LIGA Bank

What LIGA Bank does

LIGA Bank eG is a German cooperative bank (eingetragene Genossenschaft) and member of the Genossenschaftliche Finanzgruppe cooperative banking network, headquartered in Regensburg and serving customers nationwide. The bank operates a hybrid digital-and-branch model, offering current accounts (LIGA Girokonto), Mastercard debit and credit cards, lending products including easyCredit (up to €75,000 via TeamBank) and Bausparkasse Schwäbisch Hall building savings contracts, and investment products including the in-house managed LIGA Fonds (a proprietary family of sustainable, Christian-ethically screened funds), online brokerage, and the LIGA-Anleihe bond product. Digital access is provided through the LIGA Online Banking portal, the VR Banking App, the Die-immer-dabei-Bezahl-App mobile payment app, and the Wero European instant payment system, supported by physical branches and online appointment booking.

The bank targets two primary customer segments: private customers (Privatkunden) seeking comprehensive retail banking, and institutional customers (Institutionenkunden) consisting primarily of church and religious organizations. For the institutional segment, LIGA Bank offers specialized and project financing (including solar park projects), international payment services (Auslandszahlungsverkehr), and personalized wealth management advisory — making ethical and values-aligned banking its principal differentiation. Revenue is generated through net interest income on deposits and lending, transaction fees on brokerage and card products, commissions on partner-distributed insurance and Bauspar products, and management fees on the proprietary LIGA Fonds. Distribution is hybrid: a self-service digital channel for private customers and a field-advisory model for institutional clients, complemented by partnership distribution with Union Investment, TeamBank, VKB, Bausparkasse Schwäbisch Hall, and the broader DZ Bank cooperative infrastructure.

Name

LIGA Bank

Legal name

LIGA Bank eG

Website

https://ligabank.de

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

LIGA Bank eG is a German cooperative bank serving private customers and church/religious institutions nationwide with retail banking, ethical investment funds, specialized project financing, and a hybrid digital-and-branch channel anchored in the Genossenschaftliche Finanzgruppe network.

Ownership category

akta.pro rank

Product category

Cooperative Retail and Institutional Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Digital Banking & Neobank Platforms (BPAMAFAD)

Keywords

• Cooperative banking
• Retail banking services
• Ethical investment funds
• Mortgage lending
• Church institution financing

Headquarters

HQ city

Eichstätt

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Banking Services: Core banking revenue from giro accounts, deposits, and lending products including mortgages, personal loans (easyCredit up to 75,000 EUR), and specialized financing for institutional customers.
2. Investment Products: Revenue from proprietary LIGA Fonds (sustainable investment funds) and brokerage services, including online brokerage for securities trading.
3. Insurance and Bauspar Products: Commission revenue from partnership products including building savings contracts (Bausparkasse Schwäbisch Hall) and insurance products through VKB.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

LIGA Bank eG is a German cooperative bank that provides retail banking products (current accounts, debit/credit Mastercard cards, instant credit up to EUR 75,000 via easyCredit, mortgages and Bausparvertrag savings, online securities brokerage, and proprietary sustainable investment funds — LIGA Fonds) and specialized institutional banking for church and religious organizations (project and special financing, international payments, advisory). Services are delivered through the LIGA Online Banking portal, the VR Banking App and Die-immer-dabei-Bezahl-App mobile applications, Wero instant payments, and a physical branch network within the Volksbanken/Raiffeisenbanken cooperative banking group.

Product overview

LIGA Bank eG is a German cooperative bank affiliated with the Volksbanken/Raiffeisenbanken financial group, serving both retail customers (Privatkunden) and institutional customers (Institutionenkunden). The product portfolio consists of core digital banking services through LIGA Online Banking and VR Banking App, complemented by a comprehensive range of banking products including current accounts (LIGA Girokonto), debit and credit cards (Mastercard), and various lending products such as easyCredit (in partnership with TeamBank) and building society products (Bausparkasse Schwäbisch Hall). Investment offerings include LIGA Fonds (sustainable in-house managed funds), Online-Brokerage for securities trading, and JuniorDepot within UnionDepot for children's investments. Payment services include the mobile payment app (Die-immer-dabei-Bezahl-App) and Wero (European instant payment service). For institutional customers, the bank specializes in church and religious institution financing through Spezial- und Projektfinanzierung, along with international payment services (Auslandszahlungsverkehr) and personal wealth management advisory.

Differentiator

Problem solved

Functional benefit

Brands

• LIGA Online Banking: Digital banking platform for managing bank transactions and services online
• LIGA Girokonto
• LIGA Fonds
• VR Banking App
• Die-immer-dabei-Bezahl-App

