What Freisinger Bank does

Freisinger Bank eG Volksbank-Raiffeisenbank is a German cooperative bank (eingetragene Genossenschaft) founded in 1894 and headquartered at Münchner Str. 2, 85354 Freising, serving private customers (Privatkunden) and business customers (Firmenkunden) across the Freising region of Bavaria. It operates as part of the Volksbank-Raiffeisenbank cooperative network under the member-ownership motto 'Meine Bank gehört mir' and distributes through multiple physical branches, four dedicated insurance service offices, mobile advisor visits, a 24/7 online banking portal, and the VR Banking App. The product portfolio spans giro accounts (Mein Freisinger Bank Konto), youth accounts (PrimaGiro), the GoldCard credit card, Festgeld fixed-term deposits, Online-Brokerage (via DZ Bank), easyCredit instant loans (via TeamBank), SME lending up to EUR 100,000 (Unternehmerkredit), international payments, and corporate succession advisory.

Revenue is generated across five streams: net interest income from lending products, account and transaction fees (including card and international payments), insurance commissions from partnerships with R+V Versicherung, Allianz, and VKB Bayern, investment product commissions via Union Investment (Riester-Rente, Altersvorsorgedepot), and transaction fees from Freisinger Bank Immobilien, the in-house real estate brokerage. Strategic product partners include R+V, Allianz, Bausparkasse Schwäbisch Hall, Reisebank, TeamBank, Union Investment, VKB, and Mastercard (for a 2026 cross-border promotion). Underlying technology is a standard cooperative-banking digital platform (Online-Banking portal and VR Banking App) supplemented by an Empfängerüberprüfung IBAN-name matching security feature; no AI/ML capabilities are disclosed. The bank is WCAG / BFSG accessibility-compliant on its public website and publishes an annual Geschäftsbericht (2025 edition available).

Name

Freisinger Bank

Legal name

Freisinger Bank eG Volksbank-Raiffeisenbank

Website

https://fs-bank.de

Company type

Private

Founded year

1894

Operating status

Operating

Headcount range

1–10 employees

Short description

Freisinger Bank eG Volksbank-Raiffeisenbank is a German cooperative bank founded in 1894 in Freising, Bavaria, offering retail and SME banking, insurance, investment, and real estate brokerage across the Freising region via branches, mobile advisors, online banking, and the VR Banking App.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Depository Credit Intermediation (5221), Credit Unions (522130)

SIC

National Commercial Banks (6021)

akta.pro primary industry

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)

akta.pro secondary industry

SME Banking Suite (Business Accounts, Invoicing, Payroll Integrations) (FSAGAAAI)

Keywords

• Retail banking services
• Consumer lending
• Business banking
• Insurance brokerage
• Real estate services

Headquarters

HQ city

Neufahrn Bei Freising

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

Revenue model

1. Interest Income: Traditional banking interest income from lending products including mortgages, personal loans, and business loans (Unternehmerkredit up to 100,000 euros)
2. Account and Transaction Fees: Fees from giro accounts (Mein Freisinger Bank Konto), credit cards (GoldCard), and transaction processing including international payments
3. Insurance Products Commission: Revenue from insurance products through partnerships with R+V Versicherung, offering travel health insurance and other coverage products
4. Investment Products: Revenue from investment products through Union Investment partnership, including Riester-Rente and retirement planning products
5. Real Estate Services: Revenue from Freisinger Bank Immobilien real estate brokerage services for buying, selling, renting properties

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Freisinger Bank eG Volksbank-Raiffeisenbank is a regional German cooperative bank offering a full suite of retail and commercial banking products, including checking accounts (Mein Freisinger Bank Konto, PrimaGiro, Geschäftskonto), lending (easyCredit, Unternehmenskredit up to 100,000 euros), deposits (Festgeld), payments (Auslandszahlungsverkehr), credit cards (GoldCard), securities trading (Online-Brokerage), and corporate services (Direktversicherung, Unternehmensnachfolge). The bank also distributes insurance through R+V Versicherung and Allianz partnerships, offers real estate brokerage through Freisinger Bank Immobilien, and delivers these via the VR Banking App and physical branches.

Product overview

Freisinger Bank eG Volksbank-Raiffeisenbank is a German cooperative bank offering a comprehensive suite of banking products for private and business customers. The core portfolio includes Mein Freisinger Bank Konto (giro/current account), GoldCard (premium credit card), VR Banking App (mobile banking), Festgeld (fixed-term deposits), easyCredit (instant loans), Online-Brokerage (securities trading), and PrimaGiro (youth account). For business customers, the bank provides Freisinger Bank Geschäftskonto, Unternehmerkredit (up to 100,000 euros), Auslandszahlungsverkehr (international payments), Direktversicherung (corporate pension), and Unternehmensnachfolge (succession planning). Additional services include R+V travel insurance, Freisinger Bank Immobilien (real estate brokerage), Freisinger Bank Versicherungsdienst (insurance services), and the FS Bank Unternehmertag (annual business event). The bank emphasizes both digital banking capabilities and personal advisory services.

