin-based digital challenger bank with a German retail banking license. Targets the same retail customer base as Volksbank Lahr with a mobile-first account experience, posing a long-term threat to primary banking relationships.

Broad incumbents

• ING-DiBa Germany: Large direct bank in Germany offering giro accounts, savings and lending nationwide. Competes for primary banking relationships with Volksbank Lahr customers, particularly younger and more digital-native segments.

Regional players

• Volksbank Bühl: Cooperative Volksbank in northern Baden-Württemberg. Comparable cooperative structure and product range, though focused on a different local area than Volksbank Lahr.
• Sparkasse Baden-Baden Gaggenau: Savings bank in the adjacent Baden-Württemberg region offering retail, business and private banking services. Comparable regional savings institution but operating in a different local market.
• Volksbank Breisgau Nord eG: Cooperative bank operating in the northern Breisgau region of Baden-Württemberg. Same cooperative banking model, regulatory regime, and partner ecosystem (Union Investment, R+V), but with a distinct regional focus that limits direct overlap.
• Volksbank Rhein-Wehra: Smaller cooperative bank (Volksbank) in the southern Baden region. Comparable in scale, product mix, and reliance on cooperative banking partnerships, but serving a different sub-region.

Direct peers

• Sparkasse Lahr: Local public-sector savings bank serving the same Lahr/Schwarzwald catchment area. Competes head-to-head for retail and SME deposits, payments, and lending in the same geographic footprint as Volksbank Lahr.
• Volksbank Mittlerer Schwarzwald eG: Cooperative bank headquartered in the central Schwarzwald region with overlapping geographic and customer overlap with Volksbank Lahr. Similar product portfolio and partnership-based distribution model.
• Volksbank Freiburg: Neighboring cooperative bank (Volksbank) in Baden-Württemberg serving retail, business and private banking customers in the Freiburg region. Closely comparable cooperative structure, product suite, and reliance on the same DZ-Bank/Union Investment/R+V ecosystem.
• Volksbank Offenburg: Regional cooperative bank (Volksbank) headquartered in Offenburg, also in the Ortenau/Schwarzwald area of Baden-Württemberg. Operates with the same cooperative governance, BaFin regulation and BVR protection, and offers an overlapping retail and SME product set.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• TikToktiktok.com/@volksbanklahr
• Xx.com/VolksbankLahr
• Facebookfacebook.com/VBLahr
• LinkedInlinkedin.com/company/volksbank-lahr-eg

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 Volksbank Lahr