Products and services

• LIGA Fonds Proprietary sustainable investment funds managed in-house by LIGA Bank experts, investing exclusively in sustainable, social, and Christian-ethical companies and states; offered to retail customers seeking values-aligned investment products.
• LIGA Girokonto Current account offering for everyday banking transactions, available in multiple account models for private customers; available in a dedicated institutional version for church and institutional customers.
• LIGA-Anleihe (WKN A460KJ) Fixed-term bond product offering 2.70% p.a. guaranteed interest over a 2.5-year term, available for subscription through LIGA Online Banking.
• easyCredit Instant personal loan (Sofortkredit) provided through a partnership with TeamBank, offering credit lines up to EUR 75,000 for private customers.
• Online-Brokerage Online brokerage platform enabling retail customers to trade securities quickly and easily through LIGA Online Banking.
• Debit- und Kreditkarten (Mastercard) Debit and credit card products under the Mastercard brand issued through the cooperative banking group, used for payments and cash withdrawals by retail customers.
• Bausparvertrag (Bausparkasse Schwäbisch Hall) Building society savings contract (Bausparvertrag) for financing home purchases, offered in partnership with Bausparkasse Schwäbisch Hall; enables customers to save toward homeownership and obtain follow-on mortgage financing.
• JuniorDepot im UnionDepot Junior securities depot hosted within the UnionDepot (Union Investment) wrapper that allows parents to save and invest for their children, including promotional premium actions.
• LIGA Online Banking Web-based digital banking portal enabling existing customers to manage accounts, conduct transactions, trade securities, and administer contracts online.
• VR Banking App Mobile application shared across the German cooperative banking group that combines banking and payment functionality in one app for iOS and Android.
• Die-immer-dabei-Bezahl-App Mobile payment application that turns a smartphone into a wallet, supporting in-store payments, money transfers, and additional digital payment features.
• Wero European instant-payment service enabling users to send money or pay online using just a mobile phone number, available for retail and institutional customers across Europe.
• Spezial- und Projektfinanzierung Specialized and project financing tailored to the needs of church and religious institutions, including infrastructure projects such as solar parks.
• Auslandszahlungsverkehr International payment service that processes cross-border payment orders securely and quickly for institutional customers (church and religious organizations).
• Individuelle Beratung (Vermögensanlage) Personal advisory service for institutional customers regarding wealth management and asset investment, combined with digital banking capabilities.

Named customers1 record

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

Six partnerships are on record, tiered core.

• Union InvestmentcoreChannel Partner/ Reseller/ DistributorPartnership for investment fund products offered through LIGA Bank. Customers can access Union Investment products and manage wideruf (cancellation) requests through the LIGA Bank platform.
• TeamBank (easyCredit)coreChannel Partner/ Reseller/ DistributorPartnership for instant credit (Sofortkredit) products. TeamBank's easyCredit product (up to 75,000 EUR) is offered through LIGA Bank with wideruf management available on the platform.
• VKB – Versicherungskammer BayerncoreChannel Partner/ Reseller/ DistributorPartnership for insurance products. VKB insurance products are offered through LIGA Bank with wideruf capabilities managed through the partner's platform.
• Bausparkasse Schwäbisch HallcoreChannel Partner/ Reseller/ DistributorPartnership for building savings contracts (Bausparverträge) enabling customers to save for homeownership and obtain mortgage financing. LIGA Bank actively promotes Bausparkasse Schwäbisch Hall products for first-time homebuyers and family savings.
• VR Banking App / Fintech PartnerscoreTechnology or IntegrationIntegration with VR Banking App and associated fintech infrastructure enabling mobile banking, payments, and Wero instant payment services across the German cooperative banking network.
• DZ Bank (Genossenschaftliche Finanzgruppe)coreStrategic or Co-development PartnerPartnership within the German cooperative banking network (Genossenschaftliche Finanzgruppe). Access to shared services, payment infrastructure (girocard, SEPA), and co-branded products including Mastercard credit cards and Union Investment products.

Scale indicators1 record

Recent moves6 records

Expansion highlights4 records

Direct peers

• Bank für Sozialwirtschaft (BFS): German specialized bank focused on social-sector institutions (healthcare, welfare, associations); comparable to LIGA in its institutional-only focus and project-financing expertise, though secular rather than faith-based.
• Evangelische Bank: Cooperative-style church bank (eG) serving Protestant institutions, social enterprises, and church employees across Germany; directly comparable to LIGA in mission, target audience, and reliance on ethical-screening for investment products.
• KD-Bank (Bank für Kirche und Diakonie): German church-affiliated bank serving Protestant/evangelical institutions and employees of church-affiliated organizations; most direct peer to LIGA given overlapping Christian-values positioning, institutional customer base, and similar product set (accounts, ethics-screened investments, project finance for church entities).
• GLS Bank: Germany's leading ethical/sustainable cooperative bank, offering in-house sustainable investment funds and a values-based retail franchise; closely comparable to LIGA in mission (sustainability screening), cooperative structure, and customer base of values-aligned individuals.
• Pax-Bank: Catholic-affiliated German cooperative bank offering ethical-screened investments and tailored services for church institutions, parishes, and Catholic organizations; essentially LIGA's Catholic counterpart in the church-banking niche.

Emerging players

• EthikBank: German subsidiary of Volksbank Eisenberg offering exclusively ethically screened investments; comparable to LIGA in niche ethical-investment product positioning but lacks the institutional church specialization.
• UmweltBank: German sustainable-focused bank specializing in environmental project financing (renewable energy, housing); overlaps with LIGA on sustainable-investment positioning and, partially, on renewable-energy project finance for institutions.

Broad incumbents

• Sparkassen-Finanzgruppe: Germany's large public-sector savings banks group; competes with LIGA for retail deposits and mortgage customers and offers similar digital banking experiences, but at materially larger scale and without the church/ethical niche.
• Volksbanken Raiffeisenbanken (cooperative sector, e.g. VR Bank): Broader German cooperative-banking sector that LIGA operates within; shares the VR Banking App, DZ Bank infrastructure, and partner-product stack, providing the shared platform LIGA builds on.

Others

• DZ Bank (Genossenschaftliche Finanzgruppe): Central institution and strategic partner for the German cooperative banking sector; LIGA relies on DZ Bank for card issuing (Mastercard), Union Investment fund distribution, and SEPA infrastructure.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/liga-bank-eg

Compliance1 record

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 LIGA Bank