Raiffeisenbank eG Deggendorf-Plattling-Sonnenwald

What Raiffeisenbank eG Deggendorf-Plattling-Sonnenwald does

Raiffeisenbank eG Deggendorf-Plattling-Sonnenwald is a member-owned cooperative bank (eingetragene Genossenschaft) founded in 1908, headquartered in Deggendorf, Bavaria, and serving retail and small-to-medium business customers in the Deggendorf, Plattling, and Sonnenwald sub-region. The bank operates under the motto "Meine Bank gehört mir" and is part of the broader German Raiffeisen cooperative banking network. Its branch-based advisory model is supplemented by digital channels including the VR Banking App, online banking portal, and phone-based customer service.

The product portfolio covers standard retail and commercial banking: giro and business accounts, Festgeld term deposits, consumer credit (via TeamBank easyCredit), business loans up to EUR 100,000, international payment services, and business credit cards (via DZ Bank). Distribution commissions from Union Investment funds, Allianz, R+V Versicherung, and VKB insurance products provide non-interest revenue. Newer offerings include VR PayMe mobile merchant payments, a Goldsparplan gold savings plan, youth accounts with ubiMaster tutoring, and a Crowdfunding platform via "Viele Schaffen Mehr." Real estate brokerage is offered as an additional use case.

Revenue is generated from four streams: net interest income on loans and mortgages, account and transaction fees, investment product distribution commissions, and insurance product commissions. The bank completed a new central administrative headquarters in Deggendorf in 2026. Technology infrastructure is standard cooperative banking stack (VR Banking App, BVR/Atruvia core systems) with no disclosed proprietary AI or platform development; product innovation is delivered largely through partnerships within the cooperative banking network.

Name

Raiffeisenbank eG Deggendorf-Plattling-Sonnenwald

Legal name

Raiffeisenbank eG Deggendorf - Plattling - Sonnenwald

Website

https://rb-deggendorf.de

Company type

Private

Founded year

1908

Operating status

Operating

Headcount range

101–250 employees

Short description

Raiffeisenbank eG Deggendorf-Plattling-Sonnenwald is a member-owned German cooperative bank founded in 1908, serving retail and small-business customers in the Deggendorf, Plattling, and Sonnenwald region of Bavaria with standard banking, lending, payment, and insurance-distribution services via branches and the VR Banking App.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Depository Credit Intermediation (5221), Savings Institutions and Other Depository Credit Intermediation (52218)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Cooperative Banks (Member-Owned Commercial/Retail) (FSABAEAF)

akta.pro secondary industry

Federations/Centrals & Cooperative Banking Networks (2nd-Tier Co-ops) (FSABAEAL)

Keywords

• Retail banking services
• Commercial banking products
• Cooperative banking
• Consumer lending
• Payment services

Headquarters

HQ city

Deggendorf

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Core banking revenue from interest earned on loans and mortgages provided to retail and business customers
2. Account and Transaction Fees: Fees from girokonto (current account) maintenance, transactions, and payment services
3. Investment Products: Distribution commissions from investment products including Union Investment funds
4. Insurance Products: Commission revenue from insurance products offered through partners including Allianz, R+V Versicherung, and VKB

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

A member-owned cooperative bank providing retail and commercial banking services to private customers and local businesses in the Deggendorf, Plattling, and Sonnenwald regions of Lower Bavaria. Core offerings include current accounts for private and business customers, consumer and commercial lending, savings and investment products, payment and card services, and personal advisory delivered through branches and digital channels.

Product overview

Raiffeisenbank eG Deggendorf-Plattling-Sonnenwald is a cooperative bank offering a comprehensive portfolio of banking products and services for both retail (Privatkunden) and commercial (Firmenkunden) customers. The core banking products include Girokonto (current accounts) and Geschäftskonto (business accounts), accessible via the VR Banking App mobile application. The bank provides lending products including easyCredit (instant credit via TeamBank partnership), Unternehmerkredit (business loans up to 100,000 euros), and Auslandszahlungsverkehr (international payment services). Savings and investment products include Festgeld (fixed-term deposits), Goldsparplan (gold savings plan), and the Crowdfunding platform via Viele Schaffen Mehr. Payment services include VR PayMe for mobile merchant payments and Firmenkreditkarten (business credit cards viaDZ Bank). Additional services include Online-Terminvereinbarung (online appointment booking), real estate services (Immobilien), and a hardware store (Baumarkt). The bank also partners with various financial service providers including Allianz, R+V Versicherung, Union Investment, and TeamBank for insurance, investment, and lending products.