Differentiator

Problem solved

Functional benefit

Brands

• Mein Freisinger Bank Konto: Girokonto (checking account) product offering
• VR Banking App
• GoldCard
• PrimaGiro
• Freisinger Bank Versicherungsdienst
• Freisinger Bank Immobilien
• easyCredit

Products and services

• Mein Freisinger Bank Konto (Girokonto) Primary checking account product offering all essential banking services for private customers.
• GoldCard Premium credit card offering enhanced benefits and additional services for private customers.
• VR Banking App Mobile banking application enabling private and business customers to manage their finances from smartphones and tablets.
• Festgeld Fixed-term deposit product offering money storage with predetermined interest rates and no interest fluctuations.
• easyCredit Instant credit product with flexible financial scope, allowing customers to calculate and conclude directly online; provided through partnership with TeamBank.
• Online-Brokerage Digital trading platform enabling customers to buy and sell securities quickly and easily on the stock exchange.
• PrimaGiro Entry-level account designed for young customers transitioning to financial independence; offered free of charge.
• Freisinger Bank Geschäftskonto Business checking account enabling business customers to manage payment transactions simply.
• Unternehmerkredit Business credit facility providing up to 100,000 euros for new plans or deferred business projects.
• Auslandszahlungsverkehr International payment services enabling secure and fast processing of payment orders across national borders.
• Direktversicherung Corporate insurance product enabling employers to offer employees occupational retirement benefits.
• Unternehmensnachfolge Advisory service providing competent guidance for business succession questions regarding financial and asset-related matters.
• R+V Auslandsreise-Krankenversicherung International travel health insurance protecting against high treatment costs worldwide with unlimited trips per year; offered via R+V Versicherung partnership.
• Freisinger Bank Immobilien Real estate brokerage service assisting customers with buying, selling, renting, or leasing properties.
• Freisinger Bank Versicherungsdienst Insurance service with four fixed offices throughout the business area ensuring optimal customer accessibility; mobile advisors visit customers at home, office, or agreed locations.
• Riester-Rente und Altersvorsorgedepot State-subsidized retirement savings product and Altersvorsorgedepot (retirement planning depot) offered via Union Investment partnership.

Named customers2 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• R+V VersicherungcoreStrategic or Co-development PartnerPartnership for insurance products including travel health insurance (Auslandsreise-Krankenversicherung) offering worldwide coverage for unlimited trips per year. The bank's insurance service team operates through four fixed offices plus mobile advisors.
• AllianzminorStrategic or Co-development PartnerPartner for insurance products. Customers can access Allianz services and initiate contract cancellations through the bank's widerruf (cancellation) portal.
• Bausparkasse Schwäbisch HallminorStrategic or Co-development PartnerBuilding society partner for savings and home financing products. Contract cancellation services available through the bank's widerruf portal.
• ReisebankminorStrategic or Co-development PartnerTravel banking services partner. Contract cancellation services available through the bank's widerruf portal.
• TeamBankcoreStrategic or Co-development PartnerProvider of easyCredit instant loan product offered through the bank. Customers can initiate loan applications and process cancellations through the bank's services.
• Union InvestmentcoreStrategic or Co-development PartnerInvestment products partner offering Riester-Rente and Altersvorsorgedepot (retirement planning depot) products. Changes coming in 2027 for private retirement planning.
• VKB – Versicherungskammer BayernminorStrategic or Co-development PartnerInsurance partner for Bayern (Bavaria) region insurance products. Contract cancellation services available through the bank's widerruf portal.
• MastercardminorGTM or Marketing PartnerJoint marketing campaign for 2026 travel promotion. Customers use Mastercard abroad between July 6-August 30, 2026, register at priceless.com/reisegewinnen for a chance to win 1,500 euro TUI vouchers.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Sparkasse: German public-sector savings banks that operate regional branch networks with comparable deposit, lending, and insurance offerings. The closest direct competitor for local retail and SME customers in the Freising region.
• Sparda-Banken: Group of German cooperative banks targeted at specific professional groups (e.g., public sector employees); competes directly with Freisinger Bank for retail and SME deposits in the broader German cooperative banking market.
• Volksbanken Raiffeisenbanken (other regional): Other regional Volksbank-Raiffeisenbank cooperative banks (e.g., VR-Bank, Münchner Bank) offering identical products through the same partnership network. Direct peers within the same cooperative banking system.

Broad incumbents

• DKB (Deutsche Kreditbank): Major German direct bank owned by BayernLB; competes with Freisinger Bank for retail deposits, online banking, and SME banking customers through digital channels.
• TARGOBANK: German retail and SME bank with branch network; competes with Freisinger Bank for consumer credit, business accounts, and brokerage customers in the broader German market.
• DZ Bank: Central institution of the Volksbank-Raiffeisenbank cooperative network; acts as the wholesale bank and product manufacturer for member cooperative banks like Freisinger Bank, providing capital markets and treasury services.
• ING Deutschland: Large German direct bank with retail focus; competes for the same primary banking relationship as Freisinger Bank but via digital channels, eroding the local bank's deposit base.

Emerging players

• N26: Berlin-based German fintech neobank; competes for younger retail customers who might otherwise have opened their first account at a local cooperative bank like Freisinger Bank.

Regional players

• Kreissparkasse München: Regional savings bank serving the greater Munich/Freising area; directly competes for retail and SME banking customers in the same geography as Freisinger Bank.

Others

• Union Investment: Asset management arm of the Volksbank-Raiffeisenbank cooperative network; partner (not competitor) that supplies investment products including Riester-Rente and Altersvorsorgedepot to Freisinger Bank.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/freisingerbank
• LinkedInlinkedin.com/company/freisinger-bank-eg-volksbank-raiffeisenbank

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Freisinger Bank