Differentiator

Problem solved

Functional benefit

Products and services

• Privatkunden current account (Girokonto) Everyday current account offering for private individuals in the bank's service region, used for incoming payments, transfers, card use, and cash access via branches, online banking, and the VR Banking App.
• VR Banking App Mobile banking application used by customers to manage accounts, initiate transfers, and handle card settings on smartphones; offered as part of the bank's online/mobile banking proposition.
• Consumer lending and mortgages Loan products for private customers, including consumer credit and home financing, originated in-house and through partner arrangements within the cooperative banking network.
• Savings and investment products Deposit and investment offerings for private customers, distributed via the bank's own advisory and the cooperative network's product universe.
• Geschäftskonto business current account Business current account for SMEs, trades, and self-employed professionals in the bank's region, used for incoming/outgoing payments, cash management, and card transactions.
• Commercial lending for SMEs Credit facilities for local businesses, including investment loans and working-capital financing, originated through the bank's branch network.
• Business payment and card services Payment-transaction and card products for business customers, supporting cashless payments, account-based transactions, and online banking access.
• Business advisory and account management Personal advisory and account management service for business customers delivered through the bank's local branches and relationship managers.

Segments3 records

Ideal customer profiles2 records

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Six partnerships are on record, tiered minor.

• AllianzminorChannel Partner/ Reseller/ DistributorInsurance partner for property and casualty insurance products. Contracts with Allianz must be terminated directly with Allianz, not through the bank.
• GENO EnergieminorChannel Partner/ Reseller/ DistributorEnergy partner for providing energy-related financial products and services.
• R+V VersicherungminorChannel Partner/ Reseller/ DistributorInsurance partner for R+V Versicherung products including coverage and protection policies.
• TeamBank (easyCredit)minorChannel Partner/ Reseller/ DistributorConsumer lending partner offering easyCredit instant credit products. The bank distributes TeamBank's installment loan products.
• Union InvestmentminorChannel Partner/ Reseller/ DistributorInvestment fund partner for providing fund-based investment products and asset management services.
• VKB – Versicherungskammer BayernminorChannel Partner/ Reseller/ DistributorRegional insurance partner for insurance products in Bavaria. Contracts must be terminated directly with VKB.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Emerging players

• ING Deutschland: One of Germany's largest digital-first retail banks, offering current accounts, cards, savings, and consumer credit primarily via mobile and online channels. Comparable as an emerging player competing for the same retail deposit and SMB customers through a differentiated digital proposition.

Broad incumbents

• DZ Bank: Central institution of the German cooperative banking sector and top-of-house for the Raiffeisen/Genossenschaftliche FinanzGruppe. Comparable as the apex of the same network to which the subject bank belongs, providing wholesale funding, product platforms, and shared services.
• HypoVereinsbank (UniCredit Bank): The largest Bavarian-headquartered commercial bank, offering retail, SMB, wealth, and corporate banking. Comparable as a broad incumbent competing for the same retail and SMB customers in Bavaria with a much larger product portfolio and branch network.
• BayernLB: The Bavarian state-owned commercial bank offering retail, SMB, and corporate banking across Bavaria. Comparable as a broad incumbent operating in the same geography with overlapping retail and SMB capabilities, though with a much larger corporate book.
• Commerzbank: One of Germany's largest private commercial banks serving retail, SMB, and corporate customers nationwide. Comparable as a broad incumbent overlapping with the subject bank in retail and SMB segments, though with far greater scale and digital capabilities.

Direct peers

• Volksbanken Raiffeisenbanken Bayern: The Bavarian cooperative banking association grouping all Volksbanken and Raiffeisenbanken in Bavaria. Directly comparable as a peer cooperative bank network serving the same regional retail and SMB customers with the same member-ownership model.
• DKB (Deutsche Kreditbank): A digital-first German cooperative-owned bank (subsidiary of BayernLB) serving retail and SMB customers across Germany. Comparable as a peer within the cooperative banking ecosystem with a similar product mix (current accounts, cards, payments, deposits) executed via digital channels.
• PSD Bank München: A small Bavarian cooperative bank offering retail banking, savings, and lending products. Comparable as a peer cooperative institution of similar scale and customer focus, though smaller in geographic footprint.
• Sparda-Bank München: A cooperative bank headquartered in Bavaria serving retail and SMB customers with current accounts, loans, and insurance distribution. Comparable as a cooperative-bank peer with similar GTM, product mix, and member-aligned structure.
• Sparkasse Deggendorf: The local German savings bank serving Deggendorf and surrounding areas. A direct local competitor offering a similar mix of retail current accounts, savings, lending, and SMB banking services to overlapping customers in the same geographic market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/raiffeisenbank-eg-deggendorf-plattling-sonnenwald-zweigstelle-schaufling

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 →

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